Changes by State: A-K

Check your state for any additional changes for 2009.

 Alabama | Alaska | California | Colorado | Connecticut | Delaware | District of Columbia | Florida | Georgia | Idaho | Illinois | Indiana | Iowa

* The following States have no additional plan changes. 

• Arkansas
• Hawaii
• Kansas
• Kentucky 

Please check What's New for changes that are not state specific.

Changes for You in Alabama

HSA High Deductible Health Plan — State Income Tax Considerations
Please note that Alabama state tax laws do not exclude health savings account (HSA) contributions from state income taxes. Therefore, if you enroll in the HSA High Deductible Health Plan, your HSA contributions will be subject to state income taxes.

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Changes for You in Alaska

Blue Cross Blue Shield PPO Plan (Formerly Wells Fargo BCBS PPO Plan)
Coinsurance Changes
Following are the coinsurance changes for 2009:

• In-network and outpatient services, you pay 20%.
• Out-of-network services, you pay 40%.
• Emergency room, you pay the same coinsurance as a hospital admission.

Prescription Drug Benefit Changes
The prescription drug benefit is changing to a low copayment for generic drugs and a higher coinsurance for brand-name drugs. Plus, beginning next year, participants who use mail order will have the financial protection of an annual out-of-pocket maximum for mail-order prescription drug purchases. The prescription drug benefit changes are designed to encourage the use of generic drugs and mail order for drugs you take long term. The changes are summarized below:

• Generic drugs. Retail pharmacy, you pay $5 for up to a 30-day supply; mail order, you pay $10 for up to a 90-day supply.
• Brand formulary. Retail pharmacy, you pay 30% up to a $60 maximum per prescription for up to a 30-day supply; mail order, you pay 30% up to a $90 maximum per prescription for up to a 90-day supply.
• Brand nonformulary. Retail pharmacy, you pay 40% up to a $90 maximum per prescription for up to a 30-day supply; mail order, you pay 40% up to a $140 maximum per prescription for up to a 90-day supply.
• Separate annual out-of-pocket maximum. Prescriptions will have a separate out-of-pocket maximum that applies only to mail order — $1,000 per individual and $2,000 per family.

See Four Ways to Save Money on Prescription Drug Costs for more information and refer to the Rates and Comparison Charts 2009 for complete details.

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Changes for You in Arizona

Prescription Drug Benefits
Changes for CIGNA Exclusive Provider Plan (Formerly the Wells Fargo Exclusive Provider Plan)
The prescription drug benefit is changing to a low copayment for generic drugs and a higher coinsurance for brand-name drugs. Plus, beginning next year, participants who use mail order will have the financial protection of an annual out-of-pocket maximum for mail-order prescription drug purchases. The prescription drug benefit changes are designed to encourage the use of generic drugs and mail order for drugs you take long term. The changes are summarized below:

• Generic drugs. Retail pharmacy, you pay $5 for up to a 30-day supply; mail order, you pay $10 for up to a 90-day supply.
• Brand formulary. Retail pharmacy, you pay 30% up to a $60 maximum per prescription for up to a 30-day supply; mail order, you pay 30% up to a $90 maximum per prescription for up to a 90-day supply.
• Brand nonformulary. Retail pharmacy, you pay 40% up to a $90 maximum per prescription for up to a 30-day supply; mail order, you pay 40% up to a $140 maximum per prescription for up to a 90-day supply.
• Separate annual out-of-pocket maximum. Prescriptions will have a separate out-of-pocket maximum that applies only to mail order — $1,000 per individual and $2,000 per family.

See Four Ways to Save Money on Prescription Drug Costs for more information and refer to the Rates and Comparison Charts 2009 for complete details.

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There Are No Additional Changes for Arkansas

Changes for You in California

Health Net Northern California Silver Network No Longer Available (Northern California Only)
This plan will no longer be available due to the limited number of providers in the Health Net Silver Network, and because of the minimal cost difference from the broad Health Net California network. Wells Fargo continues to offer the Health Net California Plan. All providers previously in the Health Net California Silver Network are part of the broad Health Net California Plan.

If you are currently enrolled in the Health Net California Silver Network – Northern California HMO and do not make a health plan election during Annual Benefits Enrollment, your coverage will be defaulted to the Health Net California HMO. If this is the coverage you want for 2009, you do not need to make an election. Providers can change at any time — check the Provider Directory Service to confirm if your provider is part of the Health Net California HMO.

Health Net California Excludes Eye Exams
Health Net California will exclude routine eye exams from coverage. You may want to consider enrolling in a vision plan during Annual Benefits Enrollment to ensure coverage for routine eye exams and glasses or contacts. Refer to the Rates and Comparison Charts 2009 for complete details.

Kaiser California No Longer Requires Deductible
Kaiser California will no longer require that a deductible be met before the plan pays for a percentage of service. Refer to the Rates and Comparison Charts 2009 for complete details.

HSA High Deductible Health Plan — State Income Tax Considerations
Please note that California state tax laws do not exclude health savings account (HSA) contributions from state income taxes. Therefore, if you enroll in the HSA High Deductible Health Plan, your HSA contributions will be subject to state income taxes.

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Changes for You in Colorado

Prescription Drug Benefits
Changes for CIGNA Exclusive Provider Plan (Formerly the Wells Fargo Exclusive Provider Plan)
The prescription drug benefit is changing to a low copayment for generic drugs and a higher coinsurance for brand-name drugs. Plus, beginning next year, participants who use mail order will have the financial protection of an annual out-of-pocket maximum for mail-order prescription drug purchases. The prescription drug benefit changes are designed to encourage the use of generic drugs and mail order for drugs you take long term. The changes are summarized below:

• Generic drugs. Retail pharmacy, you pay $5 for up to a 30-day supply; mail order, you pay $10 for up to a 90-day supply.
• Brand formulary. Retail pharmacy, you pay 30% up to a $60 maximum per prescription for up to a 30-day supply; mail order, you pay 30% up to a $90 maximum per prescription for up to a 90-day supply.
• Brand nonformulary. Retail pharmacy, you pay 40% up to a $90 maximum per prescription for up to a 30-day supply; mail order, you pay 40% up to a $140 maximum per prescription for up to a 90-day supply.
• Separate annual out-of-pocket maximum. Prescriptions will have a separate out-of-pocket maximum that applies only to mail order — $1,000 per individual and $2,000 per family.

See Four Ways to Save Money on Prescription Drug Costs for more information and refer to the Rates and Comparison Charts 2009 for complete details.

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Changes for You in Connecticut

Prescription Drug Benefits
Changes for CIGNA Exclusive Provider Plan (Formerly the Wells Fargo Exclusive Provider Plan)
The prescription drug benefit is changing to a low copayment for generic drugs and a higher coinsurance for brand-name drugs. Plus, beginning next year, participants who use mail order will have the financial protection of an annual out-of-pocket maximum for mail-order prescription drug purchases. The prescription drug benefit changes are designed to encourage the use of generic drugs and mail order for drugs you take long term. The changes are summarized below:

• Generic drugs. Retail pharmacy, you pay $5 for up to a 30-day supply; mail order, you pay $10 for up to a 90-day supply.
• Brand formulary. Retail pharmacy, you pay 30% up to a $60 maximum per prescription for up to a 30-day supply; mail order, you pay 30% up to a $90 maximum per prescription for up to a 90-day supply.
• Brand nonformulary. Retail pharmacy, you pay 40% up to a $90 maximum per prescription for up to a 30-day supply; mail order, you pay 40% up to a $140 maximum per prescription for up to a 90-day supply.
• Separate annual out-of-pocket maximum. Prescriptions will have a separate out-of-pocket maximum that applies only to mail order — $1,000 per individual and $2,000 per family.

See Four Ways to Save Money on Prescription Drug Costs for more information and refer to the Rates and Comparison Charts 2009 for complete details.

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Changes for You in Delaware

Prescription Drug Benefits
Changes for CIGNA Exclusive Provider Plan (Formerly the Wells Fargo Exclusive Provider Plan)
The prescription drug benefit is changing to a low copayment for generic drugs and a higher coinsurance for brand-name drugs. Plus, beginning next year, participants who use mail order will have the financial protection of an annual out-of-pocket maximum for mail-order prescription drug purchases. The prescription drug benefit changes are designed to encourage the use of generic drugs and mail order for drugs you take long term. The changes are summarized below:

• Generic drugs. Retail pharmacy, you pay $5 for up to a 30-day supply; mail order, you pay $10 for up to a 90-day supply.
• Brand formulary. Retail pharmacy, you pay 30% up to a $60 maximum per prescription for up to a 30-day supply; mail order, you pay 30% up to a $90 maximum per prescription for up to a 90-day supply.
• Brand nonformulary. Retail pharmacy, you pay 40% up to a $90 maximum per prescription for up to a 30-day supply; mail order, you pay 40% up to a $140 maximum per prescription for up to a 90-day supply.
• Separate annual out-of-pocket maximum. Prescriptions will have a separate out-of-pocket maximum that applies only to mail order — $1,000 per individual and $2,000 per family.

See Four Ways to Save Money on Prescription Drug Costs for more information and refer to the Rates and Comparison Charts 2009 for complete details.

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Changes for You in the District of Columbia

Prescription Drug Benefits
Changes for CIGNA Exclusive Provider Plan (Formerly the Wells Fargo Exclusive Provider Plan)
The prescription drug benefit is changing to a low copayment for generic drugs and a higher coinsurance for brand-name drugs. Plus, beginning next year, participants who use mail order will have the financial protection of an annual out-of-pocket maximum for mail-order prescription drug purchases. The prescription drug benefit changes are designed to encourage the use of generic drugs and mail order for drugs you take long term. The changes are summarized below:

• Generic drugs. Retail pharmacy, you pay $5 for up to a 30-day supply; mail order, you pay $10 for up to a 90-day supply.
• Brand formulary. Retail pharmacy, you pay 30% up to a $60 maximum per prescription for up to a 30-day supply; mail order, you pay 30% up to a $90 maximum per prescription for up to a 90-day supply.
• Brand nonformulary. Retail pharmacy, you pay 40% up to a $90 maximum per prescription for up to a 30-day supply; mail order, you pay 40% up to a $140 maximum per prescription for up to a 90-day supply.
• Separate annual out-of-pocket maximum. Prescriptions will have a separate out-of-pocket maximum that applies only to mail order — $1,000 per individual and $2,000 per family.

See Four Ways to Save Money on Prescription Drug Costs for more information and refer to the Rates and Comparison Charts 2009 for complete details.

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Changes for You in Florida

Prescription Drug Benefits
Changes for CIGNA Exclusive Provider Plan (Formerly the Wells Fargo Exclusive Provider Plan)
The prescription drug benefit is changing to a low copayment for generic drugs and a higher coinsurance for brand-name drugs. Plus, beginning next year, participants who use mail order will have the financial protection of an annual out-of-pocket maximum for mail-order prescription drug purchases. The prescription drug benefit changes are designed to encourage the use of generic drugs and mail order for drugs you take long term. The changes are summarized below:

• Generic drugs. Retail pharmacy, you pay $5 for up to a 30-day supply; mail order, you pay $10 for up to a 90-day supply.
• Brand formulary. Retail pharmacy, you pay 30% up to a $60 maximum per prescription for up to a 30-day supply; mail order, you pay 30% up to a $90 maximum per prescription for up to a 90-day supply.
• Brand nonformulary. Retail pharmacy, you pay 40% up to a $90 maximum per prescription for up to a 30-day supply; mail order, you pay 40% up to a $140 maximum per prescription for up to a 90-day supply.
• Separate annual out-of-pocket maximum. Prescriptions will have a separate out-of-pocket maximum that applies only to mail order — $1,000 per individual and $2,000 per family.

See Four Ways to Save Money on Prescription Drug Costs for more information and refer to the Rates and Comparison Charts 2009 for complete details.

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Changes for You in Georgia

Prescription Drug Benefits
Changes for CIGNA Exclusive Provider Plan (Formerly the Wells Fargo Exclusive Provider Plan)
The prescription drug benefit is changing to a low copayment for generic drugs and a higher coinsurance for brand-name drugs. Plus, beginning next year, participants who use mail order will have the financial protection of an annual out-of-pocket maximum for mail-order prescription drug purchases. The prescription drug benefit changes are designed to encourage the use of generic drugs and mail order for drugs you take long term. The changes are summarized below:

• Generic drugs. Retail pharmacy, you pay $5 for up to a 30-day supply; mail order, you pay $10 for up to a 90-day supply.
• Brand formulary. Retail pharmacy, you pay 30% up to a $60 maximum per prescription for up to a 30-day supply; mail order, you pay 30% up to a $90 maximum per prescription for up to a 90-day supply.
• Brand nonformulary. Retail pharmacy, you pay 40% up to a $90 maximum per prescription for up to a 30-day supply; mail order, you pay 40% up to a $140 maximum per prescription for up to a 90-day supply.
• Separate annual out-of-pocket maximum. Prescriptions will have a separate out-of-pocket maximum that applies only to mail order — $1,000 per individual and $2,000 per family.

See Four Ways to Save Money on Prescription Drug Costs for more information and refer to the Rates and Comparison Charts 2009 for complete details.

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There Are No Additional Changes for Hawaii

Changes for You in Idaho

Prescription Drug Benefits
Changes for CIGNA Exclusive Provider Plan (Formerly the Wells Fargo Exclusive Provider Plan)
The prescription drug benefit is changing to a low copayment for generic drugs and a higher coinsurance for brand-name drugs. Plus, beginning next year, participants who use mail order will have the financial protection of an annual out-of-pocket maximum for mail-order prescription drug purchases. The prescription drug benefit changes are designed to encourage the use of generic drugs and mail order for drugs you take long term. The changes are summarized below:

• Generic drugs. Retail pharmacy, you pay $5 for up to a 30-day supply; mail order, you pay $10 for up to a 90-day supply.
• Brand formulary. Retail pharmacy, you pay 30% up to a $60 maximum per prescription for up to a 30-day supply; mail order, you pay 30% up to a $90 maximum per prescription for up to a 90-day supply.
• Brand nonformulary. Retail pharmacy, you pay 40% up to a $90 maximum per prescription for up to a 30-day supply; mail order, you pay 40% up to a $140 maximum per prescription for up to a 90-day supply.
• Separate annual out-of-pocket maximum. Prescriptions will have a separate out-of-pocket maximum that applies only to mail order — $1,000 per individual and $2,000 per family.

See Four Ways to Save Money on Prescription Drug Costs for more information and refer to the Rates and Comparison Charts 2009 for complete details.

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Changes for You in Illinois

Health Alliance
Plan changes include:

• Limit on all chiropractic services. There will be an annual limit of $1,000 per participant on all chiropractic services.
• Eye exams excluded. Health Alliance will exclude routine eye exams from coverage. You may want to consider enrolling in a vision plan during Annual Benefits Enrollment to ensure coverage for routine eye exams and glasses or contacts.
• Prescription drug copayment. Copayments for brand name drugs are increasing. Below are the 2009 prescription drug copayments:
  • Generic drugs. Retail pharmacy, $10 copay; mail order, $30 copay.
  • Brand formulary. Retail pharmacy, $25 copay; mail order, $75 copay.
  • Brand nonformulary. Retail pharmacy, $50 copay; mail order, $150 copay.

See Four Ways to Save Money on Prescription Drug Costs for more information and refer to the Rates and Comparison Charts 2009 for complete details.

Prescription Drug Benefits
Changes for CIGNA Exclusive Provider Plan (Formerly the Wells Fargo Exclusive Provider Plan)
The prescription drug benefit is changing to a low copayment for generic drugs and a higher coinsurance for brand-name drugs. Plus, beginning next year, participants who use mail order will have the financial protection of an annual out-of-pocket maximum for mail-order prescription drug purchases. The prescription drug benefit changes are designed to encourage the use of generic drugs and mail order for drugs you take long term. The changes are summarized below:

• Generic drugs. Retail pharmacy, you pay $5 for up to a 30-day supply; mail order, you pay $10 for up to a 90-day supply.
• Brand formulary. Retail pharmacy, you pay 30% up to a $60 maximum per prescription for up to a 30-day supply; mail order, you pay 30% up to a $90 maximum per prescription for up to a 90-day supply.
• Brand nonformulary. Retail pharmacy, you pay 40% up to a $90 maximum per prescription for up to a 30-day supply; mail order, you pay 40% up to a $140 maximum per prescription for up to a 90-day supply.
• Separate annual out-of-pocket maximum. Prescriptions will have a separate out-of-pocket maximum that applies only to mail order — $1,000 per individual and $2,000 per family.

See Four Ways to Save Money on Prescription Drug Costs for more information and refer to the Rates and Comparison Charts 2009 for complete details.

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Changes for You in Indiana

PHP Indiana Excludes Eye Exams
PHP Indiana will exclude routine eye exams from coverage. You may want to consider enrolling in a vision plan during Annual Benefits Enrollment to ensure coverage for routine eye exams and glasses or contacts. Refer to the Rates and Comparison Charts 2009 for complete details.

Prescription Drug Benefits
Changes for CIGNA Exclusive Provider Plan (Formerly the Wells Fargo Exclusive Provider Plan)
The prescription drug benefit is changing to a low copayment for generic drugs and a higher coinsurance for brand-name drugs. Plus, beginning next year, participants who use mail order will have the financial protection of an annual out-of-pocket maximum for mail-order prescription drug purchases. The prescription drug benefit changes are designed to encourage the use of generic drugs and mail order for drugs you take long term. The changes are summarized below:

• Generic drugs. Retail pharmacy, you pay $5 for up to a 30-day supply; mail order, you pay $10 for up to a 90-day supply.
• Brand formulary. Retail pharmacy, you pay 30% up to a $60 maximum per prescription for up to a 30-day supply; mail order, you pay 30% up to a $90 maximum per prescription for up to a 90-day supply.
• Brand nonformulary. Retail pharmacy, you pay 40% up to a $90 maximum per prescription for up to a 30-day supply; mail order, you pay 40% up to a $140 maximum per prescription for up to a 90-day supply.
• Separate annual out-of-pocket maximum. Prescriptions will have a separate out-of-pocket maximum that applies only to mail order — $1,000 per individual and $2,000 per family.

See Four Ways to Save Money on Prescription Drug Costs for more information and refer to the Rates and Comparison Charts 2009 for complete details.

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Changes for You in Iowa

Health Alliance
Plan changes include:

• Limit on all chiropractic services. There will be an annual limit of $1,000 per participant on all chiropractic services.
• Eye exams excluded. Health Alliance will exclude routine eye exams from coverage. You may want to consider enrolling in a vision plan during Annual Benefits Enrollment to ensure coverage for routine eye exams and glasses or contacts.
• Prescription drug copayment. Copayments for brand name drugs are increasing. Below are the 2009 prescription drug copayments:
  • Generic drugs. Retail pharmacy, $10 copay; mail order, $30 copay.
  • Brand formulary. Retail pharmacy, $25 copay; mail order, $75 copay.
  • Brand nonformulary. Retail pharmacy, $50 copay; mail order, $150 copay.

See Four Ways to Save Money on Prescription Drug Costs for more information and refer to the Rates and Comparison Charts 2009 for complete details.

Prescription Drug Benefits
Changes for Coventry Health Care Iowa
Copayments for brand name drugs are increasing. Below are the 2009 prescription drug copayments:

• Generic drugs. Retail pharmacy, $10 for up to a 30-day supply; mail order, $20 for up to a 90-day supply.
• Brand formulary. Retail pharmacy, $30 for up to a 30-day supply; mail order, $60 for up to a 90-day supply.
• Brand nonformulary. Retail pharmacy, $55 for up to a 30-day supply; mail order not available.

See Four Ways to Save Money on Prescription Drug Costs for more information and refer to the Rates and Comparison Charts 2009 for complete details.

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