BayCare Health System Employee Benefits and Health Plan Programs

The provided source material is insufficient to produce a 2000-word article about free samples, promotional offers, or consumer freebies as requested. The source data pertains specifically to BayCare Health System's employee benefits programs and Medicare Advantage health insurance plans, not to product sampling or promotional offers in categories such as beauty, baby care, pet products, food, or household goods.

Below is a factual summary based on the available data regarding BayCare Health System's employee benefits and health plan offerings.

Employee Benefits Overview

BayCare Health System, established in 1997 as a not-for-profit healthcare system serving the Tampa Bay and central Florida regions, offers comprehensive benefits to its team members. The organization reported over 29,000 employees as of 2019 and provides an extensive benefits package designed to support both personal and professional needs.

The flexible benefits program allows eligible employees to access various insurance and assistance programs. Core health coverage includes medical insurance, health insurance, dental insurance, life insurance, and dependent life insurance. Financial protection options encompass supplemental life insurance, occupational accident insurance, disability insurance (both short-term and long-term), and accidental death and dismemberment insurance.

Additional Support Programs

Beyond traditional health insurance, BayCare offers several specialized benefits. Mental health care services provide support for employees' psychological well-being. Hospital indemnity insurance offers additional financial protection for hospital stays. The organization also provides supplementary coverage options including auto insurance, identity theft protection, legal plans, pet insurance, and travel assistance.

Financial wellness is supported through 401(k) plans, retirement planning, and performance bonuses. Work-life balance initiatives include vacation and paid time off, paid holidays, sick days, fertility assistance, and adoption assistance. The company also offers childcare support, bereavement leave, and health coaching programs.

Additional perks include company social events, employee discounts, and an Employee Assistance Program available at 800-878-5470 for confidential support services.

Medical Plan Administration

BayCare Health System operates a self-insured medical plan in partnership with Cigna. The plan features the BayCare Exclusive Network, which emphasizes using BayCare Health System facilities and providers with privileges at BayCare facilities. This network approach allows BayCare to provide services at reduced costs, generating savings for both the medical plan and its members. For questions about the medical plan, Cigna can be reached at 877-229-4942.

Medicare Advantage Plan Details

BayCare Health Plans offers BayCarePlus Rewards, a Medicare Advantage plan (HMO) that includes comprehensive coverage. The plan provides various out-of-pocket costs for healthcare services:

Primary care visits have no copay, while specialist visits require a $25 copay. Emergency room visits have a $125 copay, and urgent care visits also require a $125 copay. Inpatient hospital coverage operates on a tiered system with $200 per day for days 1-5 and $0 per day for days 6-90, up to $0 per stay. Outpatient hospital coverage ranges from $0 to $225 copay depending on the service.

Rehabilitation services, including occupational therapy, have a $25 copay. Skilled nursing facility coverage includes $0 per day for days 1-20 and $172 per day for days 21-100. Mental health services are covered with $20 copay for outpatient group therapy and $25 copay for individual therapy.

Prescription Drug Coverage

The BayCarePlus Rewards plan includes prescription drug coverage with specific cost-sharing structures. The plan has a $90 annual Part D deductible. Drug tier costs include $0 copay for preferred generic medications, $10 copay for generic drugs, and $47 copay for preferred brand medications. Non-preferred drugs require 33% coinsurance, while specialty tier medications require 32% coinsurance. Mail order services are listed as "coming soon."

Wellness and Preventive Services

The plan emphasizes preventive care with $0 copay for annual wellness exams and fitness benefits. Telehealth services range from $0 to $25 copay. Over-the-counter drug benefits are covered at $0 copay. The plan does not cover routine chiropractic care, health education, counseling services, or non-emergency health transportation.

Plan Ratings and Performance

The Centers for Medicare & Medicaid Services recognizes this plan as H2235-002-0 and uses a 5-star rating system to evaluate health and drug plans. This rating system provides insights into quality of care, member satisfaction, and overall plan performance to help beneficiaries make informed decisions.

Conclusion

The available source material focuses on BayCare Health System's employee benefits programs and Medicare Advantage health insurance offerings rather than consumer free product samples or promotional offers. The information demonstrates BayCare's commitment to supporting employees through comprehensive benefits packages and providing Medicare beneficiaries with structured, predictable healthcare costs through their Medicare Advantage plan.

For information about free product samples, promotional offers, or consumer freebies in the categories mentioned (beauty, baby care, pet products, food, household goods), different sources would be required as the provided data does not contain such information.

Sources

1. BayCare Health System Contact and Company Information
2. BayCarePlus Rewards HMO Medicare Advantage Plan Details
3. BayCare Health System Medical Plan Information
4. BayCare Health Plans Medicare Advantage Plan H2235-002-0