Which Medical Plan is Right?
Evaluate Your Needs. Consider your prior health care usage and select plans and options that fit your lifestyle and needs.
- Do you take regular prescription medications?
- Are you anticipating surgery or non-preventive dental care?
- Did you experience a qualifying life event this year?
- Review your current plans to ensure you have the coverage you need.
Review this benefits website to learn about your new and existing plan options.
A little bit of planning will help you select the best plans, coverage levels, and financial programs for your unique situation.
| Medical | HDHP 1 | HDHP 2 | Copay Plan | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| In-Network | Out-of-Network | In-Network | Out-of-Network | In-Network | Out-of-Network | |||||||
| Annual Deductible | ||||||||||||
| Individual | $3,400 | $4,000 | $5,000 | $6,000 | $1,500 | $3,000 | ||||||
| Family | $6,800 | $8,000 | $10,000 | $12,000 | $3,000 | $6,000 | ||||||
| Coinsurance | 20% | 40% | 20% | 40% | 20% | 40% | ||||||
| Annual Out-of-Pocket Maximum | ||||||||||||
| Individual | $4,100 | $4,700 | $6,000 | $7,000 | $3,000 | $6,000 | ||||||
| Family | $8,200 | $9,400 | $12,000 | $14,000 | $6,000 | $12,000 | ||||||
| Services What you pay after meeting the deductible | In-Network | Out-of-Network | In-Network | Out-of-Network | In-Network | Out-of-Network | ||||||
| Preventive Care | Covered 100% | 40% | Covered 100% | 40% | Covered 100% | 40% | ||||||
| Telehealth via LiveHealthOnline Medical Therapy & Psychiatry | Covered 100% | 40% | Covered 100% | 40% | Covered 100% | 40% | ||||||
| Primary Care Office Visit | You pay 20% | You pay 40% | You pay 20% | You pay 40% | $30 | You pay 40% | ||||||
| Specialist Office Visit | You pay 20% | You pay 40% | You pay 20% | You pay 40% | $60 | You pay 40% | ||||||
| Urgent Care | You pay 20% | You pay 40% | You pay 20% | You pay 40% | $75 | You pay 40% | ||||||
| Emergency Room | You pay 20% | You pay 20% | $250 | |||||||||
| Hospitalization | You pay 20% | You pay 40% | You pay 20% | You pay 40% | You pay 20% | You pay 40% | ||||||
Note: Please consult plan documents for full benefits, exclusions, and limitations.
Cost of Coverage
| Employee Contributions per Payroll (Semi-Monthly = 24 pays per year) | ||||||
|---|---|---|---|---|---|---|
| Medical Plans | HDHP 1 | HDHP 2 | Copay Plan | |||
| Employee | $102.37 | $85.74 | $63.13 | |||
| Employee & Spouse | $251.21 | $185.71 | $168.10 | |||
| Employee & Child(ren) | $188.22 | $144.13 | $130.65 | |||
| Family | $251.21 | $185.71 | $168.10 | |||
HDHP1 - Summary of Benefits and Coverage
HDHP2 - Summary of Benefits and Coverage
Copay Plan - Summary of Benefits and Coverage
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