Answers to Frequently Asked Questions
Depending on the medical plan being offered, you
may qualify for additional discounts when visiting network
providers. This will allow you and your covered family members to
save money the next time you visit a doctor, dentist or vision care
provider. Discount networks are just another way Star HRG is working
to help you maximize your health care benefits and minimize your
out-of-pocket expenses.
Discount networks available may vary by employer selected options.
With Starbridge Select you can choose your own hospital. Most
hospitals will bill Starbridge Select directly for any charges you
incur. However, on occasion, some facilities may ask you to pay the
entire cost of your services up front. In this case, you can file a
claim with Starbridge Select for reimbursement of these costs up to
your Maximum Benefit Amount.
The emergency room is designed for emergency medical situations, use your benefits wisely. If you go to the emergency room for the flu, common cold or other ailments that can be treated at a regular physician's office, you will pay a $100 deductible as well as 50% of the total cost of the emergency room visit. This can cost you as much as $300 and quickly use up a large portion of your benefits! See the chart below for an example.
| Emergency Room Visit | Doctor's Office Visit |
| $100 Deductible | $15 Co-Pay* |
| $200 Patient Responsibility* | |
| You pay up to $300 | YOU PAY ONLY $15! |
*Can vary depending on which plan you choose.
Remember: In a life-threatening emergency always dial 911 first!
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Star HRG has formed a partnership with a leading
provider discount network. Beech Street gives insureds access to
provider discounts that help stretch their benefit dollars further.
By selecting a provider from this network, insureds may be eligible
for upfront discounts on outpatient and inpatient services. This
also provides easy access to licensed doctors nationwide, although
there is no penalty for visiting providers out-of-network. Beech
Street logos are printed on the insured’s ID card for quick and easy
network identification at the provider office. If the insured does
not visit a Beech Street provider, they may still be eligible for a
discount from one of the Concentra Network Services’ wrap networks.
All savings are passed directly to the insured.
To learn more about the Beech Street discount network, please visit
www.beechstreet.com.
*Each covered person will be automatically enrolled in the ScriptSave Select program. This national network includes over 52,000 pharmacies that offer discounted brand name and generic prescriptions.
The program provides online access to information that will assist employees in quickly locating a convenient participating pharmacy. There are four easy to use pricing tiers:
Tier 1: Includes drugs that are $10 or less
Tier 2: Includes drugs that are between $10.01 and $20.00
Tier 3: Includes drugs that are between $20.01 and $50
Tier 4: Includes all drugs over $50
ScriptSave Select saves an average of more than 20% on your brand and generic prescriptions.
Click here to access the ScriptSave Select Discount Prescription Network. Be sure to enter the "T" code located under the ScriptSave Select logo on your insurance ID card when logging in. If you have not yet received your insurance ID cards, call 1-866-225-3554 for assistance.
*Actual discounts available to covered persons may
vary by employer selected options.
**ScriptSave Select is a discount program only. It is not insurance.
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With over 26,000 participating dentists, the
CAREINGTON Dental Network offers one of the largest independent
provider panels in the country. It also gives some of the deepest
fee reductions – two to three times larger than other dental service
companies.
Click here to learn more about the CAREINGTON Dental Network.
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With the Dental Plan, you'll also receive discounted vision care. You and your family will be enrolled in the Vision One Network which is honored at more than 6,500 locations nationally. You'll save on all eye care needs including eye exams, frames, lenses and contacts. You'll save up to 60% on frames and lenses and up to $10 on eye examinations. This discount program is not insurance.
Click here to find a list of participating vision care centers.
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You and your family will have access to Care24, a
trusted source of information and support for health, emotional and
personal challenges. By calling the Care24 toll-free number, you'll
have unlimited access to speak with a registered nurse, legal and
financial professionals, counselors, community resources, an audio
health information library, access to dependent care and other
specialists that can help you with guidance and counseling over the
phone. Care24 is available 24/7 and provides you up to three
confidential, face-to-face counseling appointments to help you
maintain a balance between work, family and other personal
responsibilities.
Click
here to learn more about Care24.