What's a Hixme Health Bundle? How do I use it? (FAQs)

The Hixme Health Bundle™ puts your health coverage to work for you and each family member, and expands coverage beyond the limits of your traditional stand-alone core health insurance policy. It reduces your deductible and out-of-pocket expenses to give you much better coverage for less money. 
 
​The Hixme Health Bundle creates more value from a lower cost medical policy because the safety net features are triggered only if you need them, to effectively reduce your deductible and out-of-pocket expenses.  

Each Hixme Health Bundle includes building blocks that perfectly supplement a core health insurance policy to better fit your needs and budget - predictable AND unpredictable. Bundles work by integrating core health plans with a variety of other coverages to help deal with the risk of unexpected medical events.

Hixme Health Bundles accomplish all this with additional insurances, negotiated discounts on larger remaining balances and interest-free 12-month payroll deduction payment plans. In total the Hixme Bundle reduces the risk of unpredictable health care occurrences in a more affordable package than traditional group coverage.

See also: What to do when you receive a provider bill or carrier EOB?

 
FLEXIBLE $ 
The Hixme Flexible Bundle is the LOWEST priced package  with the LARGEST amount of safety net coverage. Best for people who know they’re healthy, don’t think they’ll need much care, want to spend less, and are comfortable  relying on the safety net in case of an accident or illness.

Non Hospital Safety Net
Maximum Copays
•PCP/SPC: up to $50
•Rx Tier 1: up to $20
•Rx Tier 2: up to $40
•Rx Tier 3: up to $40

Hospital Safety Net
$2000 annual benefit per member
•Inpatient hospital Outpatient Surgical
•Emergency Room ($250 copay)
•Diagnostic Imaging ($150 copay)
•Chemotherapy
BALANCED $$ 
The Hixme Balanced Bundle is a MEDIUM-priced package  that features a more substantial Core Health Plan with  a MODERATE level of additional safety net coverages. Best for those who are basically well, but who may need to  manage a mild chronic health condition or have minor surgery.  Safety net coverage protects against accidents or illnesses.

Non Hospital Safety Net
Maximum Copays
•PCP/SPC: up to $35
•Rx Tier 1: up to $20
•Rx Tier 2: up to $40
•Rx Tier 3: up to $40

Hospital Safety Net
$1500 annual benefit per member
•Inpatient hospital Outpatient Surgical
•Emergency Room ($250 copay)
•Diagnostic Imaging ($150 copay)
•Chemotherapy
SECURE $$$
The Hixme Secure Bundle is the MOST EXPENSIVE package, offering the security of maximum coverage. Yet it provides  more value than a standalone plan through minimal safety  net coverage. Best for those needing a lot of health care for a chronic condition, surgery or other situation, and who are willing  to pay up-front for a more comprehensive core plan. 
Non Hospital Safety Net
Maximum Copays
•PCP/SPC: up to $25
•Rx Tier 1: up to $15
•Rx Tier 2: up to $30
•Rx Tier 3: up to $30
 
Hospital Safety Net
$500 annual benefit
per member
 
•Inpatient hospital Outpatient Surgical
•Emergency Room ($250 copay)
•Diagnostic Imaging ($150 copay
•Chemotherapy
 
How do I use my bundle?
To learn how to activate your bundle, go to: How do I trigger my bundle
If you have a hospitalization, a costly diagnostic test, or an accident, once you contact Hixme, this triggers features in the bundle.
  • Hixme Discount: Depending on the bundle you choose, Hixme could reduce the amount you owe on your bill by 15%.
  • Hixme Advance: If needed, we offer you a personal payment plan to pay down your deductible balance ($1,000 interest free repaid via payroll deductions over 12 months.) 
  • Hixme Hospital and Accident Plus: Can reduce the remaining balances even further. Do NOT pay any bills before contacting Hixme.
  • Hixme CoPay Cap: limits your out-of-pocket (OOP) expenses for in-network primary/specialist doctor visits and prescriptions. 
  • Cash Back Feature - You may receive a Smart Shopper Credit in your paycheck, depending on employer contribution structure.
Go to this link for instructions on how to trigger your bundle
 
What does the Hixme Bundle mean in the real world?  

Anne selects a Hixme Health Bundle that gives her the most coverage for her premium dollar. She enrolls in a less expensive medical plan with a higher deductible (like Bronze or Silver) that automatically includes the Hixme Bundle of additional coverages to minimize her overall out-of-pocket costs. Anne pays a lot less per month for her premium.

Opps!
Anne has a medical emergency: enter the Hixme Bundle. She notifies Hixme to trigger the bundle features by sending in the EOB, proof of payment and bills. Hixme will apply additional coverages in the bundle. Then instead of paying the high deductible and medical bills beyond her coverage, she will get an offer from Hixme of an amount reduced by all elements that apply.  

The Hixme Health Bundle -- a perfect solution for those eager to reduce their spending without reducing their coverage.

Doc#49 11/28/17FAQ

 
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