Everyone must sign up between Sept. 25 and Oct. 14 to have Duke health or dental care coverage or to participate in reimbursement accounts for the next calendar year. Packets will then be delivered to the person's payroll representatives. Duke officials said they will take steps to make certain that no one unintentionally ends up without health insurance next year. Each Duke-offered health plan option works a little differently. There is no need to get a referral from the PCP to see a network specialist, there is no annual deductible and no claim forms to file.
Members pay a co-pay each time they see a health care provider.
Like Duke Select, it operates through a network of providers and members choose a primary care physician to coordinate health care needs, and pay a co-pay for their covered care. Members are free to see a specialist without a referral, there is no deducible and no claim forms to file. Members also may seek care both inside and outside of the provider network. Costs will be higher for an outside provider because insurance will pay a lower percentage of the bill. The costs will vary for employees, and will be spelled out in detail in the enrollment packets that will be mailed to each eligible employee's home.