Plan Options:
Jefferson Parish offers five healthcare plans to employees who work 20 hours or more per week: Magnolia Open Access, Magnolia Local Plus, Pelican HSA775, and Pelican HRA1000. We encourage you to review each option carefully to make an informed decision about which plan best meets the needs of you and your family. These medical plans are provided through the Office of Group Benefits for the State of Louisiana.
Expand plans for details.
Office of Group Benefits
Magnolia Open Access
MAGNOLIA OPEN ACCESS
The Magnolia Open Access Plan offers coverage both inside and outside of the Blue Cross nationwide network.
Though the premiums for the Magnolia Open Access plan are higher than OGB’s other plans, its moderate deductibles combined with a nationwide network make it an attractive plan for members who live out of state or travel regularly.
| MEDICAL COVERAGE | ||||
| Single | Employee + Spouse |
Employee + Children |
Family | |
| Deductible – Active Employee/Non-Medicare Retiree (on or after 3/1/2015) | $900 | $1,800 | $2,700 | $2,700 |
| Deductible Retiree (with or without Medicare before 3/1/2015) | $300 | $600 | $900 | $900 |
| Coinsurance – Active Employee/Non-Medicare Retiree (In-Network) | 10% | 10% | 10% | 10% |
| Coinsurance – Medicare Retiree (In-Network) | 20% | 20% | 20% | 20% |
| Active Employee/Non-Medicare Retiree (Out-of-Network) | 30% | 30% | 30% | 30% |
| Out-of-Pocket Maximum – Active Employee/Non-Medicare Retiree On or After 3/1/15 | $3,500 | $6,000 | $8,500 | $8,500 |
| Out-of-Pocket Maximum – Non-Medicare Retiree (In-Network Before 3/1/15) | $2,300 individual; plus $1,300 per additional person up to 2; plus $1,000 per additional person up to 10 people; $12,700 for a family of 12+ |
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| Out-of-Pocket Maximum – Medicare Retiree (Out-of-Network Before 3/1/15) | $3,300 individual; plus $2,300 per additional person up to 2; plus $2,000 per additional person up to 2 additional people; $12,700 for a family of 5+ | |||
PHARMACY BENEFITS – CVS CAREMARK
OGB uses the CVS Caremark formulary to help members select the most appropriate, lowest-cost options. The formulary is reviewed regularly to reassess drug tiers based on the current prescription drug market. Members will continue to pay a portion of the cost of their prescriptions in the form of a co-pay or coinsurance. The amount members pay toward their prescription depends on whether or not they receive a generic, preferred brand, non-preferred brand name drug, or specialty drug.
| Tier | Member Co-Pay |
| Generic | 50% up to $30 |
| Preferred | 50% up to $55 |
| Non-Preferred | 65% up to $80 |
| Specialty | 50% up to $80 |
| Once you pay $1,500: | |
| Generic | $0 |
| Preferred | $20 |
| Non-Preferred | $40 |
| Specialty | $40 |
*Member responsibility is for a prescription drug benefit of up to a 31-day supply.
Magnolia Local
MAGNOLIA LOCAL
The Magnolia Local plan is a traditional plan that offers $25 primary care co-pays and $50 specialty care co-pays for members who live in specific coverage areas. Community Blue and Blue Connect networks in Shreveport, New Orleans and Baton Rouge are available for OGB members.
This plan is ideal for members who live in the parishes within the available networks and don’t plan to utilize out-of-network care. However, out-of-network care is provided in emergencies.
Community Blue
Community Blue is a select, local network designed for members who live in the parishes of Ascension, East Baton Rouge, Livingston and West Baton Rouge. This means healthcare providers work as a team led by a primary care doctor.
BlueConnect
BlueConnect is a select, local network designed for members who live in the parishes of Acadia, Bossier, Caddo, Evangeline, Iberia, Jefferson, Lafayette, Orleans, Plaquemines, St. Bernard, St. Charles, St. John the Baptist, St. Landry, St. Martin, St. Tammany and Vermilion. BlueConnect is a great health plan for people who want local access, a new approach to health and a lower priced insurance plan.
| MEDICAL COVERAGE | ||||
| Single | Employee + Spouse |
Employee + Children |
Family | |
| Deductible – Active Retiree (on or after 3/1/2015) | $400 | $800 | $1,200 | $1,200 |
| Deductible Retiree (with or without Medicare before 3/1/2015) | $0 | $0 | $0 | $0 |
| Co-pay(In-Network) | $25/$50 | $25/$50 | $25/$50 | $25/$50 |
| Out-of-Pocket Maximum – Active Employee/Non-Medicare Retiree On or After 3/1/15 | $2,500 | $5,000 | $7,500 | $7,500 |
| Out-of-Pocket Maximum – Retiree (with or without Medicare Before 3/1/15) | $1,000 | $2,000 | $3,000 | $3,000 |
PHARMACY BENEFITS – CVS Caremark
OGB uses the CVS Caremark formulary to help members select the most appropriate, lowest-cost options. The formulary is reviewed regularly to reassess drug tiers based on the current prescription drug market. Members will continue to pay a portion of the cost of their prescriptions in the form of a co-pay or coinsurance. The amount members pay toward their prescription depends on whether or not they receive a generic, preferred brand, non-preferred brand name drug, or specialty drug.
| Tier | Member Co-Pay* |
| Generic | 50% up to $30 |
| Preferred | 50% up to $55 |
| Non-Preferred | 65% up to $80 |
| Specialty | 50% up to $80 |
| Once you pay $1,500: | |
| Generic | $0 |
| Preferred | $20 |
| Non-Preferred | $40 |
| Specialty | $40 |
*Member responsibility is for a prescription drug benefit of up to a 31-day supply.
Magnolia Local Plus
MAGNOLIA LOCAL PLUS
The Magnolia Local Plus plan offers the same coverage as the Magnolia Local plan. This plan offers $25 primary care co-pays and $50 specialty care co-pays.
The Local Plus plan is ideal for members who prefer the predictability of co-payments rather than using employer funding to offset out-of-pocket costs.
This plan provides care in the Blue Cross nationwide network. Out-of-network care is provided in emergencies only.
| MEDICAL COVERAGE | ||||
| Single | Employee + Spouse |
Employee + Children |
Family | |
| Deductible – Active Employee/Non-Medicare Retiree (on or after 3/1/2015) | $400 | $800 | $1,200 | $1,200 |
| Deductible Retiree (with or without Medicare before 3/1/15) | $0 | $0 | $0 | $0 |
| Co-pay(In-Network) | $25/$50 | $25/$50 | $25/$50 | $25/$50 |
| Out-of-Pocket Maximum – Active Employee/Non-Medicare Retiree (on or after 3/1/15) | $3,500 | $6,000 | $8,500 | $8,500 |
| Out-of-Pocket Maximum – Retiree (with or without Medicare before 3/1/15) | $2,000 | $3,000 | $4,000 | $4,000 |
PHARMACY BENEFITS – CVS Caremark
OGB uses the CVS Caremark formulary to help members select the most appropriate, lowest-cost options. The formulary is reviewed regularly to reassess drug tiers based on the current prescription drug market. Members will continue to pay a portion of the cost of their prescriptions in the form of a co-pay or coinsurance. The amount members pay toward their prescription depends on whether or not they receive a generic, preferred brand, non-preferred brand or specialty drug.
| Tier | Member Co-Pay |
| Generic | 50% up to $30 |
| Preferred | 50% up to $55 |
| Non-Preferred | 65% up to $80 |
| Specialty | 50% up to $80 |
| Once you pay $1,500: | |
| Generic | $0 |
| Preferred | $20 |
| Non-Preferred | $40 |
| Specialty | $40 |
*Member responsibility is for a prescription drug benefit of up to a 31-day supply.
Pelican HSA775
PELICAN HSA775
OGB offers the Pelican HSA775 option to active employees. This plan is administered by Blue Cross and Blue Shield of Louisiana and features lower premiums compared to Magnolia plans in exchange for higher deductibles.
Health Savings Account
One of the benefits of choosing the Pelican HSA775 is the option to enroll in a health savings account (HSA). The HSA allows you to use pre-tax dollars to pay eligible medical and pharmacy expenses for you and your eligible dependents until you satisfy your deductible. It can also help you save for future health care expenses.
Your employer will contribute $200 per plan year to help jump-start your savings and will match your tax-free contributions made through payroll deduction dollar-for-dollar, up to an additional $575 per plan year. This $775 total amount counts toward the maximum U.S. Internal Revenue Service Annual limits of $4,300 for employee only coverage and $8,500 for family coverage, for the 2024 calendar year – an additional $1,000 if you are age 55 or older.
How does it work? – Members will be issued a debit card that can be used to cover eligible medical expenses, such as coinsurance, co-pays, deductibles, and services as well as pharmacy, dental, and vision expenses.
Members enrolled in OGB’s HSA775 are eligible for a personal tax-free health savings account (HSA). HealthEquity, Inc. is Blue Cross Blue Shield’s third party administrator for MySmart$aver HSA banking.
The HealthEquity website features other tools to help you understand the benefits of your HSA. Click here to learn more.
Click here to learn how to maximize your HSA.
The Pelican HSA775 Plan is a high deductible health plan which may be used in conjunction with an HSA for those eligible to participate in such an account. Eligibility to participate in and contribute to an HSA must be met on a monthly basis. It is your responsibility to ensure that you are eligible to maintain an HSA. The below factors affect your eligibility to participate in and/or make contributions to an HSA:
- Neither you nor your spouse may be covered by Medicare at any time during the Plan year (Medicare Part A coverage begins six months back from the date one applies for Medicare, social security, or railroad retiree benefits, but no earlier than the first month one was eligible for Medicare. Therefore, the general advisory is that you stop contributing to your health savings account at least six months before you apply for any of those benefits.)
- You must not be covered by any other health plan that is not a high-deductible health plan.
- You may not be covered by Veteran’s services during the last three months.
- You may not be active-duty military with Tricare coverage.
- You may not be claimed as a dependent on another person’s tax return.
- Neither you nor your spouse may be participating in a General-Purpose Flexible Spending Account (“FSA”) (Limited-Purpose FSAs are allowed).
| MEDICAL COVERAGE | ||||
| Single | Employee + Spouse |
Employee + Children |
Family | |
| Employer Contribution to HSA | $200, plus up to $575 more dollar-for-dollar match of employee contributions | |||
| Deductible (In-Network) | $2,000 | $4,000 | $4,000 | $4,000 |
| Deductible (Out-of-Network) | $4,000 | $8,000 | $8,000 | $8,000 |
| Coinsurance (In-Network) | 20% | 20% | 20% | 20% |
| Coinsurance (Out-of-Network) | 40% | 40% | 40% | 40% |
| Out-of-Pocket Maximum (In-Network) | $5,000 | $10,000 | $10,000 | $10,000 |
| Out-of-Pocket Maximum (Out-of-Network) | $10,000 | $20,000 | $20,000 | $20,000 |
PHARMACY BENEFITS – EXPRESS SCRIPTS
Blue Cross and Blue Shield of Louisiana works in partnership with Express Scripts® to administer your prescription formulary drug program for the Pelican HSA775. Prescriptions are subject to the plan deductible with the exception of maintenance medications.
| Tier | Member Co-Pay* |
| Generic | $10 |
| Preferred | $25 |
| Non-Preferred | $50 |
| Specialty | $50 |
| *Subject to deductible and applicable co-payment. Maintenance drugs are not subject to the deductible. | |
Pelican HRA1000
PELICAN HSA775
OGB offers the Pelican HSA775 option to active employees. This plan is administered by Blue Cross and Blue Shield of Louisiana and features lower premiums compared to Magnolia plans in exchange for higher deductibles.
Health Savings Account
One of the benefits of choosing the Pelican HSA775 is the option to enroll in a health savings account (HSA). The HSA allows you to use pre-tax dollars to pay eligible medical and pharmacy expenses for you and your eligible dependents until you satisfy your deductible. It can also help you save for future health care expenses.
Your employer will contribute $200 per plan year to help jump-start your savings and will match your tax-free contributions made through payroll deduction dollar-for-dollar, up to an additional $575 per plan year. This $775 total amount counts toward the maximum U.S. Internal Revenue Service Annual limits of $4,300 for employee only coverage and $8,500 for family coverage, for the 2024 calendar year – an additional $1,000 if you are age 55 or older.
How does it work? – Members will be issued a debit card that can be used to cover eligible medical expenses, such as coinsurance, co-pays, deductibles, and services as well as pharmacy, dental, and vision expenses.
Members enrolled in OGB’s HSA775 are eligible for a personal tax-free health savings account (HSA). HealthEquity, Inc. is Blue Cross Blue Shield’s third party administrator for MySmart$aver HSA banking.
The HealthEquity website features other tools to help you understand the benefits of your HSA. Click here to learn more.
Click here to learn how to maximize your HSA.
The Pelican HSA775 Plan is a high deductible health plan which may be used in conjunction with an HSA for those eligible to participate in such an account. Eligibility to participate in and contribute to an HSA must be met on a monthly basis. It is your responsibility to ensure that you are eligible to maintain an HSA. The below factors affect your eligibility to participate in and/or make contributions to an HSA:
- Neither you nor your spouse may be covered by Medicare at any time during the Plan year (Medicare Part A coverage begins six months back from the date one applies for Medicare, social security, or railroad retiree benefits, but no earlier than the first month one was eligible for Medicare. Therefore, the general advisory is that you stop contributing to your health savings account at least six months before you apply for any of those benefits.)
- You must not be covered by any other health plan that is not a high-deductible health plan.
- You may not be covered by Veteran’s services during the last three months.
- You may not be active-duty military with Tricare coverage.
- You may not be claimed as a dependent on another person’s tax return.
- Neither you nor your spouse may be participating in a General-Purpose Flexible Spending Account (“FSA”) (Limited-Purpose FSAs are allowed).
| MEDICAL COVERAGE | ||||
| Single | Employee + Spouse |
Employee + Children |
Family | |
| Employer Contribution to HSA | $200, plus up to $575 more dollar-for-dollar match of employee contributions | |||
| Deductible (In-Network) | $2,000 | $4,000 | $4,000 | $4,000 |
| Deductible (Out-of-Network) | $4,000 | $8,000 | $8,000 | $8,000 |
| Coinsurance (In-Network) | 20% | 20% | 20% | 20% |
| Coinsurance (Out-of-Network) | 40% | 40% | 40% | 40% |
| Out-of-Pocket Maximum (In-Network) | $5,000 | $10,000 | $10,000 | $10,000 |
| Out-of-Pocket Maximum (Out-of-Network) | $10,000 | $20,000 | $20,000 | $20,000 |
PHARMACY BENEFITS – EXPRESS SCRIPTS
Blue Cross and Blue Shield of Louisiana works in partnership with Express Scripts® to administer your prescription formulary drug program for the Pelican HSA775. Prescriptions are subject to the plan deductible with the exception of maintenance medications.
| Tier | Member Co-Pay* |
| Generic | $10 |
| Preferred | $25 |
| Non-Preferred | $50 |
| Specialty | $50 |
| *Subject to deductible and applicable co-payment. Maintenance drugs are not subject to the deductible. | |
ACCESS2DAY
ACCESS2DAY
Effective July 1, 2019, OGB has partnered with Access Health to provide primary and preventative care to our members enrolled in one of the Blue Cross Blue Shield of Louisiana health plans without the hassle of scheduling an appointment and the benefit of no out-of-pocket expenses.
Treatments available at Access2day clinics include:
Acute/Episodic Minor Care
| Respiratory Conditions | |
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| Sprains, Strains, and Fractures | |
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| Head, Eye & Ear | |
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| Lacerations & Cuts | |
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| Digestive & Urinary | |
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| Skin, Hair & Nail | |
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Preventative Health Care
| Office Visit | |
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| Lab – General Health Panel | |
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| Vaccinations & Shots | |
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Routine Primary Care
| Routine Physicals | |
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| Referrals | |
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Lab & Testing
| Screening Panels | |
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VIP Access with Access2day Health
All OGB members, including covered spouses and dependents, enrolled in one of the following BCBSLA health plans – Pelican HRA1000, Magnolia Local Plus, Magnolia Open Access and Magnolia Local – have access to ALL Acess2day Health clinic locations.
As an OGB member participating in one of the above mentioned BCBSLA health plans, you are automatically enrolled in the Access2Day Health program. When you arrive at an Access2day Health clinic, simply present your Access2day Health membership card and your BCBSLA insurance card. You will placed at the head of the line.
Visit www.Access2dayHealth.com/ogb or download the mobile app for access to:
- Clinic Finder
- Ask a Question
- Request Additional Membership Cards
- Answers to Frequently Asked Questions
- Learn More About Services Available to Members
Whatever life throws at you throw it our way
Whatever life throws at you throw it our way
Employee_Assistance_and_Wellness_Customer_Flyerhttps://assets.stevens.edu/mviowplu823/4yWPvBe9Zw0KaNBsWJL5dX/c9134eee1d3d963eebcb3ddf80f21c25/Employee_Assistance_and_Wellness_Customer_Flyer.pdf
CONTACT INFORMATION
| Blue Cross and Blue Shield of LA www.bcbsla.com/ogb 1-800-392-4089 8:00 AM – 5:00 PM CT Mon-Fri |
| OGB Health Plan PA Guide |
| Via Benefits |
| My.ViaBenefits.com/ogb 1-855-663-4228 8:00 AM – 8:00 PM CT Mon-Fri |
| Peoples Health www.peopleshealth.com Current Members 1-866-877-5403 Prospective Members 1-866-877-5403, option 1. 8:00 AM – 8:00 PM CT Mon-Fri |
| Humana www.humana.com 1-877-889-9885 7:00 AM – 7:00 PM CT Mon-Fri |
| CVS Caremark |
| www.caremark.com |
| 1-877-300-1906 |
| 24 Hours, Seven Days a Week |
| SilverScript |
| 1-877-996-0104 |
| 24 Hours a day |
| Seven Days a Week |
| Blue Advantage |
| HMO Member Hours: |
| 8:00am-8:00PM CT, Seven Days a Week |
| (Oct-March) 8:00am-8:00pm CT Mon-Fri |
| (April –Sept)8:00am-8:00pm CT Mon–Fri |
| Compare Your Health Plans |
