Medical – Atlantic Packaging

Medical Insurance

Atlantic Packaging offers two medical plans administered through our Third-Party Administrator, Health Plans, Inc.

RBR Medical Plan

The RBR Medical Plan will remain unchanged. Preventive care is still covered at 100%, with no copay or out-of-pocket cost. Copays are:

$25 for primary care visits
$50 for specialist visits
$250 for the first ER visit

The annual deductible is $500 per person, and the out-of-pocket maximum is $2,500 per person. That means after you pay the first $500 in covered expenses, you’ll pay 20% of the remaining costs until you hit the $2,500 cap. For families, two members must each meet the $500 deductible and $2,500 out-of-pocket max, totaling $1,000 deductible and $5,000 out-of-pocket max for the family.

CIGNA Network Medical Plan

The Network Medical Plan, offered through HPI and using the CIGNA Network, gives you access to a broader range of providers and covers 98% of our geographic footprint but comes with higher costs due to fewer network discounts. Preventive care is still fully covered, but the rest of the costs are a bit different.

$35 for primary care visits
$75 for specialist visits
$500 for the first ER visit

The annual deductible is $1,500 per person and $3,000 per family, with an out-of-pocket maximum of $5,000 per person and $10,000 per family. Just like the RBR plan, once you meet your deductible, you’ll pay 20% of covered expenses until you hit that out-of-pocket max.

The chart below provides a brief outline of what is offered.

Cost of Coverage

Employee Contributions

	Weekly Employee Contributions
	RBR Plan			Network Plan
	Standard Rate	Wellness Rate*	Standard Rate	Wellness Rate*
Employee	$43.02	$19.79	$43.02	$19.79
Employee & Spouse	$122.52	$84.54	$122.52	$84.54
Employee & Child(ren)	$93.85	$61.95	$93.85	$61.95
Employee & Family	$221.08	$168.02	$221.08	$168.02

	Monthly Employee Contributions
	RBR Plan			Network Plan
	Standard Rate	Wellness Rate*	Standard Rate	Wellness Rate*
Employee	$186.44	$85.76	$186.44	$85.76
Employee & Spouse	$530.91	$366.33	$530.91	$366.33
Employee & Child(ren)	$406.70	$268.43	$406.70	$268.43
Employee & Family	$958.01	$728.09	$958.01	$728.09

*Wellness premiums are based on program participation

Coverage

Medical Plan Benefits	RBR Plan	Network Plan
Annual Deductible			In-Network	Out of Network
Individual	$500	$1,500	$3,000
Family	$1,000	$3,000	$6,000
Coinsurance	20%	20%	40%

Maximum Out-of-Pocket*
Individual	$2,500	$5,000	$10,000
Family	$5,000	$10,000	$20,000

Physician Office Visit
Primary Care	$25 copay	$35 copay	40% after deductible
Specialty Care	$50 copay	$75 copay	40% after deductible
Teladoc	$0 copay	$0 copay	Not Available

Preventive Care
Adult Periodic Exams	100% Covered	100% Covered	40% after deductible
Well-Child Care	100% Covered	100% Covered	40% after deductible

Diagnostic Services
X-ray and Lab Tests	100% Covered	100% Covered	40% after deductible
Complex Radiology	20% after deductible	20% after deductible	40% after deductible
Urgent Care Facility	$50 copay	$100 copay	40% after deductible
Emergency Room Facility Charges	$250 copay for first visit, then 20% after deductible for subsequent visits	$500 copay for first visit, then 20% after deductible for subsequent visits
Inpatient Facility Charges	20% after Deductible	20% after Deductible	40% after deductible
Outpatient Facility and Surgical Charges	20% after deductible	20% after Deductible	40% after deductible

Mental Health
Inpatient	20% after deductible	20% after Deductible	40% after deductible
Outpatient	$25 copay	$35 copay	40% after deductible

Substance Abuse
Inpatient	20% after deductible	20% after deductible	40% after deductible
Outpatient	$25 copay	$35 copay	40% after deductible

Other Services
Chiropractic	$50 Copay (30 visits combined with other outpatient therapies per plan year)	$75 Copay (30 visits combined with other outpatient therapies per plan year)	40% after deductible
Acupuncture	$50 Copay	$75 Copay	40% after deductible