Our new plan design retained the best features of the previous Central and Superior plans, and changed those that did not meet our goals. The result is a comprehensive high level benefits package that is easy for all SBL employees to understand and use. We expect the majority of participants to opt for the highest benefits level by staying within the PPO network . However, any participant may at any time select a doctor, specialist or hospital outside the network. The key to this new formula is claim dollars, not the amount the employee has paid.
Prescription drugs are the fastest growing segment of medical expense.
To help maintain our high level of benefits, all participants must contribute their fair share. The prescription plan has been changed for all groups. Choosing the generic medication where possible will lower your cost. Discounts obtained through the Prescription Program and the PPO networks help keep your costs to a minimum. We are happy to be able to offer this new plan to all SBL employees.