Remodel Health
Medical & Rx
Broad Reach Healthcare is offering you the opportunity to choose your own individual health insurance through Remodel Health. Broad Reach Healthcare automatically covers a portion of the premium based on the type of plan you choose, and the remainder of the premium will be deducted through payroll.
Login to Remodel Health today to shop for plans, enroll, or schedule time to speak with an enrollment specialist.
Learn more about your
ICHRA
What is an Individual Coverage Health Reimbursement Arrangement (ICHRA)?
An ICHRA is a type of account-based healthcare plan that allows employees to purchase individual health coverage that best fits their needs, while your employer covers a portion of the premium.
Broad Reach Healthcare will automatically cover a portion of your health insurance premium, and the rest will be deducted through payroll.
This allows employees the flexibility to truly choose a plan that fits their and their family's unique needs, rather than being locked into an employer-designed plan.
You can even connect with an enrollment specialist to help you decide. Read on to learn how to choose the best plan and enroll!
Who is Remodel Health?
Powered by proprietary software and backed by a team of licensed health benefits experts, Remodel will be providing the platform for employees to enroll in an individual health plan. Additionally, Remodel will be offering individual guidance and support to employees throughout the year and during open enrollment.
What is an ICHRA?
Through Individual Coverage Health Reimbursement Arrangements (ICHRAs) Broad Reach is able to provide untaxed dollars to employees to spend on individual plans. Very similar to the change from pension plans to 401(k)s for retirement benefits— Broad Reach provides a contribution, and employees gets to decide how to spend it. With an ICHRA, you as the employee have personal choice in your medical benefits and will be able to enroll in a plan that best fits your household’s needs. ICHRAs allow Broad Reach to customize employee health benefits to meet the individual needs of all employees and provide more ownership of the policy to you, the employee.
What does this mean for me?
With Remodel Health, you now have more control and choice in selecting a health plan that fits your unique needs. Instead of being limited to a one-size-fits-all group plan, you can choose from a variety of options that work best for you and your family. The Remodel team will be there to support you every step of the way, providing personalized guidance and ensuring you feel confident and empowered to make the most of your health benefits.
What are individual plans?
Individual health plans are health insurance policies purchased directly from an insurance company, with guidance and enrollment support provided by Remodel Health. Unlike group health plans, these policies are not directly tied to an employer. Individual health plans are ACA-compliant policies that offer comprehensive coverage, including preventative care, prescription drugs, and coverage for pre-existing conditions.
What is the Health Insurance Marketplace?
The Health Insurance Marketplace is a government-regulated platform where individuals can shop for health insurance plans. It offers coverage to everyone, regardless of health status. By integrating ICHRA with the Marketplace, Broad Reach provides employees more flexibility in choosing their healthcare while benefiting from tax advantages and easier administration.
How do I choose the best plan for me?
During enrollment, the Remodel Health platform will recommend a plan that closely matches what you're currently enrolled in through Broad Reach. You’ll also be able to compare and contrast other available plans, specific to your needs, with detailed information on costs, providers and more. If you have a special circumstance or need additional assistance, you can opt for a one-on-one meeting with Remodel’s licensed benefits advisors for personalized support.
What happens if I leave Broad Reach?
If you leave Broad Reach or need to take a prolonged leave, you can keep your coverage. The only difference is that you will be paying the entire premium amount instead of receiving a premium subsidy through Broad Reach. This may be more advantageous to you and your family than electing COBRA and paying a 2% premium surcharge on top of the total premium amount. If you have any questions, you can discuss next steps with Remodel or the Broad Reach team.
What if my healthcare needs change during the year?
If your healthcare needs change, Remodel Health can assist. While you typically can only change your plan during open enrollment or if you have a qualifying life event, the Remodel team can guide you through your options and help you get the most out of your current coverage.
Are preventative care services covered under my individual plan?
Yes, all preventative care services are covered at 100%. These services help maintain your health and catch potential issues early, reducing the need for more expensive treatments later.
Important! What do I do when I receive my bill?
Although you have an individual health plan, Remodel Health helps Broad Reach deduct your premium from your paycheck and handles the payment. You may still receive a bill from your carrier. Please don't pay the bill directly from the carrier if you receive one as Remodel Health will manage the payment and send you confirmation.
If you notice anything unusual or see a past-due amount on your monthly bill, contact Remodel at care@remodelhealth.com.
What type of plans are available?
Instead of Broad Reach choosing one health policy for everyone, you now have the freedom to shop for health insurance coverage that best suits your needs. With the support of Remodel Health and their licensed health benefits advisors, you can select a plan that fits your preferred network, doctors, and health insurance premium. Below are a few considerations as you explore options:
- High-Deductible Health Plans (HDHP): These plans have higher deductibles, or initial costs for healthcare expenses, but lower premiums. Typically, the higher the deductible, the lower the premium. In many cases, you can utilize a health savings account with these plans, which will continue being offering by HRCTS.
- Co-Pay Plans: Co-Pay plans have set amounts that you pay for each visit or prescription (copays) and often feature lower deductibles. With a co-pay plan, you will typically pay higher premiums than an HDHP because you are likely accessing your benefit more frequently.
- Network: There are a variety of networks for plans such as PPO, EPO and HMO. With a PPO plan, you are likely to have the widest network and access to out-of-network coverage. An EPO can have a wide network with a greater likelihood for prior-authorization requests. Finally, an HMO network tends to be narrow and may request a referral before major procedures
What are the metal tiers of coverage (metal levels)?
When choosing a health plan, you’ll see options categorized into four metal tiers: Bronze, Silver, Gold, and Platinum. These tiers determine how you and your insurance provider share the costs of your healthcare. Higher metal tiers (like gold or platinum) mean the health insurer pays a higher percentage of your medical expenses. However, your monthly premiums will be higher. Lower tiers (like bronze plans) mean you’ll have higher out-of-pocket costs. However, your monthly premiums will be lower. For example, Bronze plans have an actuarial value of 60%, meaning the insurer pays about 60% of your healthcare costs on average, and you cover the remaining 40%.
What plans am I eligible for, and how much can I expect to pay?
The Window Shopping Tool will allow prospective new hires to view the available plan options in their area before becoming benefits-eligible employees.
It is very simple to use: the employee can enter their zip code, DOB, and dependent information to view available plans and costs. If you would like to know your ICHRA contribution amount while searching, reach out to care@remodelhealth.com for assistance.
Still Have Questions? Talk One-on-One With an Enrollment Team Member
Remodel Health licensed benefit advisors are excited to help you with your coverage options!
Advisements will be held on a Zoom video meeting if possible because we know health insurance can feel complicated and uncertain, and we’d love to connect “face-to-face” online. If you have a computer or phone with a camera, we’d love to put a face with your name and discuss your coverage options over Zoom.
If meeting virtually is not an option or your personal preference, your assigned advisor will be happy to give you a call! Whichever route you choose, having access to a computer or smartphone during the call will be very helpful.
Additional Benefits:
- Licensed Benefit Advisors
- Remodel Health’s licensed benefits advisors are available to help you choose the health benefit that best suits your needs and the needs of your household.
- Schedule an advisement in your Remodel Health profile at: app.remodelhealth.com.
- Main Point of Contact
- A customer success representative will be your contact for all the questions you have about your health benefits. Their goal is to be your advocate and answer any questions you may have regarding coverage. You’ll want to reach out to your insurance carrier directly to process claims.
- You can reach your Customer Success Representative at: care@remodelhealth.com.
- Educational Resources
- Remodel Health customers have access to a variety of free educational resources through the Remodel Health platform. Learn how to best utilize your health benefits—from how to use an HSA, when to use Teladoc, and more!
- Visit: help.remodelhealth.com
Questions? Contact Us!
- Email: care@remodelhealth.com
- Phone: (844) 748-3240
After creating your profile, log in at: app.remodelhealth.com
What Your Plan Covers
Preventative Care: This includes annual wellness visits, screening tests, and immunizations are covered at no cost to you.
Formulary: A list of prescription drugs your health plan covers and their cost to you.
Other Plan Features
High Deductible Health Plan (HDHP): A High Deductible Health Plan offers lower premiums but has a higher deductible. They are a great way to save money if you’re relatively healthy and protect yourself from serious injuries & illnesses.
Health Savings Account (HSA): A Health Savings Account is a bank account that allows users to pay medical bills tax-free. You may only have an HSA with an HDHP per IRS regulations.
Understanding Network Types
When choosing an individual health insurance plan, it’s important to understand that different plans come with different types of provider networks. A network is a group of doctors, hospitals, and other healthcare providers that a health insurance plan contracts with to provide services to its members at lower costs. The type of network a plan uses can significantly affect how and where employees receive care—and how much they pay for it.
Each network type—HMO, EPO, POS, and PPO—offers varying levels of flexibility when it comes to choosing providers and seeing specialists. Some plans may require referrals or limit coverage to in-network providers, while others offer more freedom to see out-of-network doctors. The table to the left outlines the key differences between these network types to help you make more informed decisions when selecting your coverage.
Are You Eligible for Medicare?
Those who are over 65 and not enrolled in Medicare will need to transition to a Medicare plan. Your premiums will be reimbursed by Broad Reach Healthcare. Remodel Health has in-house Medicare advisors that you can schedule appointments with. Medicare advisors can walk you through the enrollment process and answer your questions. While advisors can enroll members in Medicare supplement plans, they will refer you to the Social Security office for enrollment in Parts A and B of Medicare.
You also have the option to consult with NFP’s Medicare Support Team for help selecting coverage. Afterward, send your monthly Medicare expense proof to Remodel Health so they can process your reimbursement.
Remodel Enrollment Instructions
- Create your account: Look out for an email invitation from Remodel Health! In the email, click “Get Started” to create your account (https://app.remodelhealth.com/login). Once you’ve signed up, you’ll be directed to your User Dashboard.
- Complete your Household Summary: Your dashboard will display a list of Enrollment Tasks to guide you through the process. You’ll be asked to provide details about yourself and any family members you want to cover, including personal information, job details, and any preferred providers. We’ll use this information to automatically calculate your reimbursement amount, which you can apply to the cost of your health plan!
- Select your Benefits: You’ll see a list of available health plans to compare and explore. Review the details of each plan to find the best fit for you and your household. Employees with unique medical circumstances or who require extra assistance selecting a plan can schedule a call with one of Remodel's licensed health benefits advisors for personalized help.
- Agree to Terms & Submit Selection: After choosing your plan, review and agree to the member terms, then submit your selection. A confirmation email will be sent once the Remodel team has reviewed your choice!
It's that simple! For a step-by-step video tutorial of this process, click here or the button below.
Please call or email Remodel for assistance with enrollment.
Contact the provider of these benefits by calling this phone number or visiting this website: (844) 748-3240, www.remodelhealth.com