Medical
CareFirst Administrators EPO Plan
- Members have access to the national Blue ChoiceNetwork.
- Members are not required to appoint a Primary CarePhysician (PCP) and do not require referrals to see specialists.
- Care outside of the United States is limited to emergency or urgent care only.
- Pre-certification may be required for some services. Be sure to verify with your provider before performing services otherwise a penalty could apply.
- All copays, coinsurance, deductibles and prescriptions for covered services accumulate towards the out-of-pocket limit.
HRA Details
All eligible employees who participate in Fello’s EPO medical insurance plan will be automatically enrolled in a Health Reimbursement Arrangement
(HRA) plan. A HRA is an IRS-approved, employer-funded plan that reimburses employees for out-of-pocket medical expenses that apply to the deductible.
As an added benefit for employees, Fello will fund the full deductible as outlined below to help pay for deductible expenses.
Individual: $2,000
Employees and their covered dependents: $4,000
CareFirst Administrators EPO
Below is a snapshot of your total rewards. The rewards summary from the carrier will always prevail.
Benefits | In-Network |
|---|---|
Annual Deductible Individual/Family (embedded) | $2,000 / $4,000 (100% funded by Fello) |
Annual Out-of-Pocket Limit Individual/Family (embedded) | $5,000 / $10,000 |
Preventative Care Well Child Care, Adult Physical, Routine GYN Visits, & More | No Charge |
Office Visits Primary Care Physician (PCP) Specialist MDLive Telehealth Convenience Care | $15 copay $25 copay No charge $25 copay |
Diagnostic Services Labs X-Ray Advanced Imaging | $15 copay $15 copay $150 copay |
Emergency and Urgent Care Urgent Care Center Hospital Emergency Room Non-Emergency Hospital Emergency Room | $30 copay Ded., then $200 copay Ded., then $400 copay |
Hospitalization Inpatient Hospital Services Outpatient Hospital Services | Ded., then $250 copay Ded., then $150 copay |
Prescription Deductible Generic Drugs (30 day / 90 day) Preferred Brand Drugs (30 day / 90 day) Non-Preferred Brand Drugs (30 day / 90 day) Specialty Drugs (30 day) | $0 $5 copay / $12.50 copay $35 copay / $87.50 copay $60 copay / $150 copay $75 copay |
General Prescription Plan: Liviniti
Liviniti is the Pharmacy Benefit Manager for Fello’s health plan. Liviniti has a national network of retail and independent pharmacies where you can fill your prescriptions. The network includes chains and independent pharmacies. Register for your account to access pharmacy locator, drug listing, mail order pharmacy, specialty pharmacy, prescription history and member resource library.
Register for Your Account
Register for your online account following the steps below:
- Visit liviniti.com
- Navigate to “Members”
- Select “Member Portal” and create an account.
- Enter the required information and click “Save”.
First Choice Pharmacy
Members of Livinti have access to reduced prescription costs at participating first choice pharmacies. Take advantage of these reduced Rx costs by using the Pharmacy Locator.
Medical Contributions
If you choose to enroll in Fello’s CareFirst Administrators EPO Plan, below are the amounts that will be payroll deducted for the coverages you select. Once you enroll, you’ll need to wait until open enrollment or experience a qualifying event to change your selection. If you have additional questions concerning tax implications, please consult with the People & Culture or a tax professional.
Weekly Contributions for Non-Exempt, Hourly Employees
The amounts are listed below on a weekly basis for non-exempt, hourly employees.
Plan | Employee | Employee & Children | Employee & Adult | Family |
|---|---|---|---|---|
Carefirst Administrators EPO | $41.83 | $96.88 | $120.33 | $146.41 |
Bi-Weekly Contributions for Exempt, Salaried Employees
The amounts are listed below on a bi-weekly basis for exempt, salaried employees.
Plan | Employee | Employee & Children | Employee & Adult | Family |
|---|---|---|---|---|
Carefirst Administrators EPO | $83.67 | $193.77 | $240.65 | $292.83 |
Pharmacy Programs
Fello’s Preferred Concierge Pharmacy
Haloscrips
Fello has partnered with HaloScrips Pharmacy to bring you a revolutionary new program for our employees taking multiple maintenance medications. HaloScrips is a mail order, concierge pharmacy located in Memphis, TN that serves patients across the country. Eligible members can sign up with HaloScrips for their maintenance medications at no charge. Members will benefit from $0 generic, brand, and specialty medications shipped directly to your door.
Who is Eligible for Haloscrips?
HaloScrips Pharmacy is designed for members who are taking multiple maintenance medications. HaloScrips Pharmacy is able to fill and source chronic generic, brand, and specialty medication. Medications are mailed on a scheduled quarterly basis directly to your home address. It’s important to note that only maintenance, ongoing medications are eligible to be filled with HaloScrips Pharmacy. Acute medications like antibiotics or controlled substances are not eligible. You’re able to work with your local retail pharmacy to pick up those medications. As a reminder, choose firstchoice pharmacies to keep your Rx costs at a minimum.
Why Haloscrips?
HaloScrips is a pharmacy built on concierge customer service. You can call/text your pharmacist to discuss any questions related to your existing medications or new prescriptions. The best part is there are no copays for your medications and no postage fee!
How do I get started?
Eligible members will receive a welcome email inviting you to sign up if you qualify for HaloScrips. You can also call HaloScrips directly or vist the website.
(800) 901−4195 | haloscrips.com
Variable Copay
The Variable Copay™ Program is designed to combat the rising cost on high cost medications. The Variable Copay™ Program uses coupons provided by the manufacturer to greatly reduce costs for eligible medications. If your medication has a Variable Copay Opportunity and you try to fill your medication at a retail pharmacy, the pharmacy will get a rejection message stating “Variable Copay Opportunity Available”. This does not mean your medication is not covered but instead means your medication is eligible for a manufacturer coupon that will reduce the cost to you. All medications that are eligible for the Variable Copay™ Program will be filled through the CRx Specialty Solutions Pharmacy. Below is a sample of medications included in this program. Your copay may be drastically reduced.
- Copaxone
- Dupixent
- Entyvio
- Humira
- Humulin 500
- Novolog
- Trulicity
- Vivitrol
- Xolair
- Prolia
- Stelara
- Triumeq
- +250 other Variable Copay Medications
Family Planning With Kindbody
Employees who participate in Fello’s medical insurance plan will be enrolled in the KindBody Family Planning and Infertility Total Reward.
There are many different fertility and family-building journeys, whether you are looking to start your family today or preserve your options for the future. Kindbody provides end-to-end fertility services with a dedicated Care Navigation Team to guide you through your journey and coordinate the full-spectrum of rewards available to you and your covered family members.
Your Kindbody Total Rewards
- Up to 1 full KindCycle with fertility medication through Schraft’s Pharmacy
- Up to $15,000 for reimbursement of eligible donor, surrogacy and adoption services
- Dedicated Care Navigation Team
- Access to Kindbody’s full suite of services and network of partner clinics
- White-glove guidance for care path
- Live & virtual events
- A personalized patient portal
How To Get Started with Kindbody
- Head to kindbody.com/activate-kindbody-benefit
- Create your Kindbody account using any email address
Confirm Eligibility by entering your Access Code KINDFELLO and your Unique ID (this is your email address you have on file with Fello)