Frequently Asked Questions

To choose the right medical plan, consider your current premiums and out-of-pocket expenses, how often you visit the doctor, how often you take medications, and your future health care needs.

Need 1-on-1 help? Quantum Health can answer questions about Lennox’s medical benefits, help you figure out if the Green Medical Plan or Blue Medical Plan fits your needs best, locate nearby in-network doctors, and look for ways to save you money. Call (877) 220-2279 for direct assistance

If you are enrolled in the Lennox Green Medical Plan or Blue Medical Plan, you should complete these mandatory steps each year to maximize your health care savings:

Certify Working Spouse Status

A $100 monthly surcharge will apply if you enroll a working spouse who is offered health coverage through their employer. If this does not apply and you wish to avoid the surcharge, be sure to answer “No” on the Working Spouse Status question in BenefitSource during Open Enrollment every year.

NOTE: If your status changes during the year, please submit a Working Spouse Status affidavit.

Confirm Tobacco Use

A $150 per person monthly surcharge will apply if you and/or your covered spouse uses tobacco and enrolls in a Lennox medical plan. If this does not apply and you wish to avoid the surcharge, be sure to answer “No” on the Tobacco Use question in BenefitSource during Open Enrollment every year.

NOTE: If you/your spouse’s status changes during the year, please submit a Tobacco Use affidavit.

Complete an Annual Health Screening

A $75 per person monthly surcharge will apply if you and/or your covered spouse do not 1) complete an annual health screening, and 2) meet or improve 3 out of 5 measured health metrics by the next set deadline. To avoid this surcharge, visit LIIveWell for the latest information and deadlines. First time users will have to register.

NOTE: In the case of a medical condition or pregnancy, a screening waiver can be submitted.

A fixed amount that you pay for covered health care services at the time you receive care. This copay amount is determined by your medical plan.

The amount you owe for covered services before your insurance plan pays its portion. Preventive care might be exempt from this deductible.

For example, if your deductible is $1,500, your plan will not cover any cost until you pay $1,500 out of pocket.

Locate the “Your Benefits” sections under this site’s main menu to view the current in-network annual deductibles for Lennox’s medical plans. Review your plan documents for more details.

Coinsurance is the amount that you and the insurance plan pay for covered services after the annual deductible has been met.

For example, if the plan pays 80% after the deductible, you would be responsible for the remaining 20% of the expense for the covered service.

The maximum amount you must pay during the plan year before your insurance plan begins to pay 100% of the allowed amount.

It does not include your premiums, out-of-network provider charges, or healthcare services your plan does not cover. Review your plan documents for more details.

A provider network is a group of physicians, hospitals, and healthcare providers that have agreed to provide medical services.

• In-Network – Providers that contract with your insurance company to provide healthcare services at the negotiated carrier discounted rates.


• Out-of-Network – Providers that are not contracted with your insurance company. If you choose an out-of-network provider, services will not be covered at the in-network negotiated carrier discounted rates.


• Non-Participating – Providers that have declined entering into a contract with your insurance provider. They may not accept any insurance, and you could pay for all costs out of pocket.