Benefits » Health Insurance
Contact LANL's BCBSNM on-site advocate with questions regarding claims, eligible expenses and plans.
Medical Benefits Summary 2010 (pdf)
This plan helps keep costs in control by restricting coverage to in-network doctors and facilities (except in the case of emergency or prior medical approval). You are responsible for a $20 co-payment for in-network office visits. Any additional costs (for example: diagnostic X-rays or lab work) are subject to deductible and co-insurance. For specific details on the plan design, please see the EPO summary chart (pdf).
This plan helps keep costs in control by paying a more substantial benefit for services that are rendered with in-network doctors and facilities. Out-of-network services are covered at a reduced amount, and subject to Blue Cross Blue Shield of New Mexico’s allowable cost. Like the EPO, you are responsible for a $20 co-payment for in-network office visits. Any additional costs (for example: diagnostic X-rays or lab work) are subject to deductible and co-insurance. For specific details on the plan design, please see the PPO summary chart (pdf).
This type of plan is known as a consumer-directed health plan – it places greater control of healthcare expenditures in the hands of the plan participant. The Laboratory contributes one-half of your total deductible into a Health Reimbursement Account, or HRA. Until this HRA is exhausted, you pay nothing out of pocket for eligible services. If the HRA is exhausted, then you must pay the remainder of the deductible. After the deductible has been met, you are responsible to pay 10 percent co-insurance for eligible services. If there are any funds remaining in your HRA at the end of the plan year, that money will be rolled over into the next plan year’s HRA (subject to a three-year maximum roll-over). For details on the plan design, please see the CDHP summary chart (pdf).