Medical Benefits

High Deductible Health Plan (HDHP)

A more flexible plan that gives consumers the ability to select the providers that offer the maximum value. The plan:

• Has higher annual deductibles, but lower monthly premiums.
• Does not pay until after the annual deductible has been met, but
  meets the IRS requirements to qualify for the optional Health Savings Account (HSA) to set aside pre-tax dollars for eligible healthcare expenses to use towards the deductible.

HDHP Summary (pdf)

Preferred Provider Organization (PPO)

A traditional medical plan with copays and co-insurance for covered services. The plan:

• Offers lower annual deductibles, but with higher monthly premiums.
• Meets the IRS requirements to qualify for the optional Health Care Reimbursement
  Account (HCRA) to set aside pre-tax dollars for eligible healthcare expenses

PPO Summary (pdf)

Medical and mental health contacts:

Prescription drugs

Behavioral Health Partner

Health & Fitness Programs

A variety of programs to help employees establish and maintain good health are available, as well as on site Wellness Centers, and fitness classes.

The Laboratory also has an incentivised wellness program to help our employees achieve and maintain good health, managed by Virgin Pulse.  This program is also available to non-employee spouses/domestic partners. Employees and non-employee spouses/domestic partners can now embark on their fitness journey together. Financial incentives are only earned for those employees and non-employee spouse/domestic partners enrolled in the Laboratory medical plan.

BCBSNM also offers an additional fitness program membership discount.