affordable health care benefits - SIHOsiho.org/forms/ColumbusChamberProductBrochure.pdf · 2019-10-31 · The Columbus Chamber Endorsed Health Plans utilize the SIHO Plus network

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SIHO Insurance Services, headquartered in Columbus, Indiana, was established

in 1987 through the cooperative efforts of local physicians, hospitals, and

employers who were concerned about the rising cost of health care.

SIHO was formed with a vision to provide affordable health care benefits by

partnering with local medical providers and employers. One of the fastest

growing Health Plan Administrators in the Midwest, SIHO strives to raise the

standard of health care and the quality of life in its communities.

SIHO’s promise to its customers is very simple: provide them with the

sophistication of a national carrier while keeping the focus on flexibility and

cost-effectiveness as a top priority.

SIHO prides itself on helping customers have the best experience possible.

417 Washington Street l P.O. Box 1787 l Columbus, IN 47202-1787 l 812.378.7000

www.siho.org

www.facebook.com/SIHOInsuranceServices

What is it?

SIHO Insurance Services has partnered with the Columbus Chamber to offer endorsed fully

insured health plans to members of the chamber. The plans are available for employers with 2-50

eligible employees. By partnering with Columbus Regional Health and Inspire Health Partners,

SIHO ensures you and your employees have access to the best possible care.

Members will be able to select from multiple PPO plans and HSA options that provide

comprehensive coverage along with a wellness program and out-of-network coverage, meaning

employees are still covered even when traveling.

Read on to discover 2021 plan options and requirements.

Step 1

Network Information

Tier 1 Benefit

The Columbus Chamber Endorsed Health Plans utilize the SIHO Plus

network at an enhanced Tier 1 benefit level. Tier 1 offers members lower

cost sharing when receiving services from a SIHO Plus provider in

Bartholomew, Brown, Jennings, and Jackson counties. SIHO Plus includes

all leading physicians located in these communities and is powered by

Inspire Health Partners. Inspire works with the medical community to

ensure clinical coordination, creating a cost-effective, seamless member

experience with high quality outcomes.

Tier 2 Benefit

While members receive the richest benefit at Tier 1, the EncoreCombined

network is available at a Tier 2 benefit level. Member cost sharing under

Tier 2 is comparable to our competitors In-Network Tier 1, so that

members can seek care for specialized services at a competitive benefit.

Participation requirement is 75% of total eligible population after

excluding spousal waivers and waivers for other coverage.

Employer’s principle place of business must be Indiana. No more than 20%

of enrolled employees can reside outside of the primary service area which

is defined as Bartholomew, Brown, Jennings, and Jackson counties in Indiana.

Employers must be a member of the Columbus Chamber.

Eligible employees must work at least 30 hours per week.

SIHO Plus EncoreCombined Out-of-Network

Plan Code: HAA

Benefit Category

Annual Single Deductible $1,500 $3,000 $6,000

Annual Family Deductible $3,000 $6,000 $12,000

Annual OOP max - single (inc ded, copay, coinsurance) $6,300 $8,550 $25,650

Annual OOP max - family (inc ded, copay, coinsurance) $12,600 $17,100 $51,300

PCP Office $25 $40 Ded, 50%

Specialist Office (Coinsurance for Ancillary Services) $50 $80 Ded, 50%

Preventive Care $0 $0 Not covered

Inpatient Hospital Ded, 10% Ded, 20% Ded, 50%

Outpatient Hospital Ded, 10% Ded, 20% Ded, 50%

Professional Services (Inpatient & Outpatient) Ded, 10% Ded, 20% Ded, 50%

Emergency Room $300 $300 $300

Urgent Care $100 $100 Ded, 50%

Ambulance Ded, 10% Ded, 10% Ded, 10%

PT/OT/Speech (20 visit annual max each) $50 Ded, 20% Ded, 50%

Chiropractic (12 visits annual max) $50 $80 Ded, 50%

DME Ded, 10% Ded, 20% Ded, 50%

Inpatient Behavior Ded, 10% Ded, 20% Ded, 50%

Outpatient Behavior (4 free visits) $25 $40 Ded, 50%

Skilled Nursing (90 visits) Ded, 10% Ded, 20% Ded, 50%

Acute Inpatient Rehab Ded, 10% Ded, 20% Ded, 50%

Home Health (100 visits) Ded, 10% Ded, 20% Ded, 50%

Hospice Ded, 10% Ded, 20% Ded, 50%

Pharmacy

Generic Drug $10 $10 Ded, 50%

Brand Name Formulary $30 $30 Ded, 50%

Brand Name Nonformulary $60 $60 Ded, 50%

Specialty Drug 30% 30% Not covered

Specialty Drug Max $500 $500 Not covered

Mail Order (90-day Supply) 2.5x 2.5x N/A

Disclaimer: This is a draft of product offerings. The intention of this document is to provide an overview of the plans and does not include plan

exclusions and limitations.

The deductible and OOP max cross-applies between Tiers 1 and Tiers 2


Plan Code: HAB

Benefit Category























Pharmacy











Plan Code: HAC

Benefit Category























Pharmacy











Plan Code: HAD

Benefit Category























Pharmacy











Plan Code: HAH

Benefit Category











Emergency Room Ded, 50% Ded, 50% Ded, 50%



PT/OT/Speech (20 visit annual max each) $60 $90 Ded, 50%









Pharmacy











Plan Code: HAE

Benefit Category























Pharmacy



Brand Name Nonformulary Ded, $100 Ded, $100 Ded, 50%

Specialty Drug Ded, 30% Ded, 30% Not covered







Plan Code: HAF

Benefit Category























Pharmacy











Plan Code: HAJ

Benefit Category











Emergency Room $600, 50% $600, 50% $600, 50%



PT/OT/Speech (20 visit annual max each) $80 $110 Ded, 50%









Pharmacy











Plan Code: HAG

Benefit Category























Pharmacy











Plan Code: HA1

Benefit Category





PCP Office Ded, 10% Ded, 20% Ded, 50%

Specialist Office Ded, 10% Ded, 20% Ded, 50%






Urgent Care Ded, 10% Ded, 20% Ded, 50%


PT/OT/Speech (20 visit annual max each) Ded, 10% Ded, 20% Ded, 50%

Chiropractic (12 visits annual max) Ded, 10% Ded, 20% Ded, 50%



Outpatient Behavior Ded, 10% Ded, 20% Ded, 50%





Pharmacy

Generic Drug Ded, $15 Ded, $15 Ded, 50%

Brand Name Formulary Ded, $45 Ded, $45 Ded, 50%

Brand Name Nonformulary Ded, 10% Ded, 20% Ded, 50%








Plan Code: HA2

Benefit Category























Pharmacy

Generic Drug Ded, 10% Ded, 20% Ded, 50%

Brand Name Formulary Ded, 10% Ded, 20% Ded, 50%









Plan Code: HA3

Benefit Category























Pharmacy

Generic Drug Ded, 10% Ded, 20% Ded, 50%

Brand Name Formulary Ded, 10% Ded, 20% Ded, 50%









Plan Code: HA4

Benefit Category























Pharmacy

Generic Drug Ded, $10 Ded, $10 Ded, 50%

Brand Name Formulary Ded, $50 Ded, $50 Ded, 50%








SIHO will offer the following services for employers that participate in the Health Plan:

• Telephonic Health Coaching (for employees that need guidance and support)

• Yearly Biometric Screenings

• Educational Materials and Events

• Flu Shots

www.teladoc.com

For employers with 2-50 eligible employees. (Included for dependents under age 19.)

Pediatric Dental Plan

(under age 19)

Delta Dental

PPO Dentist

Delta Dental

Premier® Dentist Non Participating Dentist

Plan Pays Plan Pays Plan Pays

Diagnostic & Preventive

Diagnostic and Preventive Services – exams, cleanings, fluoride,

and space maintainers 90% 80% 80%

Emergency Palliative Treatment– to temporarily relieve pain 90% 80% 80%

Radiographs– X-Rays 90% 80% 80%

Sealants– to prevent decay of permanent teeth 90% 80% 80%

Basic Services

Minor Restorative Services– fillings and crown repair 50% 50% 50%

Oral Surgery Services– extractions and dental surgery 50% 50% 50%

Endodontic Services– root canals 50% 50% 50%

Periodontics Services– to treat gum diseases 50% 50% 50%

Relines and Repairs– to bridges and dentures 50% 50% 50%

Other basic services– misc. services 50% 50% 50%

Major Services

Major Restorative Services– crowns 50% 50% 50%

Prosthodontic Services– bridges, dentures, and implants 50% 50% 50%

Orthodontic Services

Orthodontic Services– Braces (when medically necessary) 50% 50% 50%

The following benefits include the Certified EHB Dental Benefits

covered by Delta Dental of Indiana

Orthodontic Age Limit Up to age 19

Plan Maximum N/A

Maximum out of Pocket: per person/per family/per calendar year.

The Maximum applies for all EHB covered services provided by the

PPO or Premier Dentist $35 / $700

Deductible– per person/ per family per calendar year. The deductible

does not apply to exams, cleanings, fluoride, space maintainers,

emergency palliative, treatment, sealants, and orthodontics $50 / $150

BENEFIT DESCRIPTION COPAY FREQUENCY

Your Coverage with a VSP Advantage Doctor

WellVision Exam ®

A thorough eye exam that tests for

childhood eye health and vision issues, like

nearsightedness, amblyopia (lazy eye),

and strabismus (crossed eyes)

$0 Every 12 months

Prescription Glasses

Frames Frames from our exclusive Otis & Piper

Eyewear Collection $0 Every 12 months

Lenses

• Single vision, lined bifocal, lined

trifocal, or lenticular lenses

• Polycarbonate, scratch-resistant

coating, and UV protection

$0 included in prescription

glasses Every 12 months

Lens Options 20% - 25% off other lens options N/A Every 12 months

Contacts (instead of glasses)

Contact lens exam and a minimum three-

month’s supply of contact lenses are

covered in full. Ask your VSP doctor which

contacts qualify for your child’s plan.

$0 Every 12 months

Extra Savings and

Discounts

Glasses and Sunglasses

20% off additional glasses and sunglasses, including lens options, from any VSP doctor within 12

months of your last WellVision Exam

Laser Vision Correction

Average 15% off the regular price or 5% off the promotional price; discounts only available from

contracted facilities

VSP guarantees coverage from VSP doctors only. Coverage information is subject to change.

PEDIATRIC VISION BENEFIT SUMMARY *Pediatric Vision is only provided to subscribers under age 19*

Taking care of your child’s eyes with VSP includes a covered-in-full benefit outlined below. You’ll have access to the highest quality vision

care from a VSP doctor you can trust. Visit vsp.com/advantage to find a doctor who’s right for your child and one who carries children’s

frames from our exclusive Otis & Piper™ Eyewear Collection.

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Name, Location

EE, Spouse, Dependents, DOB, Zip Code

Contact John Sadtler Jr.

Phone 812.314.2500 ext. 2125

Email [email protected]

Contact Bob Schafstall

Phone 812.379.4457

Email [email protected]

When submitting a new group to SIHO, please adhere to the following guidelines to

ensure greater overall satisfaction for the new group implementation.

• Employer application completed for medical coverage with network selection. • Employee applications and waivers completed for all eligible employees. • If the employer is offering multiple deductibles upon SIHO’s approval, the employee’s

choice needs to be clearly noted on their application • UC-1 wage & tax statement (most current) marked by the employer indicating which

employees are part-time, seasonal or terminated. • Proposal rate sheet with the employer’s initials acknowledging the plan and rates the

employer chooses to offer to their employees. • Binder check for first month’s premium. • List of any employees currently on COBRA coverage. SIHO will need term date, reason

for term, paid through date of COBRA coverage. • If pediatric dental through Delta Dental is selected, SIHO will need a HIPAA signature

page for group set-up.

https://www.google.com/search?gs_ssp=eJzj4tZP1zcsSSnILYnPNmC0UjWosLAwS0o0TE5JMzFITjVNNrYyqEi2MDE0MU5MMU2zTDQyM0v1kknOzynNTSotVkjOSMxNSi1SyE9TSM7PzU0tSk4FABA0Gl0&q=columbus+chamber+of+commerce&rlz=1C1GCEA_enUS880US880&oq=c&aqs=chrome.1.69i60j46j69i59l2j69i60l3

The plans illustrated in this brochure are representative examples.

Because plan details change from time to time, your plan may have

different benefits. Refer to your Certificate of Coverage for the specific

benefits available to you. For more information on these plans, contact

your authorized SIHO agent/broker or SIHO account coordinator.

Documents

affordable health care benefits - SIHOsiho.org/forms/ColumbusChamberProductBrochure.pdf · 2019-10-31 · The Columbus Chamber Endorsed Health Plans utilize the SIHO Plus network