Benefits: a shared responsibility
You might not realize it, but every claim has an impact on the Johnson & Johnson benefits plan. Good benefit consumerism is one of the best ways to help keep the plan sustainable, and keep your out-of-pocket expenses to a minimum. Here are a few tips:
Coordination of benefits (COB) is an insurance process that allows you to submit claims to the Johnson & Johnson benefits plan first and then, if your plan doesn’t cover all of the cost, to submit the remainder to your spouse’s plan.
If your spouse has coverage with his or her employer, you can coordinate coverage to get up to 100% of your healthcare expenses reimbursed.
A dispensing fee is what you pay the pharmacist to prepare your prescription and to give you information and advice about the drug you’re buying. Did you know that dispensing fees vary significantly between pharmacies? Some offer dispensing fees as low as $4, while others charge more than $12 per prescription.
By shopping at pharmacies with lower fees, you can save yourself money, and help keep the benefit plan sustainable.
Lumino Health Virtual Care, provided by Dialogue, is being introduced as a new virtual care service. This service will be accessible to all employees enrolled in Extended Health Care (EHC). Through this platform, you can connect with healthcare providers through chat, audio, or video consultations for non-emergency care needs. Remember, Lumino Virtual Health Care also offers virtual pharmacy services with convenient prescription delivery right to your home.
Click here to learn more.
If you are prescribed a new long-term medication, choose a trial supply first to ensure the drug works for you and there are no adverse side effects.
By choosing a trial supply before committing to a medication, you can ensure you get the right medication for you without the added cost of switching.
If you take medication on a daily basis, ask your doctor for a 90-day supply. This helps reduce the number of times you have to go to the pharmacy and saves you money – instead of paying a dispensing fee three times, you pay it once. It adds up!
Doing so throughout the year can save you hundreds of dollars and helps to keep the benefits plan sustainable.
Make time to take care of yourself – both physically and mentally. By focusing on your well-being, you’ll not only feel better, but you can reduce the need for costly medical treatments or prescription drugs down the road – which helps keep the plan affordable.
Johnson & Johnson is committed to supporting your overall health, including your mental health. Free, confidential support is available through our Employee Assistance Program (EAP) & CARE Services. Reach out today.
1-800-663-9099