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.
For Precertification and Utilization Review, members in this Plan MUST follow the criteria established by the Primary Carrier.
The annual limit for Plan #3000 is currently $2,200. Therefore, Plan #3000 will reimburse you up to $200.00 of your deductible in full for covered services, with the remainder of your deductible (if applicable) being reimbursed at 20%. In addition, the Association will reimburse you for the difference between the Amount Allowed and the Amount Paid by your primary carrier, NOT TO EXCEED 20% up to the CARE annual limit of $2,200.
* The Amount Allowed must have been considered for payment by the Primary Plan in order for CARE to consider for secondary payment.
To receive reimbursement for the deductible and/or coinsurance amount, you must submit a copy of the member’s Explanation of Benefits from the Primary Plan and an itemized bill for services to the CARE Health Plan no later than April 30th for bills incurred the prior year.
Retired Railway employees and their dependents who have United Healthcare GA23111-E are eligible for secondary coverage under this plan.
For Precertification and Utilization Review, members in this Plan MUST follow the criteria established by the Primary Carrier.
The Secondary Plan pays the Primary Plan’s deductible and will pay up to 20% of the Amount Allowed* by the GA23111-E plan up to the CARE annual limit of $2,200.
* The Amount Allowed must have been considered for payment by the Primary Plan in order for CARE to consider for secondary payment.
Retired employees and dependents who have coverage with both Medicare and Cigna and/or both Medicare and United Healthcare Group Policy GA107300 are eligible to enroll in this secondary plan.
The CARE plan will coordinate payment with Cigna and Medicare. Between Medicare, Cigna and CARE the total payment of all charges will always be equal to Medicare’s approved amount on billed charges. CARE will reimburse for up to $100 on any applicable deductible. In addition, CARE will reimburse up to the annual limit of $2,200.
Click here for the Plan 3000 Application.
Click here for the Plan 3000 Cigna Application.
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