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Overview of Option A—2018

Option A has the lowest premium of all Dominion Energy medical options—and that’s just one of the three ways Option A can help you save.

Option A also gives you flexibility and control over your health care dollars, because it comes with a Health Savings Account (HSA) to which Dominion Energy contributes money. (To learn how much Dominion Energy gives you, see Part 2, below.) You can use your HSA to pay for current and future medical expenses—tax-free!

Like the other options, Option A is a preferred provider organization—sometimes called a PPO. With a PPO, you choose where you want to receive care. You’ll generally pay less and receive a higher level of benefits when you use providers in the Anthem network.

How It Works

To understand Option A, think about it in two parts:

Part 1 is a PPO that pays benefits when you satisfy the annual deductible.

  • Good news! Routine in-network preventive care is free—even before you satisfy the deductible.

Part 2 is a Health Savings Account (HSA) that you can use to pay for qualified health care expenses, including the annual deductible and copayments.

  • Depending on the dependents you cover, Dominion Energy contributes either $500 or $1,000 to your HSA. This money is yours to keep!
  • You can contribute to your HSA on a tax-free basis.
Plan Feature Option A
In-Network Out-of-Network
Annual medical deductible
Employee only coverage $1,860
Employee and dependent coverage
(including domestic partners)*
 
  • Per person
N/A*
  • Per family
$3,720*
Annual medical out-of-pocket maximum**
Employee only coverage $4,238 $8,474
Employee and dependent coverage
(including domestic partners)*
   
  • Per person
$6,850* $13,700*
  • Per family
$8,476* $16,948*
Your share of covered medical expenses*** You pay 20%, after deductible

Preventive care is free
You pay 40%, after deductible
Prescription drug coverage Covered the same as other medical expenses; see Your Prescription Drug Coverage
Health Savings Account available? Yes
Healthcare Flexible Spending Account available? No

* If you choose Option A and enroll your dependents, you must meet the family deductible before any expenses are paid for services other than covered preventive care. If an individual meets the $6,850 out-of-pocket maximum, the plan pays 100% for that individual. Other family members will need to meet the remaining portion of the family out-of-pocket maximum of $8,476 before the plan pays 100% for all family members.

** Does not include non-covered services, out-of-network provider charges that are above the plan allowance, and amounts above plan limits.

*** Maximum benefit of 20 visits per person per year for chiropractic services. Emergency room/department care covered the same in-network and out-of-network (20%, after deductible).

Three Ways Option A Can Help You Save

  1. Option A has the lowest premium of all Dominion Energy’s medical options.
  2. Dominion Energy contributes to your HSA and makes the full contribution in January—this is free money to use now or save for later. All money in your HSA is always yours. You keep it, even if you leave the Company.
  3. You get triple tax savings, because you can:
    • Contribute part of your pay to the HSA before taxes—which reduces the income tax you’ll owe.
    • Invest HSA money and any earnings can grow tax-free.
    • Withdraw money tax-free to pay for eligible medical expenses.

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