MEDICAL INSURANCE

Ask Gary

For more information about OBL employee benefits programs, contact Gary Sutter.

The OBBT provides a variety of medical insurance plans that range from the standard PPO to the latest industry options such as High Deductible Health Plans or Health Savings Accounts. PPO options offer in and out of network benefits, with deductible and coinsurance levels designed to encourage members to use network physicians and facilities. The OBBT currently offers five different PPO options from which to choose.

Choice

In response to the demand for consumer-driven health plans, in which members are more involved in the financial aspect of their health care, the OBBT offers both the HDHP and HSA options to its member banks. Both of these options include a PPO network to help the members maximize their health care dollars by accessing preferred pricing. In addition, the OBBT provides additional support through the transparency tools found on the Aetna Navigator web site. All of the medical plans include prescription drug benefits. The Rx plan is based on an open three-tier formulary, a preferred drug list. Each Rx is subject to the copay that corresponds to the drug’s tier level under the formulary (with the exception of the HSA plan, as the Rxs are subject to deductible). For additional savings and the convenience of receiving medications at home, maintenance drugs can be filled through a mail order pharmacy.

All of the medical plans include prescription drug benefits.  The Rx plan is based on an open three-tier formulary, a preferred drug list.  Each Rx is subject to the copay that corresponds to the drug’s tier level under the formulary (with the exception of the HSA plan, as the Rx’s are subject to deductible).  For additional savings and the convenience of receiving medications at home, maintenance drugs can be filled through the mail order pharmacy. 

Manage Costs

One of the goals set by the OBBT for its medical plans is to provide member banks with the tools to enable them to effectively manage the rising costs of health care. As part of the wellness program, we encourage each bank to schedule an on-site biometric screening so that it is convenient for the employees to take an active role in their own health. Quest Diagnostics conducts the testing and reports the results to the participant via a secure, online web site within two to three days after the screening. The results are also provided to Aetna so that the participant’s Personal Health Record may be populated. In addition, online Health Risk Assessments are available for the members to complete in order to obtain valuable insight into the risk factors that they themselves have the ability to modify and control in order to improve their overall health. The OBBT is committed to making an impact on the health of the employees of its member banks. Therefore, every employee and spouse enrolled in one of the OBBT’s medical plans may receive a biometric screening at no cost.

Active enrollees in any of the OBBT medical plans can view claims status and paid claim details as well as EOBs (Explanation of Benefits) online through Aetna Navigator, a secure, web-based personalized member portal. Members may also estimate cost of care, access various discount programs, participate in online wellness and disease management programs, maintain a personal health record, and much more.