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After-tax contributions—for such programs as life, LTD and long-term care insurance—are deducted from your paycheck after all applicable taxes have been withheld.
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Title X of the Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985 requires Columbia University to provide employees and/or their eligible dependents with the option of continuing to receive helath care coverage through the University even though they may no longer be benefits-eligible.
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A deductible is the amount of covered expenses that you pay before a plan begins paying any benefits.
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With the growth of information technology, the protection of private medical information has become a national concern. Congress addressed this with the Health Insurance Portability and Accountability Act of 1996, whose privacy provisions, applicable to all health plan providers, went into effect on April 14, 2003.
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You are charged less for care provided through a POS plan's own network of primary care providers (PCPs) and specialists. For care to be in-network, it must be recommended by an in-network PCP (i.e., a referral to an in-network hospital by an out-of-network PCP does not count as "in-network").
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Net pay is the amount of money left in your paycheck after all applicable taxes and deductions have been with held.
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You are charged more for care which is provided outside of a POS plan's own network of primary care providers (PCPs) and specialists. This includes in-network specialists when the referral is from an out-of-network PCP.
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The out-of-pocket limit is the maximum amount of covered expenses that you must pay in a calendar year. Once you have met your out-of-pocket limit, the plan pays 100 percent of covered reasonable and customary medical expenses.
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A primary care provider (PCP) coordinates all of your care through an HMO or POS plan. In general, a PCP is an internist, family or general practitioner, nurse practitioner or pediatrician.
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Pre-tax contributions are deducted from your pay before Social Security and federal income taxes, as well as most state and local taxes, are withheld. When you use pre-tax dollars to pay for benefits, your taxable income is reduced and you pay less taxes.
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A primary care provider (PCP) coordinates all of your care through an HMO or POS plan. In general, a PCP is an internist, family or general practitioner, nurse practitioner or pediatrician.
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The Preferred University Rx Purchasing Coalition, with participation by several universities, provides prescription drug services through Medco Health.
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The reasonable and customary (R&C) limit for care is based on the typical charge made by most health care providers for similar care in a geographic area. If the charge for care exceeds the R&C limit, you may be responsible for the amount above the limit.
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