Medical
Barnes offers a choice of medical plans designed to help you and your family maintain good health and offer protection from the financial burden of a serious illness or injury. Deciding which plans are best for you depends on your specific health care needs, provider preferences, budget and lifestyle. You can select from the options shown below.
Our Choice POS Plan is the richest of our medical plan options and requires the highest premiums. With this plan, you have the freedom to get your care from network or non-network doctors, hospitals and other health care providers, without referrals from a primary care physician (PCP). When you receive care from non-network providers, you pay a higher share of the cost of care.
Routine preventive care provided by in-network providers will be covered at 100 percent. For most other in-network primary care and specialist office visits you will be responsible for a copayment. Other care, such as hospitalization, laboratory and diagnostic testing will be subject to an annual deductible, after which you pay a percentage of the cost of covered services (coinsurance), up to an annual out-of-pocket maximum. Since you share the costs of covered services, your focus would be on the cost and quality of the providers you see to make the most of your plan. After you reach your annual out-of-pocket maximum, the plan pays 100 percent of covered services for the rest of the plan year.
| Employee cost | Highest employee premiums; lowest deductibles |
| Provider network | Aetna CPOSII national network of contracted providers |
| Primary care physician (PCP) to manage care | Not required |
| Referrals needed to see a specialist | Not required |
| Calendar-year deductible | In-Network: $1,000 per individual/$2,000 per family1 Out-of-Network: $2,000 per individual/$4,000 per family1 |
| Health savings account (HSA) | No |
| Coinsurance (your cost) after meeting deductible | Network: 20% Non-network: 40% |
| Calendar-year out-of-pocket maximum | Network: $4,000 per individual/$8,000 per family2 Non-network: $6,000 per individual/$12,000 per family2 |
| Preventive care | Network: Covered in full (calendar-year deductible waived). Non-network: 40% |
| Office visit (you pay) | Network: $25 copay for primary care (deductible waived). $50 copay for specialist care (deductible waived). Non-network: 40%3 |
| Hospitalization | Network: 20%3 Non-network: 40%3 |
| Pharmacy retail (30-day supply) |
CVS Caremark network pharmacy: |
| Pharmacy mail services (up to 90-day supply) |
CVS Caremark network pharmacy: |
1. If you have other family members on the plan, each family member must meet their own individual deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible.
2. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met.
3. After meeting your calendar year deductible.
The HSA Advantage Plan is our richest Consumer-Driven Health Plan (CDHP) option, which offers the protection of a medical plan plus a tax-free HSA you can use to help pay for eligible health care expenses, now and in the future. Under the HSA Advantage Plan you must satisfy the deductible before the Plan will cover a portion of your expenses. For individuals enrolled in two-person or family coverage you must satisfy the full family deductible amount before the plan’s coinsurance will apply.
After you meet the annual deductible, the plan pays a percentage of covered services received through either network or non-network providers. Preventive services will be covered at 100 percent before the deductible or plan coinsurance.
| HSA Advantage Plan Highlights | |
|---|---|
| Employee cost | Mid-range cost medical option; lowest deductible HSA-qualified High Deductible Health Plan |
| Provider network | Aetna CPOSII network of contracted providers |
| Primary care physician (PCP) to manage care | Not required |
| Referrals needed to see a specialist | Not required |
| Calendar-year deductible | In-Network: $2,000 per individual/$4,000 per family1 Out-of-Network: $3,500 per individual/$7,000 per family1 |
| Health savings account (HSA) | Yes. You may make personal contributions to your HSA. In addition the Company will match your HSA contributions dollar-for-dollar up to $250 per individual/$500 per family (prorated for mid-year enrollment/changes) |
| Coinsurance (your cost) after meeting deductible | Network: 25% Non-network: 40% |
| Calendar-year out-of-pocket maximum | Network: $4,000 per individual/$8,000 per family2 Non-network: $6,000 per individual/$12,000 per family2 |
| Preventive care | Network: Covered in full (calendar-year deductible waived). Non-network: 40%3 |
| Office visit (you pay) | Network: 25%3 Non-network: 40%3 |
| Hospitalization | Network: 25%3 Non-network: 40%3 |
| Pharmacy retail (30-day supply) |
CVS Caremark network pharmacy: |
| Pharmacy mail services (up to 90-day supply) |
CVS Caremark network pharmacy: |
*Preventive generic medications bypass the deductible and are at $0 cost to you.
1. You must meet the family deductible before any person receives benefits.
2. You must meet the family out-of-pocket maximum before any person receives 100% coverage.
3. After meeting your calendar year deductible.
The HSA Value Plan is our middle tier Consumer Driven Health Plan (CDHP) option. It may be an appropriate choice for individuals who are looking for a plan that requires smaller premiums from their paycheck in exchange for a larger deductible in the event health care services are needed. The HSA Value Plan pairs with a tax-free HSA allowing personal and company contributions to help plan and save for future health care expenses. The plan also features preventive services covered at 100 percent before the deductible or plan coinsurance.
Under the HSA Value Plan you must satisfy the deductible before the plan will cover a portion of your expenses. For individuals enrolled in two-person or family coverage you must satisfy the full family deductible amount before the plan’s coinsurance will apply.
| HSA Value Plan Highlights | |
|---|---|
| Employee cost | Moderate deductibles; lower premiums |
| Provider network | Aetna CPOSII national network of contracted providers |
| Primary care physician (PCP) to manage care | Not required |
| Referrals needed to see a specialist | Not required |
| Calendar-year deductible | In-Network: $3,000 per individual/$6,000 per family1 Out-of-Network: $5,000 per individual/$10,000 per family1 |
| Health savings account (HSA) | Yes. You may make personal contributions to your HSA. In addition the Company will match your HSA contributions dollar-for-dollar up to $500 per individual/$1,000 per family (prorated for mid-year enrollment/changes) |
| Coinsurance (your cost) after meeting deductible | Network: 30% Non-network: 50% |
| Calendar-year out-of-pocket maximum | Network: $5,000 per individual/$10,000 per family2 Non-network: $9,000 per individual/$18,000 per family2 |
| Preventive care | Network: Covered in full (calendar-year deductible waived). Non-network: 50%3 |
| Office visit (you pay) | Network: 30%3 Non-network: 50%3 |
| Hospitalization | Network: 30%3 Non-network: 50%3 |
| Pharmacy retail (30-day supply) |
CVS Caremark network pharmacy: |
| Pharmacy mail services (up to 90-day supply) |
CVS Caremark network pharmacy: |
*Preventive generic medications bypass the deductible and are at $0 cost to you.
1. You must meet the family deductible before any person receives benefits.
2. If enrolled in family coverage, the maximum out of pocket for any one individual within the family is $8,700.
3. After meeting your calendar year deductible.
The HSA Max Plan is our most economical plan option. It may be an appropriate plan option for individuals who are generally healthy and do not expect considerable health care expenses during the upcoming year, or, would prefer to pay smaller premiums from their paycheck and more out-of-pocket in the event health care services are needed.
Under the HSA Max Plan you must satisfy the deductible before the plan will cover a portion of your expenses. For individuals enrolled in two-person or family coverage you must satisfy the full family deductible amount before the plan’s coinsurance will apply. The HSA Max plan also features preventive services covered at 100 percent before the deductible or plan coinsurance.
| HSA Max Plan Highlights | |
|---|---|
| Employee cost | Highest deductibles; lowest premiums |
| Provider network | Aetna CPOSII national network of contracted providers |
| Primary care physician (PCP) to manage care | Not required |
| Referrals needed to see a specialist | Not required |
| Calendar-year deductible | In-Network: $7,050 per individual/$14,100 per family1 Out-of-Network: $10,000 per individual/$20,000 per family1 |
| Health savings account (HSA) | Yes. You may make personal contributions to your HSA. In addition, the Company will match your HSA contributions dollar-for-dollar up to $750 per individual/$1,500 per family (prorated for mid-year enrollment/changes) |
| Coinsurance (your cost) after meeting deductible | Network: N/A Non-network: N/A |
| Calendar-year out-of-pocket maximum | Network: $7,050 per individual/$14,100 per family2 Non-network: $20,000 per individual/$40,000 per family2 |
| Preventive care | Network: Covered in full (calendar-year deductible waived). Non-network: Not covered |
| Office visit (you pay) | Network: N/A Non-network: N/A |
| Hospitalization | Network: N/A Non-network: N/A |
| Pharmacy retail (30-day supply) |
CVS Caremark network pharmacy: Generic preventive medications*: |
| Pharmacy mail services (up to 90-day supply) |
CVS Caremark network pharmacy: Generic preventive medications*: |
*Preventive generic medications bypass the deductible and are at $0 cost to you.
1. You must meet the family deductible
2. If enrolled in family coverage, the maximum out of pocket for any one individual is $7,050
- Eligible preventive care services covered at 100% when you use in-network providers.
- Comprehensive medical coverage that includes both routine and emergency care.
- Coverage for hearing aids.
- Annual limits on what you pay to provide financial protection in the event of a serious condition.
- Comprehensive prescription drug benefits.
- Mental health, behavioral health and substance abuse coverage
- A large network of doctors, hospitals, and other providers that offer services at negotiated rates.
To search for in-network providers in your area, go to Aetna’s provider directory. You can perform the search as a guest. When prompted to select a plan, select the Aetna Choice POS II (Open Access).
You’ll receive a member ID card at your home address about 7-10 days after completing your initial benefits enrollment. You may also wish to download MyQHealth, Quantum’s mobile app. If you have a smartphone, your ID card is always just a few clicks away. You can call it up any time you need to show it to someone at your doctor's office.
You can call your Quantum Care Coordinator at 1-855-649-3862 or visit the MyQHealth website at www.MyBGIBenefitsCenter.com to request additional cards.
For more information on how to read your ID card, click here.
Call 1-855-649-3862 (Service hours 8:30am – 10:00pm EST) to speak with a Care Coordinator. Our MyQHealth hub, powered by dedicated Care Coordinators, will leverage the latest technology to provide personalized guidance and support to help you navigate all of your benefits.
The MyQHealth mobile app makes your health care a priority with up-to-date benefits information access anytime, anywhere.
From walking through treatment plans with providers and care management, to addressing benefits issues or finding better alternatives, MyQHealth Care Coordinators have all the right tools and services to ensure that you and your family members are receiving the right care.
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