Changes by State: L-N

Check your state for any additional changes for 2009.

 Maine | Maryland | Massachusetts | Michigan | Minnesota | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York| North Carolina | North Dakota

* The following States have no plan changes:

• Louisiana
• Mississippi
• Missouri 

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

Changes for You in Maine

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 Maryland

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 Massachusetts

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 Michigan

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 Minnesota

UnitedHealthcare PPO, UnitedHealthcare Consumer Directed Health (CDH) Plan, and HSA High Deductible Health Plan Network Changes
Due to an alliance between Medica and UnitedHealthcare, you will now receive care through Medica's network of doctors and hospitals. If you're outside the Medica network area, you will have access to UnitedHealthcare's national network. Check the Provider Directory Service to confirm if your provider is part of the Medica network.

Prescription Drug Benefits
Changes for HealthPartners Distinctions II 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. Prescription drugs will no longer be counted as part of the plan's 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 Montana

New West Health Services Plan Requires Preauthorization for Out-of-Network Services
New West Health Services will require preauthorization for all out-of-network services — excluding those eligible services for students and emergency room-related services. For preauthorization, contact member services at 1-800-290-3657.

Refer to the Rates and Comparison Charts 2009 for complete details.

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Changes for You in Nebraska

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.

Prescription Drug Benefits
Changes for Coventry Health Care Nebraska
Copays 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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Changes for You in Nevada

Health Plan of Nevada
Plan changes include:

• Increased out-of-pocket maximum. There will no longer be a family out-of-pocket maximum. Instead, each participant will have an individual out-of-pocket maximum. The 2009 out-of-pocket maximum is:
  • Northern Nevada, $6,700 per individual.
  • Southern Nevada, $6,100 per individual.
• Eye exams excluded. Health Plan of Nevada 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. The prescription drug benefit is changing to encourage the use of generic drugs and mail order for drugs you take long term. Below are the 2009 prescription drug copayments:
  • Generic drugs. Retail pharmacy, $10 copay; mail order, $20 copay.
  • Brand formulary. Retail pharmacy, $35 copay; mail order, $70 copay.
  • Brand nonformulary. Retail pharmacy, $55 copay; mail order not covered.

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 New Hampshire

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 New Jersey

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.

HSA High Deductible Health Plan — State Income Tax Considerations
Please note that New Jersey 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 New Mexico

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 New York

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 North Carolina

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 North Dakota

UnitedHealthcare PPO, UnitedHealthcare Consumer Directed Health (CDH) Plan, and HSA High Deductible Health Plan Network Changes
Due to an alliance between Medica and UnitedHealthcare, you will now receive care through Medica's network of doctors and hospitals. If you're outside the Medica network area, you will have access to UnitedHealthcare's national network. Check the Provider Directory Service to confirm if your provider is part of the Medica network.

Prescription Drug Benefits
Changes for HealthPartners Distinctions II 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. Prescription drugs will no longer be counted as part of the plan’s 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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