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Medical Benefits
Rockwell Automation offers the Health Savings Account (HSA) option and the Broad Access Plan option. If you are a benefits-eligible employee living in Eastern Wisconsin, you have a third medical option—the High-Performance Plan. Choose from the categories below to learn more about each option and how they compare. Our options offer financial protection for you and your family when you need medical care. Here are a few other ways they are similar:
- Coverage for the same services (like doctor visits, hospital care and lab work).
- Fully covered in-network preventive care, even before you’ve met your deductible.
- Prescription drug coverage provided by CVS Caremark.
- Informed decision-support services to help you evaluate medical treatment options.
| HSA Option | Broad Access Plan Option | ||
|---|---|---|---|
The HSA option has lower premiums but a higher deductible. This means you pay less for coverage throughout the year but pay more when you use care. Some other benefits of the HSA option are that it:
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The Broad Access Plan option has higher premiums but a lower deductible. This means you pay more for coverage throughout the year but pay less when you use care. Some other benefits of the HRA option are that it:
|
| HSA In-Network | HSA Out-of-Network | Broad Access Plan In-Network | Broad Access Plan Out-of-Network | High-Performance Plan In-Network (for employees in Eastern Wisconsin) | |
|---|---|---|---|---|---|
| Deductible | You You + family | You You + family | You You + family | You You + family | None |
| Money from Rockwell Automation | You You + family | You |
N/A | None | N/A |
| The Plan Pays: Preventive Care | 100% no deductible | 60% after deductible | 100% no deductible | 60% after deductible | 100% when you see your primary care physician |
| The Plan Pays: Doctor Office Visits | 80% after deductible 85% (after deductible) for Tier 1 providers and Freestanding Facilities | 60% after deductible | 80% after deductible 85% (after deductible) for Tier 1 providers and Freestanding Facilities | 60% after deductible | $0 primary care |
| The Plan Pays: Urgent Care Clinic | 80% after deductible 85% (after deductible) for Tier 1 providers and Freestanding Facilities | 60% after deductible | 80% after deductible 85% (after deductible) for Tier 1 providers and Freestanding Facilities | 60% after deductible | 100% after your $50 copay |
| The Plan Pays: Emergency Room | 80% after deductible 85% (after deductible) for Tier 1 providers and Freestanding Facilities | 60% after deductible | 80% after deductible 85% (after deductible) for Tier 1 providers and Freestanding Facilities | 60% after deductible | 100% after your $250 copay |
| The Plan Pays: Hospital Stay | 80% after deductible 85% (after deductible) for Tier 1 providers and Freestanding Facilities | 60% after deductible | 80% after deductible 85% (after deductible) for Tier 1 providers and Freestanding Facilities | 60% after deductible | 100% after your $100 copay (no surgery) |
| Out-of-Pocket Maximum | You You + family | You You + family | You You + family | You You + family | You You + family |
Note: The premiums above are for full-time employees who work 40 hours per week and part-time employees who work 32 to 39 hours per week. Costs are approximately double for part-time employees who work 20 to 31 hours per week. These annual amounts will be taken out of your paycheck pre-tax throughout the year. 1 In addition you pay 50% in coinsurance for out-of-network ER and urgent care visits.
Reasonable and Customary Charges: The plan pays up to reasonable and customary (R&C) charges for out of network care. You are responsible for any cost difference if your expenses are more than the R&C limits.
A Note About Out-of-Pocket Maximums: Under the Affordable Care Act (ACA), the in-network out-of-pocket maximum for an individual can't exceed $7,150, even if the individual is covered under a family tier.
Using Tier 1 Providers and Freestanding Facilities
Using Tier 1 providers and Freestanding Facilities is optional. The Tier 1 designation helps you find providers known for offering the best combination of quality and cost. (The availability of Tier 1 providers varies by location.) Freestanding Facilities are outpatient, diagnostic or ambulatory centers, or independent laboratories in the Choice Plus network that perform services and submit claims as freestanding entities and not as hospitals.
Out-of-Pocket Maximum
Once your expenses reach a certain amount, Rockwell Automation will pay 100% of all remaining eligible costs for the rest of the year. You may pay additional amounts out of pocket for prescription drugs in the Broad Access Plan and High-Performance Plan options.
