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For Coverage Questions

Prescription drug coverage
Contact OptumRX 
Phone: 1-800-509-9891
Web: OptumRx.com

Medical coverage
Go to gehealthcarehub.com for a listing of your Health Plan Administrator's phone numbers, web sites and mobile apps

For Health Care Claims and Benefit Questions
Contact Health Coach from GE
Phone: 1-866-272-6007

For Eligibility Questions
Contact the GE Benefit Center
Phone: 1-800-252-5259

Your Rights and Protections Against Surprise Medical Bills
Learn more 

 

Plan Options

< Back to GE Health Benefits Plan Information
 

Overview


GE Health Benefits offers you three options. Choose one that meets the needs for you and your family.

My Plan Options


When choosing an option to enroll in, consider the cost you pay in payroll contributions, the cost you pay when receiving care and the savings accounts available to you.

Here is a quick comparison chart*:
Option 1 Option 2 Option 3
MEDICAL CONTRIBUTIONS
Highest		 MEDICAL CONTRIBUTIONS
Lower		 MEDICAL CONTRIBUTIONS
Lowest
ANNUAL DEDUCTIBLES and CO-INSURANCE MAXIMUMS
Lowest		 ANNUAL DEDUCTIBLES and CO-INSURANCE MAXIMUMS
Higher		 ANNUAL DEDUCTIBLES and CO-INSURANCE MAXIMUMS
Highest
SAVINGS ACCOUNT*
GE-credited HRA
Employee-funded HCFSA or Employee-funded LPFSA (dental and vision only)
 		 SAVINGS ACCOUNT*
GE-credited HRA
Employee-funded HCFSA or Employee-funded LPFSA (dental and vision only)
 		 SAVINGS ACCOUNT*
Employee-funded HSA
Employee-funded Limited Purpose FSA (dental and vision only)
 
ATTRIBUTES
You pay the most in medical contributions, but you have the lowest annual deductible and co-insurance maximum.		 ATTRIBUTES
You pay less in medical contributions than in Option 1, but your annual deductible and co-insurance maximum is higher.		 ATTRIBUTES
You pay the least in medical contributions, but you have the highest annual deductible and co-insurance maximum.
*Savings Account
HRA = Health Reimbursement Account
HCFSA = Health Care Flexible Spending Account
LPFSA = Limited Purpose Flexible Spending Account
HSA = Health Savings Account 
 

Coverage Information

With a few exceptions, your medical insurance benefits including behavioral health and prescription drug coverage start after you meet your annual deductible. For coverage details, call your plan administrator or refer to Your Benefits Handbook.     
  • Most medical services are covered at 80% of eligible expenses after you meet your annual deductible, if care is received from in-network providers.
  • For out-of-network care, services are covered at 60% of eligible expenses after you meet your annual deductible.*
  • Due to IRS regulations, an annual deductible applies to all services except preventive under Option 3.
  • Preventive screenings are covered at no cost, in-network under each plan option.
*Additional out-of-network provider billed charges may apply.
 
Preventive screenings and services, as recommended by the U.S. Preventive Services Task Force (USPSTF), are covered 100% in-network, not subject to the annual deductible. Medical necessity, frequency, condition, gender and/or age restrictions may apply. You should always ask your doctor if the screenings performed for or during your physical exam are consistent with the U.S. Preventive Services Task Force recommendations and subsequently covered at 100%. If you have questions, please contact your health plan administrator for additional details. Preventive services are not covered out-of-network. Additional preventive prescription drug information can be found on the Prescription Drug page.

For a printer friendly version of preventive care services, click here. This list is not all inclusive.  If you have any questions about preventive care coverage, contact your plan administrator for more information.
All three options provide the same basic prescription coverage once you meet your annual deductible. Visit optumrx.com to understand prescription drug costs, history, and savings opportunities.

Drug costs displayed are estimates and may vary based on the specific quantity, strength and/or dosage of the medication, the order in which you purchase your prescriptions, and the pharmacy you use.
 
Learn more about your Prescription Drug Coverage.
 
Optum Behavioral Health administers behavioral health and substance use benefits for all GE Health Benefit plans. Optum offers a large network of psychiatrists, psychologists, certified addiction counselors, social workers, hospitals and treatment centers. Learn more.

Policies

For information on savings account details or for eligibility information regarding your eligible spouse and dependents refer to Your Benefits Handbook – Health, Life Insurance, Disability, and Other Benefits.  

 

Actions


What plan may be best for you?
Personal profiles help you determine which option would fit you and your family’s needs. Consider past and future medical expenses. Visit your plan administrator’s site to view prior history and make informed decisions.