Word: healthflex
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...HealthFlex Blue...
...recent years which could have been described and experienced as a positive new program was not so received. A year has passed since the University removed Blue Cross/Blue Shield, a traditional indemnity or "freedom of choice" plan, from the faculty and staff health care menu and replaced it with HealthFlex Blue, a Blue Cross-affiliated "point-of-service" plan, and the change is still widely misunderstood. (A point-of-service plan is a hybrid between an indemnity plan and an HMO--see "Definitions" below...
...deductible, and therefore a greater cost to patients, than the old Blue Cross plan. In the end, because HUCTW leaders have insisted on complete consultation about any large or small changes in health care offerings, we had a detailed understanding of the new plan and accepted it. As instituted, HealthFlex Blue charged an out-of-network deductible identical to the regular, annual deductible under the old Blue Cross/ Blue Shield. In other words, theoretically, no costs to patients were increased and better-managed care was made available to patients, at a lower premium. (See "managed care" in "Definitions" below...