Jim Ellis is pleased to announce a new medical plan that will replace the existing health plans for 2021. Our new healthcare plan is called SimplePay Health. The goal with SimplePay is to simplify the healthcare experience while getting you and your dependents to the best doctors available.
Healthcare is complex. One of the problems with healthcare is that most of the time, we don’t know what we will owe in advance of a service or procedure. Another problem is that there is a tremendous variation in quality between doctors within the network, and we can’t easily identify the best doctors to ensure we get the best quality care while avoiding unnecessary procedures. SimplePay Health solves both of these challenges.
No deductible, no coinsurance, only copays. Once you meet the Out-of-Pocket Maximum, the plan pays 100%. With this plan option, you will pay less at the time of service for your medical care. You could pay significantly less at the time of service if you use Tier 1 providers (described below), because copays for these providers are lowest.
Sample ID Card
Data shows that within the same health plan networks, all doctors are not the same in terms of quality. Some physicians have better outcomes and lower readmission and complication rates than others. With SimplePay, the copays are based on the quality of the physicians, and you pay a lower copay for better quality providers. SimplePay’s tools make it easy for you to make informed healthcare decisions and identify the level of quality for individual doctors.
SimplePay’s mobile app includes a user-friendly doctor search tool with a map that displays doctors within your search parameters and the corresponding member copays. You’ll also have a dedicated HealthPro, available by telephone and app messaging. The HealthPro is your resource for all aspects of your health plan, including doctor recommendations.
The SimplePay Health plan includes in-network coverage only. You must access a participating provider for coverage to apply. However, the network is extensive. The SimplePay Health plan uses the national Aetna Open Choice PPO network. Access aetna.com/individuals-families/find-a-doctor.html, then select Plan from an employer, and choose Open Choice PPO under Aetna Standard Plans.
The plan is “open access.” You’re not required to select a Primary Care Physician, and you may go directly to a specialist within the network without a referral. We do however, encourage you to use the search tools to access the best providers that have the lowest copays.
In compliance with the Affordable Care Act, preventive care is covered at 100% with no member cost share. Simply use the app search tool or contact your HealthPro for assistance. There are no pre-existing limitations, and the plan includes unlimited coverage for covered services.
You pay nothing at the time of service at the physician’s office or the pharmacy. You will receive one consolidated monthly SimplePay statement. For Copay plan members, it will include your member copays. For HDHP members, the statement will include your deductible expenses until you meet your deductible. No more Explanations of Benefits (EOBs), and no more multiple bills from doctors and hospitals. The SimplePay health plan pays the providers in full.
Convenient Financing Available
Another great feature of the new SimplePay Health plan is built-in zero-interest member financing available. If you can’t pay your monthly copay statement by the due date, you can take advantage of a zero interest payment plan through convenient payroll deduction.
SimplePay pharmacy coverage includes retail, specialty, and mail order benefits, just like your existing plan. The prescription benefit is included in the medical plan out-of-pocket.
Did you know certain pharmacies are more expensive than others and cost the health plan more money for same exact medication? For example, the same prescription you fill at Walgreens could cost twice as much as a prescription filled at your local grocery store. Just like the health plan, you’ll pay less when accessing certain pharmacies for your prescriptions. SimplePay has a user-friendly prescription drug search tool that allows you to select your pharmacy based on cost.
MedOne is the name of your prescription drug vendor, and the MedOne Rx logo is included on your health plan ID Card. (There is a single ID card for both medical and pharmacy.)
Good news! Your SimplePay Health Pro is your single-point-of-contact for your medical and pharmacy service needs.
Instead of receiving Explanations of Benefits and bills from the doctor or hospital, you receive one medical statement at the end of the month summarizing the copays or deductibles you owe from the past 30 days. The copays on your statement match the copay amounts provided through the search tool or your Health Pro. There is a possibility the physician or pharmacy could bill less than the copay, in which case the lower billed amount would display on your statement. If you pay your statement in full by the due date, you’ll receive 1.5% credit on future statements.
Included in medical election for employees and dependents with $0 copay.
Virtual Primary Care Benefits
This unique benefit is included for all medical plan members and your covered dependents, and is the easiest way to get the primary care you need while at home or on the-go, at no cost to you for the Copay plan, and $10 / visit for the HDHP plan.
What you get:
Scope of Care
COVID 19 Care
In the event you or a dependent are undergoing ongoing treatment for a serious condition (I.e., cancer) or you have a scheduled surgery in early 2021, please contact the Benefits Service Center at 770-295-1100.
More information on the 2021 wellness program coming soon!
SimplePay Health uses one of the country’s largest healthcare databases consisting of 30+ billion Medicare and Commercial claims. SimplePay uses this data to accurately determine the quality of providers in your network. Below are the 4 Primary components that SimplePay Health uses to assign provider tiers:
Quality of Care – Quality is studied first and is the primary driver in assessing a provider’s tier. A few of the determining factors for quality include:
Relationships – It is important that providers are referring to other high-quality physicians and operating within high quality facilities to ensure you are receiving the best care possible.
Experience – Physician years of experience plays a factor in assigning the tier of the provider. Additionally, past member experiences play a roll. There is value in having positive experiences with a health care provider throughout your episode of care.
Cost – Providers must demonstrate they provide cost efficient care.
If you have additional questions relating to the quality of your current provider or provider you are considering using, please do not hesitate to reach out to your Simplepay Health Pro at 800-606-3564 or HealthPro@simplepayhealth.com.