Medical Benefits
The guide includes health care and prescription drug coverage under the BearCom group benefits plan.
Health Benefits
| Class A: Basic Plan | Class B: Enhanced Plan | |
|---|---|---|
| Reimbursement | 100% - $5,000,000 Lifetime maximum | 100% - $5,000,000 Lifetime maximum |
| Coverage Duration | 180 day trip duration | 180 day trip duration |
| Referral Treatment | 50% with a maximum of $3,000 every 3 calendar years | 50% with a maximum of $3,000 every 3 calendar years |
Reimbursement
- Class A: Basic Plan
- 100% - $5,000,000 Lifetime maximum
- Class B: Enhanced Plan
- 100% - $5,000,000 Lifetime maximum
Coverage Duration
- Class A: Basic Plan
- 180 day trip duration
- Class B: Enhanced Plan
- 180 day trip duration
Referral Treatment
- Class A: Basic Plan
- 50% with a maximum of $3,000 every 3 calendar years
- Class B: Enhanced Plan
- 50% with a maximum of $3,000 every 3 calendar years
| Class A: Basic Plan | Class B: Enhanced Plan | |
|---|---|---|
| Deductible | None | None |
| Services & Equipment | 80% Reimbursement (Hearing aids, orthotics, diabetic supplies, etc.) | 80% Reimbursement (Hearing aids, orthotics, diabetic supplies, etc.) |
| Paramedical Services | 100% Reimbursement; $350 per specialist, per calendar year; $35 per visit | 100% Reimbursement; $500 per specialist, per calendar year; $35 per visit |
| Eye Exams | 100% Reimbursement; 1 Exam per 24 months for adults; 1 Exam per 12 months for children under age 18 | 100% Reimbursement; 1 Exam per 24 months for adults; 1 Exam per 12 months for children under age 18 |
| Vision Care | 100% Reimbursement; $150 per 24 months (per 12 months under age 18) | 100% Reimbursement; $300 per 24 months (per 12 months under age 18) |
| Hospital | Not Included | 100% Reimbursement; Semi-Private |
Deductible
- Class A: Basic Plan
- None
- Class B: Enhanced Plan
- None
Services & Equipment
- Class A: Basic Plan
- 80% Reimbursement (Hearing aids, orthotics, diabetic supplies, etc.)
- Class B: Enhanced Plan
- 80% Reimbursement (Hearing aids, orthotics, diabetic supplies, etc.)
Paramedical Services
- Class A: Basic Plan
- 100% Reimbursement; $350 per specialist, per calendar year; $35 per visit
- Class B: Enhanced Plan
- 100% Reimbursement; $500 per specialist, per calendar year; $35 per visit
Eye Exams
- Class A: Basic Plan
- 100% Reimbursement; 1 Exam per 24 months for adults; 1 Exam per 12 months for children under age 18
- Class B: Enhanced Plan
- 100% Reimbursement; 1 Exam per 24 months for adults; 1 Exam per 12 months for children under age 18
Vision Care
- Class A: Basic Plan
- 100% Reimbursement; $150 per 24 months (per 12 months under age 18)
- Class B: Enhanced Plan
- 100% Reimbursement; $300 per 24 months (per 12 months under age 18)
Hospital
- Class A: Basic Plan
- Not Included
- Class B: Enhanced Plan
- 100% Reimbursement; Semi-Private
| Class A: Basic Plan | Class B: Enhanced Plan | |
|---|---|---|
| Deductible | None | None |
| Reimbursement | 90% at Costco; 80% All other Pharmacies | 90% at Costco; 80% All other Pharmacies |
| Annual Maximum | Unlimited | Unlimited |
| Drug Card | Included | Included |
| Drug Type Coverage | Generic Substitution | Generic Substitution |
| Fertility Drugs | Not Included | Not Included |
Deductible
- Class A: Basic Plan
- None
- Class B: Enhanced Plan
- None
Reimbursement
- Class A: Basic Plan
- 90% at Costco; 80% All other Pharmacies
- Class B: Enhanced Plan
- 90% at Costco; 80% All other Pharmacies
Annual Maximum
- Class A: Basic Plan
- Unlimited
- Class B: Enhanced Plan
- Unlimited
Drug Card
- Class A: Basic Plan
- Included
- Class B: Enhanced Plan
- Included
Drug Type Coverage
- Class A: Basic Plan
- Generic Substitution
- Class B: Enhanced Plan
- Generic Substitution
Fertility Drugs
- Class A: Basic Plan
- Not Included
- Class B: Enhanced Plan
- Not Included