If there is any pool money remaining after the purchase of those benefits, the employee may use that money, in whole or part, toward the purchase of other benefits offered. If the pool money is not used, the employee does not receive it in pay. During their eligibility periods employees may opt out of the health and life insurance by showing proof of other comparable coverage, therefore freeing additional pool money for use in other benefits.
Hospitalization is covered in full.
Non-participating hospitalization is not covered. These kinds of plans give the employee the choice of using medical providers who participate and those who do not. When the employee chooses to use a participating provider, co-pays are due to primary care providers and specialists. Deductibles and prescription co-payments vary widely. Delta Care Delta Care is a Dental HMO plan that contains co-payments for services provided.