Employees determine what dollar amounts, if any, they want to allocate to each type of account, which will be payroll deducted before taxes are calculated. Taxable earnings will be reduced, and the employees will have increased spendable income. Employees may choose to designate the amount of money to establish either type of account in a yearly basis. All enrollments must be completed within 60 days of employment or during an open enrollment period. State Self Insurance Insured employees will be able to obtain services from either Preferred Patient Care physicians and hospitals or obtain services from conventional providers.
Coverage is world wide.
Preferred Patient Care providers will responsible for filing all claims. Pre-existing conditions are excluded for a 12 month period. New employees must enroll within 60 days of employment or during an annual open enrollment period. HMO selection is determined by geographical location. HMO's have no pre-existing condition clauses.