ExclusiveCARE Plan Overview
The ExclusiveCARE Plan is an Exclusive Provider Organization (EPO) plan. This means the ExclusiveCARE Plan will only help pay for the cost of care when you see in-network providers. This plan has the lowest deductible of the plans, but you will pay more in premiums each month than you would in the HealthSAVER Plan. You pay copays for some services, like in-network doctor’s visits. But for other services, like hospital stays, you pay a copay plus a percentage of the remaining cost (coinsurance). After you’ve reached your medical deductible, you and Nestlé share the cost for care until you’ve met your medical out-of-pocket maximum. Then, Nestlé pays 100% of your cost for medical care for the rest of the calendar year.
There is a separate deductible for prescription drugs; however, this is waived for eligible generic prescriptions. Once you meet this deductible, you and Nestlé will share the cost for your prescriptions until you’ve met your prescription out-of-pocket maximum. Then, Nestlé pays 100% of your cost for prescriptions for the rest of the calendar year.
