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    Healthcare 101

    Do you find healthcare benefits confusing? We understand, and you have nothing to worry about! This page will help familiarize you with some common terms and insurance basics–we’ll make it easy.

    Learn the lingo.

    Learn the lingo.

    The amount of money you pay out of your own pocket for healthcare services, before JetBlue starts sharing the cost.

    The percentage that you pay for care after you’ve met your deductible for the calendar year. (JetBlue pays the remaining percentage.)

    The maximum amount you’ll pay for healthcare services (medical, behavioral health and prescription drugs) each year, including your deductible and coinsurance. After you reach this limit, JetBlue pays 100% for the rest of the calendar year.

    A service or product (e.g., a doctor’s office visit, lab work, prescription drugs, etc.) that qualifies for payment under your health coverage. Here’s a look at what some common eligible expenses.

    A document that shows what services you received, how much your healthcare option paid and what you owe the doctor. Even though it’s not a bill, it’s important to review it carefully to ensure that you were correctly charged.

    An account that lets you set aside your own pre-tax dollars from each paycheck to pay for eligible expenses. JetBlue offers two different accounts—and the maximum dollar amount that you can set aside is set by the IRS.

    • The Healthcare FSA is used to pay for eligible healthcare expenses. This includes deductibles, copays, coinsurance and charges not covered by your coverage, as well as services such as chiropractic visits, hearing exams, orthodontia, prescriptions and physical therapy. The full amount you choose to deposit into your Healthcare FSA is available to use through ConnectYourCare at the start of your coverage, even though contributions are taken out of each paycheck throughout the year.

    NOTE: You cannot enroll in a Healthcare FSA if you’re enrolled in the Blue Option—it’s an IRS rule!

    • The Dependent Care FSA is used to pay for eligible daycare expenses for dependents under age 13 or care for disabled dependents, not their health expenses (Healthcare FSA can be used for that). To use money in your Dependent Care FSA, you must have enough balance in your account from payroll contributions to cover the expenses.

    A drug formulary is a list of prescription drugs, both generic and brand name, that are considered safe and effective and also have the greatest overall value. To review the drug formulary covered by your JetBlue Medical Option, visit caremark.com.

    An account that is automatically included with the Green Medical Option, where JetBlue places seed dollars in the account at the beginning of the year, or when your medical coverage begins (prorated based on your start date). These funds can then be used to help pay for eligible healthcare expenses. Your Healthy Rewards dollars are also deposited into this account. If you leave the Green Option, any unspent money goes away.

    An account that is automatically included with the Blue Medical Option, where JetBlue places seed dollars in the account at the beginning of the year or when your medical coverage begins (prorated based on your start date). These funds can then be used to pay for eligible healthcare expenses now or you can save them for later. Your Healthy Rewards dollars are also deposited into this account. Plus, you can contribute your own money and save on taxes in multiple ways (triple-tax savings):

    • You can make contributions through payroll deductions, before taxes (optional)
    • You have the option to invest the money in your HSA and get tax-free earnings on invested funds
    • When you spend the money from your account on healthcare expenses, it’s also tax-free

    If you leave the Blue Option or separate from JetBlue, you get to keep all of the unspent money.

    The facilities, providers and suppliers that the JetBlue Medical, Dental and Vision Options have contracts with in order to provide healthcare services. When you use in-network providers and facilities, you pay less for services.

    NOTE: With Cigna Dental Care Access Plus DHMO and for buying prescription drugs, you can only use in-network providers; you have to pay 100% of the cost for out-of-network.

     

    The period of time benefits are in effect through your health coverage. JetBlue’s plan option years always begin on January 1 and end on December 31.

    A PPO or Preferred Provider Organization is a network of healthcare providers and facilities that has agreed to provide care to Crewmembers and their dependents.

    This is a requirement that your physician obtain approval from your health insurance to prescribe a specific medication or complete a procedure.

    Preventive care includes annual physicals, screenings, tests and exams that are designed to detect disease and medical issues early on and to generally check your overall health. Most services are covered 100%—with no copay, coinsurance or deductible—however, you may be billed for some lab work if it’s considered extra.

    These are the types of people and places that deliver healthcare to you, such as doctors, therapists, dentists, optometrists, pharmacies and hospitals. This also refers to the companies that offer you a network of healthcare professionals: Anthem BlueCross BlueShield and UnitedHealthcare for medical, Cigna for dental and EyeMed Vision Care for vision coverage.

    The amount taken from each paycheck for having healthcare coverage with JetBlue.

    A written order from your primary care doctor for you to see a specialist (such as a cardiologist or neurologist) for a more specific treatment and/or examination.

    Know JetBlue healthcare basics.

    Know JetBlue healthcare basics.

    Medical

    • JetBlue’s Medical offers two Options, with different Business Partners to select from (review the overview).
    • Choose between the Green Option (with Health Reimbursement Account, or HRA) or the Blue Option (with Health Savings Account, HSA).
    • Choose between Anthem BlueCross BlueShield or UnitedHealthcare for your network of providers. These two choices don’t differ in coverage, but may have different doctors in their networks.
    • Both Options cover the same healthcare expenses. The Blue Option has higher rates.

    Behavioral Health Support

    Prescription Drug

    • Automatically included with the medical option you choose.
    • Must use CVS Caremark network pharmacies—which consists of 7,400 pharmacies including CVS, Walmart, Target, Walgreens, Rite Aid and many more.

    Dental

    • Choose between the Total Cigna DPPO or the Cigna Dental Care Access Plus DHMO
    • DPPO provides in- and out-of-network coverage with a deductible and coinsurance.
    • DHMO provides in-network coverage only, requires you to select a primary dentist and dental costs are based on a fee schedule (with set costs). The DHMO has lower rates.

    Vision

    • One option for all Crewmembers.
    • Coverage through EyeMed Vision Care.
    • You pay less for services when you use a provider who is part of the nationwide “Access” network.

    Paying for medical, behavioral health and prescription services.

    Paying for medical, behavioral health and prescription services.

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    Get JetBlue money.

    JetBlue puts seed dollars into your HRA (Green Option) or HSA (Blue Option). Check and manage your dollars at Optum Financial.

     

    If you’re enrolled in JetBlue Medical, Healthy Rewards you earn are deposited into your HRA or HSA. For Pilots who are Part-Time or who have waived JetBlue Medical, a Healthy Rewards Account is opened for you. Visit jetblue.werally.com to earn!

    You pay expenses for medical visits, prescription drug and behavioral health until you reach your plan deductible. Use your HRA, HSA or Healthy Reward dollars—or pre-tax dollars you’ve set aside—to pay eligible expenses.

    Once you reach your deductible, JetBlue pays 80% and you pay 20% of costs up to the annual in-network out-of-pocket maximum.

    If you reach the out-of-pocket maximum, JetBlue pays 100% of costs for the rest of that year.

    Connect with BlueCarpet.

    BlueCarpet is a FREE advocacy service available to all Crewmembers. Call BlueCarpet at 1-866-529-1675 to ask questions about insurance or your JetBlue Medical. You can also get help with resolving claims and billing issues, or finding providers and using Healthy Rewards. BlueCarpet can connect you to a nurse to receive guidance on a health condition or connect you to Navigator, our Crewmember Assistance Program, with access to free counseling and various types of support. When in doubt, call BlueCarpet.

    Resources.

     

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