Medical plans

The HMO plan has low deductibles and modest co-pays but provides limited out-of-network coverage. You must select a Primary Care Physician (PCP) for each covered family member to meet your primary healthcare needs. Members who see a PCP other than their designated or selected PCP may be denied coverage and/or delay claim payment.

The CDHP plan is health coverage, plus a health savings account rolled into one. This is a consumer-driven health plan that gives members more control over how health care dollars are spent.

This plan offers a large choice of physicians and hospitals and provides out-of-network benefits. You do not need a Primary Care Physician (PCP) to manage your care. The CDHP plan has a yearly deductible which must be met before full benefits are paid. Once the deductible has been met, most services are covered at 85%

Employees who elect the CDHP plan receive access to a Health Savings Account (HSA) to which Lynn contributes $1,000 per year for employee-only plans and $2,500 per year for all others. In addition, employees may make their own pre-tax contributions. The combined employee and employer contribution limits can be found here.

By using an HSA to pay for deductibles, co-pays, coinsurance, and some other medical expenses, you may be able to lower your overall health care costs.

Like the CDHP, this plan offers a large choice of physicians and hospitals and provides out-of-network benefits. You do not need a Primary Care Physician (PCP) to manage your care. If you go to an out-of-network provider the plan will pay lower benefits. The PPO plan has a yearly deductible and/or co-pays that must be met before full benefits are paid.

The premiums listed below are biweekly amounts automatically deducted from your paycheck twenty-six pay periods per year.

A deductible is the amount you pay each calendar year toward the cost of medical expenses before most of the medical plans begin paying benefits. You may have an individual, per person deductible to meet, or a family deductible that you pay for all of your covered family members combined. Additionally, if you are enrolled in a plan that requires use of a network, you will likely have a separate in-network and out-of-network deductible.

A co-pay is a flat rate fee that you pay for each visit with an in-network provider. Any remaining charges for that visit are usually covered in full by your medical plan

Coinsurance is the percentage of a medical expense paid by either you or your medical plan. For example, the plan may pay 85% of a $1,000 medical procedure. Your responsibility (coinsurance) would be the remaining 15%. The coinsurance applies after you meet any plan deductibles.

The out-of-pocket maximum is the most you or your enrolled dependents will pay toward covered medical expenses in a calendar year. The in-network and out-of-network annual out-of-pocket maximums are separate and not combined.

A maximum lifetime benefit is the most a medical plan will pay for an individual over his or her lifetime. The maximum lifetime benefit for all three medical plans for in- and out-of-network is unlimited.

The lifetime maximum benefit includes benefits paid for mental health and chemical dependency treatment but excludes prescription drug benefits.

When you enroll in a medical plan, an ID card will be mailed to your home. You need to present this card whenever you visit your doctor, medical facility or participating pharmacy for services. If you do not receive an ID card a month after enrolling, or you need additional or replacement ID cards, call Florida Blue at +1 888-476-2227 or visit floridablue.com.

When you visit a Florida Blue network provider, claims will be handled by that provider. You simply pay your co-pay when you receive services. For services that you pay a percentage of the fee, Florida Blue will send you an Explanation of Benefits after the claim is processed that will tell you how much of the bill you owe.

When you visit an out-of-network provider for medical services, either you or your doctor must file a claim to receive benefits from the plan.

Employees and dependents who are enrolled in a Lynn University medical plan are automatically enrolled in Florida Blue's prescription drug plan.

Pharmacies participating in the Florida Blue network include a variety of independent pharmacies, as well as local and national chains. And, to save even more money and time you can use Florida Blue's home delivery service for non-speciality medication.

When you visit a participating pharmacy simply present your Florida Blue ID card at the time you are ordering your prescription and make the necessary co-pay and/or deductible.

Florida Blue regularly looks at drug options to make sure they are safe and cost-effective. Some drugs may require prior authorization. When prescriptions are not covered by the plan, you may pay full price to get them filled.

Copays for covered over-the-counter (OTC) and prescription drugs are listed below.

To find a listing of participating pharmacies, you can contact Florida Blue Member Services or visit FloridaBlue.com.

Visit floridablue.com for more tools and information. Or contact Florida Blue Member Services at +1 888-476- 2227.