The CARE Health Plan offers a secondary plan for BNSF employees and dependents whose primary coverage is through Aetna US Healthcare, Cigna, Highmark, United Healthcare Plan GA23000, United Healthcare Plan GA107300, and United Healthcare 0690100.

Plan #3000 will reimburse you for up to $350 of your deductible in full for covered services, with the remainder of the deductible (if applicable) being reimbursed at 20%. CARE will reimburse you for the difference between the Amount Allowed* and the Amount Paid by your primary carrier, not to exceed 20%. For members covered under a Managed Care Plan, CARE will reimburse you for any copayments charged by the Primary carrier. Should you receive medical services from an Out-of-Network provider through your Primary plan, CARE will reimburse you for the difference between the Amount Allowed and the Amount Paid by your Primary carrier, not to exceed 20%. The annual limit for this plan is $3,350 (including the deductible).

With Railway employees being responsible for more out-of-pocket these days, including deductibles, coinsurance, copayments, or similar charges, it pays to have a supplement that can help you. CARE is currently having an Open Enrollment for Plan #3000, therefore, feel free to share this news with your fellow coworkers and their families.

PLAN #3000 MEMBERS – HOW TO FILE YOUR CLAIMS TO CARE

If you currently have Plan #3000, we are sharing the steps for filing a claim with CARE for you to get reimbursed:

• When you go to your doctor’s appointment be prepared to pay your copayment, deductible, or coinsurance at the time of your visit.
• Once your provider has filed to your primary insurance carrier (United Healthcare, Aetna, or Highmark Blue Cross / Blue Shield) you will receive an Explanation of Benefits (EOB) in the mail.  If you are set up online with your insurance carrier you can access your EOB when available.
• It is important that your name or your dependents name is on the EOB if you access them from your Primary insurance online portal.
• EOB’s may be mailed to PO Box 6130, Temple, Texas 76503-6130; faxed to 254.774.7652 or emailed to lindsyh@carehealthplan.com.
• CARE will process your EOB within 7 business days of receipt and a check will be mailed to you the week after your claim is processed.
• After you receive your payment, you will need to pay your provider if you did not do so at the time medical services were provided.