For employees who prefer not to be covered by an HMO, Colby provides a traditional indemnity plan with more flexibility. Payments are based on the eligible charges for medical procedures. In addition to the deductible and co-insurance amounts, participants are responsible for charges over the usual and customary charges for service. 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. 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. Dependent coverage contributions for most domestic partners must be made on an after-tax basis.