Medical

 

St. Vrain offers two health plan options to benefits eligible employees and their eligible family members – the CNIC HRA plan and the Kaiser Permanente DHMO plan.


CNIC HRA PLAN

The self-insured CNIC Health Reimbursement Account (HRA) Plan is a Preferred Provider Organization (PPO) plan that offers a large network of contracted doctors and hospitals to choose from whenever care is needed. The plan is administered by CNIC Health Solutions.

In Colorado, in-network care is provided by the Rocky Mountain Health Network and if you are outside of Colorado, you will want to access the Aetna Signature Network to maximize your savings. After you meet your annual deductible, you are responsible for paying a portion of remaining eligible expenses (your coinsurance). To locate an in-state, in-network providers go to rmhp.org or for out-of-state network providers go to aetna.com/docfind.

When you enroll in the CNIC HRA plan, you automatically receive prescription drug coverage through National Pharmaceutical Services (NPS). You must use an in-network pharmacy to receive a benefit under the NPS pharmacy plan. Most national pharmacy chains and local pharmacies participate in the NPS Network.

(Please visit the NPS website at pti-nps.com to view the most up-to-date listing of pharmacy providers near you.)

UMR PPO (2017)

UMR Choice Plus PPO (2018)

UMR Direct Care PPO (2018)

 


Healthcare Bluebook

 

With just a few clicks on the HealthCare Bluebook website you can locate quality medical care and save hundreds or even thousands of dollars.  Prices for healthcare procedures can vary by 500% or more—even within the same PPO network—meaning you may be paying way more than you have to for your and your family’s health care.

 

The HealthCare Bluebook is a free service for all CNIC enrollees.  For additional information on how the HealthCare Bluebook can save you money, call CNIC at (800) 426-7453 or check out the HealthCare Bluebook website at:  healthcarebluebook.com/cc/stvrain.  Password:  hcbbstvrain


KAISER PERMANENTE (DHMO) PLAN

The Kaiser Permanente plan is a non-profit Deductible Health Maintenance Organization (DHMO) plan that provides services through Kaiser Permanente doctors, partner hospitals and other health care facilities. Out-of-network coverage is only available in urgent care and emergency situations where you become injured or unexpectedly ill while outside the service area.

Each time you visit a Kaiser Permanente pharmacy or other provider for care, you pay a copay or an amount based on your deductible and coinsurance responsibility. Your out-of-pocket costs for eligible expenses are capped annually at $2,500 for an individual or $5,000 for a family.

Kaiser Permanente DHMO