STATE AND PUBLIC SCHOOL HEALTH INSURANCE
Summary of Benefits and Coverages
Find a Participating Provider
The state and public school's health insurance plan is provided through Blue Cross Blue Shield of Mississippi. The plan provides two types of coverage from which active employees, COBRA participants, non-Medicare eligible retirees, and non-Medicare eligible surviving spouses can choose: Base Coverage and Select Coverage.
Participates may choose any covered participating or non-participating provider, primary care or specialist; however, using providers that participate in the Network provides participants the maximum benefits available through the Plan. Participates choosing to use providers that do not participate in the Network are responsible for paying any fees charged over the allowable charge, in addition to paying a higher annual deductible (for those participants under Select Coverage) and higher coinsurance amounts for covered services. To find a participating provider, participants can access the Network directory through the Plan's website at www.knowyourbenefits.dfa.state.ms.us or may call the Network at the telephone number listed in the Plan Document. Provider participation in the Network may change from time to time. It is important for participants to verify provider participation prior to receiving services.
Prescription Drug Program
The plan includes a co-payment program for prescription drugs. An enrollee must elect health insurance coverage in order to participate in the prescription drug program. Refer to the Plan Document for information on the Base and Select Coverage deductibles, Co-payments, Mail Order Service, Generic Drugs, Preferred Band Drugs, etc located in the Plan Document at www.knowyourbenefits.dfa.state.ms.us.
To be covered under the Plan, prescription drugs must be prescribed by a physician, dispensed by a licensed pharmacist, and found to be medically necessary for the treatment of the participant's illness or injury. Participants may purchase medically necessary prescription drugs at participating retail pharmacies, through the Catalyst Rx mail order service, or through the dedicated specialty pharmacy program. Coverage for prescription drugs purchased at a retail pharmacy or through the mail order service is limited to a 90-day supply. Coverage for prescription drugs purchased through the specialty pharmacy program is limited to a 30-day supply.
When a prescription drug is purchased at a participating retail pharmacy, the participant is only required to pay the appropriate co-payment amount (after the applicable deductible is met) or the cost of the drug, whichever is less. There is no claim form to file. When a prescription drug is at a non-participating pharmacy, the participant must file a claim with Catalyst Rx. Payment of the claim will be made based upon the Plan's allowable charge. The participant is responsible for any amount in excess of the allowable charge, plus the applicable deductible and/or co-payment.