Welcome

The health and happiness of you and your family is a high priority. Because of this, Central Bancompany offers a comprehensive benefits package to help you and your loved ones feel secure. Medical benefits are provided by United Healthcare (UHC); Prescription Drug benefits are provided by Optum Rx.

New employees become eligible for medical coverage the first day of the month following date of hire. Participants do not have to select a primary care physician and out-of-network services are available under this plan. 

Medical

You can choose from the following medical options:

  1. High Deductible Health Plan with Health Savings Account (HDHP/HSA) - As a consumer-directed health plan, this plan has the highest deductible and the lowest employee paid premium. The Health Savings Account helps offset the annual deductible in this option. Central Bancompany will help fund the Health Savings Accounts of those employees enrolled in this plan. You must open a Health Savings Account (HSA) in order for company and individual contributions to be deposited per pay period with HSA Central. New HSA participants must open a new account for Central Bancompany employee and employer contributions, deposits cannot be made into an existing HSA account from a prior plan. Visit http://hsa.centralbancompany.com/ to open and activate your HSA. 

  2. Traditional (PPO) Plan - This plan has the lowest deductibles and copays. However, it has the highest employee-paid premiums.

Preventative Care - Under both medical plan options through United Healthcare, you and your family can receive 100% coverage for in-network preventive care according to UHC’s Preventive Care Guidelines https://www.uhc.com/health-and-wellness/preventive-care. This benefit includes coverage for routine in-network physical exams, screenings, and immunizations.
Working Spouse Provision - Medical Plan: If medical coverage is available to your spouse from their employer, they must take their coverage as primary. See Provision Tab for more details.
UHC Welcome Guide

UHC Preventive Care

Prescription

The prescription drug program, administered by OptumRx, offers you  cost-effective options for complying with your doctor's strategy to keep you healthy:

  • You have access to generic drugs as well as brand name drugs.  Generic drugs can provide savings over brand drugs.

  • Your health is important and your pharmacy benefit plan includes special coverage for preventive medications, allowing you to pay a lower copay or avoid deductibles and help you comply with the doctor's plan for better health.

  • For additional savings, choose drugs that are part of the Optum Premium formulary.  Remember that some drugs require prior authorization.

  • The Rx plan has options for how you purchase your prescriptions - at a retail pharmacy or a special OptumRx retail pharmacy. Or for convenience and lower cost, you can use the mail order feature.  Specialty drugs must be purchased through BriovaRx. The Optum Rx app is the perfect place to refill prescriptions, set up home delivery, shop drug prices, locate a pharmacy and more!

Virtual Visits - When you don’t feel well, or your child is sick, the last thing you want to do is leave the comfort of home to sit in a waiting room. Now, you don’t have to. A virtual visit lets you see and talk to a doctor from your mobile device or computer without an appointment. Most visits take about 10-15 minutes and doctors can write a prescription, if needed, that you can pick up at your local pharmacy. It’s all part of your health benefits package!


UHC is Calling - UnitedHealthcare may contact you regarding a health program, a service available to you, or to offer information to help you manage or improve your health. It may seem odd to receive a call from your health plan, but it can really help connect you to resources and benefits you may not have been aware you have.


COBRA - Health plan benefits continue to the last day of the month in which you exit the company. Data will flow over to UHC COBRA Services and continuation of coverage will be offered, you have 60 days to enroll. Enrollment can be made on the UHC COBRA site, over the phone, or by completing the forms and sending them to UHC COBRA. Your plan and cards stay the same. Continuation generally runs 18 months, but some situations may have a longer period, your Summary Plan Description is the best guide for review.

Prescription Plan

COBRA Guide

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