Health Insurance


Health/Rx coverage is offered to all full-time, benefit eligible employees. SGMC offers a self-insured group health insurance plan through CoreSource (the TPA) which utilizes the Blue Cross Blue Shield network.

The 2018/2019 plan is built around a domestic copay plan. SGMC is the Domestic Provider of benefits and we encourage you to use our facilities and providers in order to get the best pricing available through the Domestic Network. “In-Network” providers, also known as Tier 2 providers, will be provided through Blue Cross Blue Shield, whose network includes a vast range of physicians and offices all over the country. You also have the option of a Flexible Spending Account with the PPO.
To locate a list of In-Network providers, please log on to www.mycoresource.com, and register as a participant.
Reach out to CoreSource at 855-274-8709 for information related to medical ID Cards, Claims Questions, Service and Provider Questions.

What is a PPO?

A Preferred Provider Organization (PPO) is a plan that includes a network. By using a network provider, you receive a greater benefit than by using a non-network provider. Our network is the United Healthcare Options PPO and includes a vast range of physicians and offices all over the country. A PPO has a medium-range premium and a medium-range deductible with co-payments to assist in the cost of doctor’s office visits. You also have the option of a Flexible Spending Account with the PPO.

What is a Flexible Spending Account (FSA)?

A Flexible Spending Account is a special account you put money into that you use to pay for certain out-of-pocket health care costs. You don't pay taxes on this money. This means you'll save an amount equal to the taxes you would have paid on the money you set aside.

During Open Enrollment, you elect the amount of money you would like in your FSA, which comes from pre-tax deductions bi-weekly. Maximums for FSA’s are determined by the IRS. You will receive an FSA card, which functions much like a debit card, and you can use that card and your FSA funds for any medical related expenses, including doctor’s office visits, prescriptions, dental costs, or vision costs. Please Note: Flexible Spending Accounts do not roll over year-to-year.

Documents
Name Size Description
NOP.pdf (199204) Notice of Privacy (Health Plan) Download
NOP (Spanish).pdf (283138) Notice of Privacy; Spanish (Health Plan) Download
2018 Summary of Benefits and Coverage.pdf (589839) 2019 SBC Download
2018 Health Plan Document.pdf (2076295) 2019 Health Plan Document Download
Health Plan Restriction Request Form.pdf (136928) Health Plan Restriction Request Form Download

Have questions or need help setting up your benefits? Don't hesitate to reach out to us!