Click here to compare your health plans.  https://www.comparemyhsa.com/

Common features of both plans:

There is no difference between the PPO and QHDP as to what is covered.  Co-pays and deductibles count towards the out-of-pocket maximum will differ.

Both plans are affiliated with Novant Hospital and Atrium Medical Center.

Both plans offer network benefits which include physician services, emergency care, inpatient and outpatient hospitalization and prescription coverage.

Medic pays a portion of the total cost of medical insurance for all active regular employees.

Employees can choose to cover dependents and are responsible for the additional cost.

PPO Plan Details:

In-Network Deductible (Single/Family)	$600/$1,200
Out-of-Network Deductible (Single/Family)	$1,500/$3,000
In-Network Co-insurance	30%
Out-of-Network Co-insurance	40%
In-Network Out of Pocket Max (includes deductible)	$5,000/$10,000
Out-of-Network Out of Pocket Max (includes deductible)	$10,800/$21,600
Office Visits (PCP/Specialist)	$25/$40 copay
Emergency Room	$225 copay,  Deductible and Coinsurance
Urgent Care	$60 copay
Preventative Generics	100% Covered
Retail Generic	$15 copay
Retail Preferred Brand	30%    $30 minimum, $90 maximum
Retail Non-Preferred Brand	40%    $60 minimum, $120 maximum

HDHP Enhanced Plan Details:

In-Network Deductible (Single/Family)	$2,000/$4,000
Out-of-Network Deductible (Single/Family)	$ 4,000/8,000
In-Network Co-insurance	30%
Out-of-Network Co-insurance	70%
In-Network Out of Pocket Max (includes deductible)	$6,000/$12,000
Out-of-Network Out of Pocket Max (includes deductible)	$12,000/ $24,000
All other services	30% after deductible
Preventative Generic	100% covered
Retail Generic	30% after deductible
Retail Preferred Brand	30% after deductible
Retail Non-Preferred Band	30% after deductible

HDHP Standard Plan Details:

In-Network Deductible (Single/Family)	$3,000/$6,000
Out-of-Network Deductible (Single/Family)	$6,000/$12,000
In-Network Co-insurance	30%
Out-of-Network Co-insurance	70%
In-Network Out of Pocket Max (includes deductible)	$7,000/$14,000
Out-of-Network Out of Pocket Max (includes deductible)	$14,000/$28,000
All other services	30% after deductible
Preventative Generic	100% covered
Retail Generic	30% after deductible
Retail Preferred Brand	30% after deductible
Retail Non-Preferred Band	30% after deductible

Medical Plan Opt Out/Waive $400 Contribution to FSA

If you have other group coverage for the open enrollment year and do not want to participate in Medic’s medical plan for 2024, you may choose to opt out/waive and Medic will contribute $400 to your medical flexible spending account (FSA). The opt out/waive status will remain in effect the entire year unless you have a qualifying family status change. Employees hired during the year receive a prorated FSA contribution. Mecklenburg EMS Agency reserves the right to request proof of coverage of other medical coverage at any time.

Coverage at Termination or Retirement

Employees leaving Mecklenburg County may remain under the group coverage for up to 18 months through the COBRA program and are fully responsible for paying all premiums.

Employees retiring from Mecklenburg County may be eligible to remain on the County’s medical insurance.  Anyone employed by Mecklenburg County for the first time after July 1, 2010 will not be eligible to remain on the County’s medical insurance upon retirement.  Please refer to the Benefits section of the Human Resources Policy for a full description of the eligibility requirements.

The County will not reimburse retirees for medical insurance premiums or allow them to participate in any group insurance plan if the retiree was convicted of or entered a plea of guilty or no contest to a criminal act which caused financial injury to the County.  This provision is effective January 1, 1998.

Employees who leave Mecklenburg County and retire from another jurisdiction that participates in the North Carolina Local Government Employee Retirement System will not be eligible for Mecklenburg County retiree benefits.

Dental Insurance Plans

Medic’s Dental Insurance is administered by Cigna. You may access your account online at www.mycigna.com or call customer service at 1-800-244-6224.

Semi-Annual Rates 24 Pay Periods	Employee	Employee + Child(ren)	Employee + Spouse	Employee + Family
Standard	$3.37	$17.52	$14.40	$27.55
Enhanced	$5.76	$29.90	$24.56	$47.02

For 2024 CIGNA Dental will continue to be Medic’s dental insurance provider. Employees have two options in selecting a dental plan: the standard or enhanced plan. Below are just a few of the differences between the two plans:

Standard

• Active Network (Can choose only dentists in the Cigna Network or penalized with lesser amount paid for out of network dentist). Note – There are not many providers in this area in CIGNA’s active network.
• Calendar Year Maximum of $1,500 per individual
• No Orthodontic coverage

Enhanced

• Passive Network (Can choose any Dentist in or out of network)
• Calendar Year maximum of $2,000 per individual
• Orthodontic Coverage (Includes Adults) Life time Max $2,000.

Vision Insurance – EyeMed

Medic’s Vision Insurance is administered by EyeMed.  You may access your account online by visiting www.myuhcvision.com or by calling 1-800-638-3120.

Semi-monthly 24 Pay Periods	Employee Only	EE+Child(ren)	EE+Spouse	Family
Standard Plan	$2.43	$5.29	$5.03	$8.30
Enhanced Plan	$5.75	$11.06	$10.78	$16.81

Medic offers employees a choice of two voluntary vision plans for a minimal premium which provides coverage for exams, lenses, frames, contacts, etc. at reduced costs.

Vision Benefits include an examination, standard lenses, frames (every 24 months), or contact lenses.

You may choose to upgrade to the Enhanced plan with the following:

• No co-pays
• Progressive lenses
• Edge coat
• Tints
• Anti-reflective & UV coatings
• Transitions Polycarbonate lenses