Mississippi Valley State University

Health Insurance

STATE AND PUBLIC SCHOOL HEALTH INSURANCE

Premium Rates

Health Risk Assessment

The state and public school's health insurance plan is provided through Blue Cross Blue Shield of Mississippi. The plan provides two types of coverage from which active employees, COBRA participants, non-Medicare eligible retirees, and non-Medicare eligible surviving spouses can choose: Base Coverage and Select Coverage.

Participates may choose any covered participating or non-participating provider, primary care or specialist; however, using providers that participate in the Network provides participants the maximum benefits available through the Plan. Participates choosing to use providers that do not participate in the Network are responsible for paying any fees charged over the allowable charge, in addition to paying a higher annual deductible (for those participants under Select Coverage) and higher coinsurance amounts for covered services. To find a participating provider, participants can access the Network directory through the Plan's website at www.knowyourbenefits.dfa.state.ms.us or may call the Network at the telephone number listed in the Plan Document. Provider participation in the Network may change from time to time. It is important for participants to verify provider participation prior to receiving services.

Motivating Mississippi - Keys to Living Healthy

Motivating Mississippi is the Plan's wellness and health promotion program. Through this program participants complete a Health Quotient (HQ) health risk assessment and receive a personalized wellness plan, access to lifestyle management programs, and access to personalized wellness plan, access to personal wellness coaches. Theses services are provided at no additional charge to the participant. After completing the HQ, adult participants age 18 and older are eligible for wellness benefits. Wellness services for adults participants, ages 18 and older, are limited to a maximum benefit of $1,000 annually. These services are not subject to the calendar year deductible. A participant must complete an HQ on or after January 1 of each year, prior to the wellness visit, to be eligible for these benefits. The HQ can be found at www.webmdhealth.com/mississippi or may be accessed through a link on the Plan's website at www.knowyourbenefits.dfa.state.ms.us.

Prescription Drug Program

The plan includes a co-payment program for prescription drugs. An enrollee must elect health insurance coverage in order to participate in the prescription drug program. Refer to the Plan Document for information on the Base and Select Coverage deductibles, Co-payments, Mail Order Service, Generic Drugs, Preferred Band Drugs, etc located in the Plan Document at www.knowyourbenefits.dfa.state.ms.us.

To be covered under the Plan, prescription drugs must be prescribed by a physician, dispensed by a licensed pharmacist, and found to be medically necessary for the treatment of the participant's illness or injury. Participants may purchase medically necessary prescription drugs at participating retail pharmacies, through the Catalyst Rx mail order service, or through the dedicated specialty pharmacy program. Coverage for prescription drugs purchased at a retail pharmacy or through the mail order service is limited to a 90-day supply. Coverage for prescription drugs purchased through the specialty pharmacy program is limited to a 30-day supply.

When a prescription drug is purchased at a participating retail pharmacy, the participant is only required to pay the appropriate co-payment amount (after the applicable deductible is met) or the cost of the drug, whichever is less. There is no claim form to file. When a prescription drug is at a non-participating pharmacy, the participant must file a claim with Catalyst Rx. Payment of the claim will be made based upon the Plan's allowable charge. The participant is responsible for any amount in excess of the allowable charge, plus the applicable deductible and/or co-payment.