Health
Medical
At LCMC Health, care starts at home. Both of our plans provide access to the LCMC Health network, which is built exclusively for you and includes our providers—the ones that you know, trust, and work with every day.
Plan basics
Included with your medical plan
- 100% preventive care (including annual exams, screenings, and immunizations)
- Prescription drug coverage
- Lowest costs when you use LCMC Health providers or facilities
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ID cards
Always present your new ID card to your providers and pharmacy on your first visit of the year to ensure they have your new insurance information.
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Eligibility and benefits
Before you see your provider for the first time each year, you should check the network portals (Verity and/or Aetna) to determine if your provider is in the network. It is important to ensure that your provider is in network so you are not left with unexpected out-of-pocket costs.
Member portal
Manage your benefits and claims at webtpa.com.
- Access eligibility information for you and your dependents
- View, print, or order an ID card
- Check claim status and history
- View Explanation of Benefits
- Download plan documents and member resources
- Search for a provider
Provider contact
- Developed and funded by LCMC Health, managed by WebTPA
- Phone: 855.404.776
- Website: webtpa.com
LCMC Health Choice
Reminder: You must use a provider in the Verity network.
- Choose LCMC Choice to begin your search.
- Only LCMC Health facilities are considered Tier 1. All providers and professional services are considered Tier 2.
- Services performed by a provider that does not participate in the Verity network are not covered.
Facilities/Hospitals
Reminder: You must use an LCMC Health facility/hospital in the Verity network.
- Choose LCMC Choice to begin your search.
- Your plan does not allow you to use other facilities/hospitals.
- If you are traveling and have a medical emergency, you may utilize a facility/hospital in the Aetna network. If you have a dependent attending college out of state or a spouse who resides out of state, you may use the Aetna network.
LCMC Health Basic
You may use providers in the Verity and Aetna networks.
- Choose LCMC Basic to begin your search.
- Services performed by a provider who does not participate in the Verity and/or Aetna network are not covered.
Facilities/Hospitals
- Choose LCMC Basic to begin your search.
- Use of LCMC Health facilities/hospitals is required if you reside in 700, 701, and St. Tammany zip codes under the Verity network. If you reside within this area, you are required to use an LCMC Health facility regardless of which network you chose.
- If you reside out of these areas, are traveling out of state and have a medical emergency, and are unable to access an LCMC Health facility/hospital, you may utilize an Aetna facility/hospital.
Pharmacy
At LCMC Health, care starts at home. Both of our plans provide access to the LCMC Health network, which is built exclusively for you and includes our providers—the ones that you know, trust, and work with every day.
Plan basics
Included with your medical plan
- Use designated pharmacies for the lowest costs.
- Get a 3-month supply of your long-term medication mailed to you with free standard shipping and flexible payment options.
- Get a ContourNext blood glucose meter and test strips at no cost through Optum.
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ID cards
Always present your new ID card to your providers and pharmacy on your first visit of the year to ensure they have your new insurance information.
Provider contact
- OptumRx
- Phone:800.285.3177
- Website: optumrx.com
How to find a pharmacy:
Where you fill them makes a difference in what you pay.
Designated pharmacies = lower cost
- Lower deductible
- Caps on copays for preferred and non-preferred brand drugs
Non-designated pharmacies = higher cost
- Higher deductible
- No caps on brand-name copays
Specialty medicines
- Must be filled at LCMC Health Pharmacy Services. Click here to view specialty medicines.
- Some require pre-approval. Call 504.896.7780 for help with specialty prescriptions.
Medical Expense Reimbursement Plan (MERP)
The MERP can lower your out-of-pocket costs to almost nothing. If you are enrolled in the MERP, you can have eligible copays, deductibles, and coinsurance for qualified medical and prescription drug expenses reimbursed, up to the MERP maximum limits.
Plan basics
Included with the MERP
- LCMC Health facilities, physician visits, and prescription drugs are covered at 100%.
- 100% preventive care (including annual exams, screenings, and immunizations)
- The MERP maximums follow the Affordable Care Act annual limitations, $10,600/individual and $21,200/family.
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ID cards
- You must present your alternate coverage ID card and your MERP ID card for any visits.
- Let the provider know that the MERP will pay the provider directly for eligible copays, deductibles, and coinsurance.
- Most providers accept the MERP ID card and file claims. If the provider has any questions about the coverage or claim submission process, the provider can call the toll-free number on the back of the MERP ID card.
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Eligibility and benefits
If you have access to another employer’s health plan (often through a spouse) and choose to enroll in the MERP, LCMC Health will help cover your medical costs throughout the year.
Provider contact
- Catilize Health
- Phone: 877.872.4232
- Website: portal.catilize.com
How to submit a claim:
If you need to submit a claim electronically, go to portal.catilize.com and submit the required documentation for:
- Copay, coinsurance, or deductible: The Explanation of Benefits (EOB) from your alternate group health plan.
- Prescriptions: Submit the “tab” that includes that name of the drug, date filled, patient’s name, and copay.
- Do not submit a cash register or credit card receipt; these along are not acceptable as per IRS regulations.
Health Saving Account (HSA)
Invest in your health — for now and the future. An HSA is a great way to save money before taxes for medical, dental, and vision costs. The money is yours forever — it rolls over each year and can even grow for retirement.
Plan basics
Included with the LCMC Health Choice and Basic HDHP medical plan
- Pay for eligible medical, dental, and vision expenses with a debit card from Fidelity.
- Unused money rolls over each year and can grow with investment options.
- You keep the money for life, even if you change jobs or retire.
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Debit card
- Pay with the ease of a debit card
- To see a list of eligible expenses visit irs.gov.
- Reminder: You must open and activate your account with Fidelity to receive the LCMC Health contributions to your HSA.
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Annual contributions from LCMC Health
- Employee only: $250
- Employee + spouse: $450
- Employee + children: $450
- Employee + family: $750
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2026 contribution limits
- $4,400 single / $8,750 family (includes your + LCMC Health contributions)
- Extra $1,000 catch-up contribution may be made if you are 55-64 and not enrolled in Medicare.
Member portal
Manage your account at netbenefits.com/LCMC.
- Check your balance
- Change your contribution amount
- Review claims and reimbursements
Provider contact
- OptumRx
- Phone:800.285.3177
- Website: optumrx.com
Flexible Spending Account (FSA)
Plan basics
Healthcare FSA
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Pay for eligible medical, dental, or vision expenses (including many over-the-counter items) with a debit card from DBS.
- You must be enrolled in the LCMC Health Choice or Basic PPO medical plan or waived medical coverage.
Limited Purpose FSA
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Pay for eligible medical, dental, or vision expenses (including many over-the-counter items) with a debit card from DBS.
- You must be enrolled in the LCMC Health Choice or Basic HDHP medical plan.
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Debit card
- Pay with the ease of a debit card
- You can access the full amount on January 1.
- Debit cards are valid for 5 years and reloaded each year with your new election. Do not throw your cards away!
- Use it or lose it – you can only rollover up to $680 each year.
- Keep your receipts! The IRS may ask for proof your FSA dollars were spent on eligible expenses.
- To see a list of eligible expenses visit irs.gov.
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2026 contribution limits
- $3,400
Online account access
Manage your account via the DBS phone app or online at dbsbenefits.com.
- View your account details including balance, claims, and reimbursements.
- Diversified Benefit Services mobile app is also available for download in the App Store and Google Play.
- You will need the following PIN to create an online account if you have not done so already: LCMC.
Provider contact
- Diversified Benefit Solutions (DBS)
- Phone: 800.234.1229
- Website: dbsbenefits.com
Dependent Care FSAs
The DCFSA allows you to set aside pre-tax dollars to pay for dependent care services.
- You contribute pre-tax dollars via payroll deduction.
- Pay for eligible expenses such as licensed day care or adult care facilities, before or after school care, or summer camps.
- DCFSA funds are forfeited if they are not used by the end of the plan year (December 31).
2026 contribution limit
- $7,500 each year if married, or $3,750 if married and filing separately.
Dental
Plan basics
Included with the dental plan
- You can visit any dentist, but you’ll save more with UHC network dentists.
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You don’t need a referral to see a specialist
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Preventive care is covered 100% in our network
- If you don’t use all your annual benefit, part may roll over to the next year.
- Orthodontia is only covered on high option 1 and high option 2.
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More help to stay healthier
Oral cancer screenings: Included as part of preventive care benefit for adults.
Extra care during pregnancy: Receive extra dental visits during pregnancy and the first 3 months after birth.
Hearing care: Save up to 50% off a wide selection of prescription hearing aids and services. Start by calling 1.866.926.6632 and mention UHCDental to access discounted pricing.
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ID cards
You can access your digital ID card at myuhc.com once coverage starts.
Provider contact
- UnitedHealthcare (UHC)
- Phone: 877.816.3596
- Website/Find a dentist: myuhc.com
Vision
Plan basics
Included with the vision plan
- Independent practitioners and large retail chains such as Walmart, Sam’s Club, Costco, America’s Best, Vision Works, Warby Parker, and more.
- $10 copay for exam, once per year with in-network providers.
- If your prescription changes .5 diopter or more in a plan year, you can get new glasses without paying an additional premium.
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More ways to save
Everyday eyewear: Get 10% off contact lenses and free shipping on orders of $99 or more. Visit uhcglasses.com to get started.
Laser vision correction: Save up to 35% on the national average price of laser vision correction at more than 800 QualSight® LASIK locations nationwide.
Blue-light screen protectors: Save 30% on screen protectors with blue light filtration for select digital devices.
BenefitHub access: Find over 200 discounts and rewards for nutrition, memberships, electronics, restaurants, travel and more.
Hearing care: Save up to 50% off a wide selection of prescription hearing aids and services. Start by calling 1-866-926-6632 and mention UHCDental to access discounted pricing.
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ID cards
You can access your digital ID card at myuhcvision.com once coverage starts.
Provider contact
- UnitedHealthcare (UHC)
- Phone: 877.816.3596
- Website/Find a provider: myuhcvision.com