|Q: Is this a discount plan, or traditional health plan?
A: This plan operates just like traditional health plans, with many more included benefits, like $0 copay for telemedicine, as well as a wellness program to reduce costs to employers and employees.
Q: Is my physician “in-network?”
A: The plan operates on the PHCS/MultiPlan network, which is the largest health provider network in the nation. If for any reason you are in an area not included in the PHCS/MultiPlan network, there are several other networks to choose from.
Q: Are my prescriptions covered?
A: Prescriptions are included in the plan, and vary by generic, branded and specialty. As an example, generic drugs on any of the three PPO plans are $1. The plan also includes an International Prescription Mail Order option, for deep discounts on name-brand medications.
Q: How can the rates be so cost-effective?
A: The plan is a Level-Funded Plan, meaning the risk is spread across all groups involved in the plan. Currently, there are 110,000 individuals on the plan, ensuring that rates remain low, including renewals, which average 3%-5%.
Q: How much does it cost to join the plan?
A: The plan is open to all TFFA members, and requires no capital investment in or out of the plan. All that you pay are the monthly premiums for you and your employees. That’s it, nothing more.