Medical – Atlantic Packaging

Medical Insurance

Atlantic Packaging offers two medical plans administered through our Third-Party Administrator, Health Plans, Inc.

RBR Medical Plan

The RBR plan is administered by HPI and has no network. Preventive care is still covered at 100%, with no copay or out-of-pocket cost. Copays are:

$25 for primary care visits
$50 for specialist visits
$250 for the first ER visit

The annual deductible is $750 per person, and the out-of-pocket maximum is $3,000 per person. That means after you pay the first $750 in covered expenses, you’ll pay 20% of the remaining costs until you hit the $3,000 cap. For families, two members must each meet the $750 deductible and $3,000 out-of-pocket max, totaling $1,500 deductible and $6,000 out-of-pocket max for the family.

CIGNA Network Medical Plan

The Network plan, offered through HPI and using the CIGNA Network, gives you access to a broader range of providers and covers 98% of our geographic footprint but comes with higher costs due to fewer network discounts. Preventive care is still fully covered, but the rest of the costs are a bit different.

$35 for primary care visits
$75 for specialist visits
$500 for the first ER visit

The annual deductible is $1,500 per person and $3,000 per family, with an out-of-pocket maximum of $5,000 per person and $10,000 per family. Just like the RBR plan, once you meet your deductible, you’ll pay 20% of covered expenses until you hit that out-of-pocket max.

The chart below provides a brief outline of what is offered.

Cost of Coverage

Employee Contributions

	Weekly Employee Contributions
	RBR Plan			Network Plan
	Standard Rate	Wellness Rate*	Standard Rate	Wellness Rate*
Employee	$46.77	$21.51	$46.77	$21.51
Employee & Spouse	$133.18	$91.89	$133.18	$91.89
Employee & Child(ren)	$102.02	$67.34	$102.02	$67.34
Employee & Family	$240.32	$182.64	$240.32	$182.64

	Monthly Employee Contributions
	RBR Plan			Network Plan
	Standard Rate	Wellness Rate*	Standard Rate	Wellness Rate*
Employee	$206.56	$95.02	$206.56	$95.02
Employee & Spouse	$588.21	$405.87	$588.21	$405.87
Employee & Child(ren)	$450.59	$297.40	$450.59	$297.40
Employee & Family	$1,061.41	$806.67	$1,061.41	$806.67

*Wellness premiums are based on program participation

Coverage

Medical Plan Benefits	RBR Plan	Network Plan
Annual Deductible			In-Network	Out of Network
Individual	$750	$1,500	$3,000
Family	$1,500	$3,000	$6,000
Coinsurance	20%	20%	40%

Maximum Out-of-Pocket*
Individual	$3,000	$5,000	$10,000
Family	$6,000	$10,000	$20,000

Physician Office Visit
Primary Care	$25 copay	$35 copay	40% after deductible
Specialty Care	$50 copay	$75 copay	40% after deductible
Teladoc	$0 copay	$0 copay	Not Available

Preventive Care
Adult Periodic Exams	100% Covered	100% Covered	40% after deductible
Well-Child Care	100% Covered	100% Covered	40% after deductible

Diagnostic Services
X-ray and Lab Tests	100% Covered	100% Covered	40% after deductible
Complex Radiology	20% after deductible	20% after deductible	40% after deductible
Urgent Care Facility	$50 copay	$100 copay	40% after deductible
Emergency Room Facility Charges	$250 copay for first visit, then 20% after deductible for subsequent visits	$500 copay for first visit, then 20% after deductible for subsequent visits
Inpatient Facility Charges	20% after Deductible	20% after Deductible	40% after deductible
Outpatient Facility and Surgical Charges	20% after deductible	20% after Deductible	40% after deductible

Mental Health
Inpatient	20% after deductible	20% after Deductible	40% after deductible
Outpatient	$25 copay	$35 copay	40% after deductible

Substance Abuse
Inpatient	20% after deductible	20% after deductible	40% after deductible
Outpatient	$25 copay	$35 copay	40% after deductible

Other Services
Chiropractic	$50 Copay (30 visits combined with other outpatient therapies per plan year)	$75 Copay (30 visits combined with other outpatient therapies per plan year)	40% after deductible
Acupuncture	$50 Copay	$75 Copay	40% after deductible