LANL offers insurance options

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Lab >Plan also includes wellness incentives

By Arin McKenna

Los Alamos National Laboratory has made the decision to move from an Exclusive Provider Organization (EPO) health insurance plan to Preferred Provider Organization (PPO) and High Deductible Health Plan (HDHP) options this year.
Faced with rising healthcare costs, LANL rejected options other employers are taking, such as increasing the employees’ share of premiums, changing providers or going to a single plan such as the high deductible plan Sandia National Laboratories adopted.
“What the lab decided to do was put the focus on a healthier workforce and more responsibility on us as consumers,” C.J. Bacino said.
Employees must choose between the PPO plan and HDHP options.
“The PPO is actually more robust (than the current EPO plan) because it will allow you to go out-of-network. It costs more money to go out-of-network, but there is still coverage,” Bacino, of the Human Resources Division said during one of the meetings explaining new plan options.
The PPO plan comes with an 11 percent increase in premiums, as opposed to the eight percent increase the EPO plan would have been subject to. Those choosing the HDHP plan will see premiums decrease by 19 percent.
Employee share of premiums continue to be 20 percent for the PPO plan. HDHP plans offer a 15/85 split on premiums.

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