What kind of health coverage do members get from WCFS?
WCFS provides basic level of coverage using an Exclusive Provider Organization (EPO) plan. This means the plan has affordable co-pays but not all services are covered, and there are annual limits on the amount of coverage offered by type of service. For example, the annual maximum benefit limit for all services is $35,000 per person and the lifetime maximum benefit is $200,000 per person. Coverage for inpatient hospital service, outpatient services, physician surgery services, maternity services, and emergency services all have annual coverage limits. The reason for this basic plan design is to ensure that the monthly premium is affordable for the employers and employees. It is important for members to understand with the “Exclusive Provider Network” that if they receive care for non-emergency services out of network, the members are responsible for the cost of the care.
Related Questions
- I am an MSU retiree and the members of my family are a mix of Medicare and non-Medicare enrollees. What health coverage options can I choose from?
- I am an MSU retiree with Medicare and all of my enrolled family members also have Medicare. What health coverage options can I choose from?
- What kind of health coverage do members get from WCFS?
