Medical & Prescription Drug Plans

Select PPO and Choice PPO Prescription Drug Coverage
Coverage Levels (Tiers) Ask for Generics
Monthly Premiums Caremark FastStart program
National network of health care providers (PHCS Healthy Directions) Flexible Spending Account (FSA)
Medical Plan and Prescription Drug ID Cards

 

Select PPO and Choice PPO

Whether you are sick or injured, your medical coverage is one of your most valuable benefits. St. Jude pays a major portion of the expenses for your medical coverage through the Select PPO and Choice PPO options. Principal and Caremark administer the medical and prescription drug plans, respectively.

While both plans have the same covered services and feature in-network and out-of-network coverage, the main differences are the cost structures of the plans. The PPO plans have different copays, deductibles, out-of-pocket maximums and premiums; giving you the opportunity to select a plan based on how you and your family use your medical benefits. That is, you choose when and how you want to pay for your health care costs.

  • Select PPO—less at the doctor’s office: more monthly premiums
    When you choose care through the Select PPO, you pay higher monthly premiums but less out-of-pocket expenses when you use the plan for treatment and services throughout the year. This plan might appeal to you if paying higher premiums for the peace of mind of having less out-of-pocket costs than the Choice PPO is important to you.
  • Choice PPO—less monthly premiums: more at the doctor’s office
    When you select care through the Choice PPO, you pay lower monthly premiums, but more out-of-pocket when you use the plan for treatment and services throughout the year. This plan might appeal to you if lower monthly contributions are important.

Health Plan Benefits-At-A-Glance (pdf)

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Coverage Levels (Tiers)

For medical coverage, you can choose from four levels (tiers) of coverage or waive coverage:

Medical Coverage Level Who’s covered
Employee Only Yourself only
Employee + Child(ren) Yourself and your child(ren)
Employee + Spouse Yourself and your spouse
Employee + Spouse + Child(ren) Yourself, your spouse and your children

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Monthly Premiums

You and St. Jude Children’s Research Hospital share the costs of your medical coverage; St. Jude pays approximately 80%. Your premiums are deducted from 24 paychecks per year on a pre-tax basis. When you pay with pre-tax dollars, you receive a tax break because the money is deducted before federal income taxes and Social Security taxes. The table below shows your monthly contributions if you choose coverage under the plans. The annual costs for the benefit options vary depending on the plans and coverage levels (tiers) you choose.

2010 Benefits
Your Monthly Premium
 Monthly COBRA Rates1
Medical—Select PPO Full-time Part-time  
Employee only $48 $96 $495
Employee + Child(ren) $97 $194 $944
Employee + Spouse $116 $232 $1,187
Employee + Spouse +  Child(ren) $145 $290 $1,580
Medical—Choice PPO Full-time Part-time  
Employee only $28 $56 $458
Employee + Child(ren) $58 $116 $871
Employee + Spouse $75 $150 $1,100
Employee + Spouse +  Child(ren) $86 $172 $1,466
1This is the full cost of coverage if you or one of your dependents loses coverage under the plan and becomes eligible for COBRA.

 

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New national network of health care providers (PHCS Healthy Directions)

Now you can access lower-cost, quality healthcare when you're outside the Memphis area. Principal Financial Group has teamed up with Private Healthcare Systems' Healthy Directions (PHCS HD) network, which will give plan members access to high quality healthcare providers across the country. Employees using this network outside of the Memphis area--which includes Shelby, Fayette and Tipton counties in Tennessee; Desoto and Tunica counties in Mississippi; and Crittenden County in Arkansas--will be reimbursed at the in-network level. To find a provider 24 hours a day, seven days a week, through the PHCS Healthy Directions network, call 1-800-241-6350.

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Medical Plan and Prescription Drug ID Cards

Your Medical Plan ID card will also serve as your Prescription Drug Card. This card will show the telephone numbers to call if you have a question about your coverage or need to pre-certify a service or procedure. To protect your privacy, you will receive a unique ID number. However, you may provide your social security number to verify benefits if you prefer.

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Prescription Drug Coverage

You probably know from your own experience that the cost of prescription drugs continues to rise dramatically. To help keep your medical expenses as low as possible, the PPO options include a prescription drug program administered by Caremark. When you enroll in either PPO option, you automatically receive prescription drug coverage.

Both PPO options include copays for retail and mail-order drugs as shown in the Health Plan Benefits At-A-Glance chart. You may prefer to use mail order for maintenance medications, such as those needed for the ongoing treatment of diabetes, high blood pressure or arthritis, for example.

There are two types of prescription drugs: generic and brand name. Generic drugs are the ‘therapeutic equivalent’ of a brand name drug, containing identical active ingredients. Generic drugs have the lowest copays.

Prescription Drug Plan Co-pays (in network)*
Retail (31-day supply)
Mail Order (90-day supply)
Generic
$5
$10
Brand
$25
$50
If you choose to purchase a brand name medicine when a chemically equivalent generic is available, you will pay $50 for a retail (31-day) supply and $100 for mail order (90-day) supply.
*No out-of-network coverage available

For more information about the program or for a list of participating pharmacies, you can visit www.caremark.com and choose “national plan.”

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Ask for Generics

You probably know from your own experience that the cost of prescription drugs continues to rise dramatically. To help keep your medical expenses as low as possible, both PPO options include a prescription drug program administered by Caremark. When you enroll in either PPO Plan, you automatically receive prescription drug coverage.

Each time you fill a prescription, you could save money by asking for a generic medicine.

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Caremark FastStart Program

Do you refill prescriptions monthly? Mail Order will save you time and money. Sign up for mail service and enjoy the convenience of prescriptions delivered directly to you. Caremark’s FastStart® can make it easy—and less expensive—for you to get the medications you take on a regular basis, such as those for managing high blood pressure, cholesterol, and diabetes.

Three easy ways to get started:

Option 1: Internet—Go to www.caremark.com/ers and register or sign in. Click “Start a New Prescription,” located to the left of the page, and then click “FastStart.”

Option 2: Phone—Call toll-free (800) 875-0867 Monday–Friday from 7 a.m. to 7 p.m.

Option 3: Physician—Give your doctor the toll free FastStart physician number, (800) 378-5697, and ask your doctor to call in a 90-day prescription.

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Flexible Spending Account (FSA)

Flexible spending accounts help you pay for certain health care and dependent care expenses that are not covered by the medical, dental or vision plans—copays, coinsurance and amounts above benefit maximums to name a few. Likewise, many people have regular daycare expenses for dependent children.

Both the health care and dependent care spending accounts are administered by Principal Financial Group. These flexible spending accounts provide tax advantages by letting you set aside pre-tax dollars to pay certain health care and dependent care expenses.

Learn more about FSAs.

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