Annual Benefits Enrollment - Changes by State: O-W

Check your state for any additional changes for 2009.

* The following States have no plan changes:

Ohio
Oklahama
Oregon
Pennsylvania

Tennessee
Utah
Vermont
Wyoming

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

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.

Changes for You in South Carolina

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.

Changes for You in South 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.

Changes for You in Tennessee

Changes for You in Texas

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 Benefits
Changes for Blue Cross Blue Shield PPO Plan and 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.

Changes for You in Vermont

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.

Changes for You in Virginia

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.

Changes for You in Washington

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.

Changes for You in West Virginia

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.

Changes for You in Wisconsin

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 Benefits
Changes for Blue Cross Blue Shield PPO Plan and 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. Prescriptions will have a separate out-of-pocket maximum that applies only to mail order — $1,000 per individual and $2,000 per family. Note: For the HealthPartners Distinctions II Plan, prescription drugs will no longer be counted as part of the plan's out-of-pocket maximum.

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 Wisconsin 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.

Published 10/06/2008