IOGAWV EMPLOYEE BENEFITS PROGRAM




The Independent Oil and Gas Association of West Virginia, Inc. offers what is considered the premier association health insurance program in West Virginia. The IOGAWV program is presented through a successful partnership with Highmark Blue Cross Blue Shield West Virginia (HMBSBC) and Wells Fargo Insurance Services and has become the largest fully insured policy holder of HMBCBS.

The stability of the plan allows our members to focus more on their business, since all services are provided by IOGAWV, Wells Fargo Insurance Services and HMBCBS.

Plan features offer availability to groups of two or more; competitive rates; reduced employer risk exposure; multiple plan options; tiered rates; and outstanding customer service.

IOGAWV membership is one of the qualifications for the insurance program. For more information about this program, contact Lori Miller of IOGAWV at lmiller@iogawv.com or 304-344-9867 or Pete Thackston of Wells Fargo Insurance Services at 800-322-2381.

The IOGAWV insurance plan also provides a dental program through United Concordia, a subsidiary of Highmark Blue Cross Blue Shield Pennsylvania, and life insurance through Fort Dearborn Life Insurance Company

About IOGAWV

Formed in 1959, the Independent Oil and Gas Association of West Virginia, Inc., is a statewide, not for profit corporation that represents oil and natural gas producers and the companies and individuals who support production activities. IOGAWV, the state’s largest and most respected oil and gas association, has over 625 company members who are active not only in West Virginia, but also in other states. IOGAWV was formed to promote and protect a strong, competitive and capable independent natural gas and oil producing industry in West Virginia.

Health Plan Options

Super Blue 100 90/70
• $100 (x2) Deductible
• 90/70 In-Network Co-Insurance
• $600/$1200 Maximum Out-of-Pocket
• $15 Physician Office Co-Pay
• 100% Coverage with $50 Co-pay in Accident/Emergency
• 100% Preventative Coverage for Mandated Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 250 90/70
• $250 (x2) Deductible
• 90/70 In-Network Co-Insurance
• $750/$1500 Maximum Out-of-Pocket
• $15 Physician Office Co-Pay
• 100% Coverage with $50 Co-pay in Accident/Emergency
• 100% Preventative Coverage for Mandated Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 500 90/70
• $500 (x2) Deductible
• 90/70 In-Network Co-Insurance
• $1000/$2000 Maximum Out-of-Pocket
• $15 Physician Office Co-Pay
• 100% Coverage with $50 Co-pay in Accident/Emergency
• 100% Preventative Coverage for Mandated Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 1000 90/70
• $1000 (x2) Deductible
• 90/70 In-Network Co-Insurance
• $1500/$300 Maximum Out-of-Pocket
• $15 Physician Office Co-Pay
• 100% Coverage with $50 Co-pay in Accident/Emergency
• 100% Preventative Coverage for Mandated Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 1500 90/70
• $1500 (x2) Deductible
• 90/70 In-Network Co-Insurance
• $2000/$4000 Maximum Out-of-Pocket
• $15 Physician Office Co-Pay
• 100% Coverage with $50 Co-pay in Accident/Emergency
• 100% Preventative Coverage for Mandated Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 2000 90/70
• $2000 (x2) Deductible
• 90/70 In-Network Co-Insurance
• $2500/$5000 Maximum Out-of-Pocket
• $15 Physician Office Co-Pay
• 100% Coverage with $50 Co-pay in Accident/Emergency
• 100% Preventative Coverage for Mandated Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 250 80/60
• $250 (x2) Deductible
• 80/60 In-Network Co-Insurance
• $1250/2500 Maximum Out-of-Pocket
• $25 Physician Office Co-Pay
• 100% Coverage with $50 Co-pay in Accident/Emergency
• 100% Preventative Coverage for Mandated Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 500 80/60
• $500 (x2) Deductible
• 80/60 In-Network Co-Insurance
• $1500/3000 Maximum Out-of-Pocket
• $25 Physician Office Co-Pay
• 100% Coverage with $50 Co-pay in Accident/Emergency
• 100% Preventative Coverage for Mandated Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 1000 80/60
• $1000 (x2) Deductible
• 80/60 In-Network Co-Insurance
• $2000/4000 Maximum Out-of-Pocket
• $25 Physician Office Co-Pay
• 100% Coverage with $50 Co-pay in Accident/Emergency
• 100% Preventative Coverage for Mandated Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 1500 80/60
• $1500 (x2) Deductible
• 80/60 In-Network Co-Insurance
• $2500/5000 Maximum Out-of-Pocket
• $25 Physician Office Co-Pay
• 100% Coverage with $50 Co-pay in Accident/Emergency
• 100% Preventative Coverage for Mandated Services
• Prescription Drug Card with Mail Order Benefit

Super Blue 2000 80/60
• $2000 (x2) Deductible
• 80/60 In-Network Co-Insurance
• $3000/6000 Maximum Out-of-Pocket
• $25 Physician Office Co-Pay
• 100% Coverage with $50 Co-pay in Accident/Emergency
• 100% Preventative Coverage for Mandated Services
• Prescription Drug Card with Mail Order Benefit

Vision Insurance

There are two vision plans available. Both provide benefits for:
• 1 exam per 12 month period
• 1 pair of lenses per 12 month period
• 1 pair of frames per 24 month period
• 1 pair contact lenses per 12 month period when provided in lieu of frames and lenses.

Standard Vision Plan
• $35 per exam
• Lenses
• Single $25 per lens
• Bifocal $38 per lens
• Trifocal $50 per lens
• Lenticular $125 per lens
• Frames $ 19 per frame

IOGA High Option Vision Plan
• Exam $15 copay 100% thereafter
• Lenses $25 copay 100% thereafter
• Frames $25 copay 100% thereafter

Dental Insurance
• 100% Preventive
• $50 (x3) Deductible for basic & major services
• 80% Basic Services
• 50% Major Services and Orthodontic

Term Life Insurance Options
• $15,000 Term Life Insurance
• $25,000 Term Life Insurance
• $50,000 Term Life Insurance

Short-Term Disability
• First day accident, eighth day illness / Twenty-six weeks of benefits
• $150 per week benefit
• $250 per week benefit
• $300 per week benefit

Competitive Rates and Reduced Risk Exposure
Combining our member companies into one large group provides the opportunity for competitive rates and reduces risk exposure to these groups by becoming a large pool.
The IOGAWV health plan has become Highmark Blue Cross Blue Shield West Virginia’s largest fully insured plan with 114 IOGA member companies representing over 1,400 employees and an annual premium of $12.7 million.