Changes are permitted only in limited circumstances. The HMO features coverage for preventive medicine including well-baby care, routine eye exams, routine immunizations, and family planning. For employees who prefer not to be covered by an HMO, Colby provides a traditional indemnity plan with more flexibility. Comp-Care also provides a schedule of preventive care benefits. Separate benefit amounts and restrictions apply for substance abuse, and treatment of mental and nervous illness.
All hospital stays and surgical procedures are subject to utilization review.
Other providers will require payment from you and you would need to submit for reimbursement. In addition to the deductible and co-insurance amounts, participants are resposible for charges over the usual and customary charges for services. Both the HMO and Comp-Care offer a prescription drug card program. Oral contraceptives are covered under both the HMO, and the Comp-Care plans. Benefits will be provided on the same basis as a dependent under the plan.