We’re proud to offer medical plan options designed to help you and your family get the care you need.
The HMO plan provides coverage through in-network doctors from which you will select a primary care physician (PCP) who refers you to specialists if you need them. You do not have a deductible, but you are responsible for copays when you receive services.
You will not have access to out-of-network physicians if you are enrolled in this plan. If you decide to seek treatment from an out-of-network doctor, you will be responsible for the full cost of treatment.
The Preferred Provider Organization (PPO) plan offers the flexibility to choose an in-network or out-of-network provider each time you need care. Keep in mind, you will save money when you visit in-network providers. The PPO plans offer several deductible options. The higher the deductible, the lower your premiums will be.
The HDHP features a higher deductible with the option of participating in a Health Savings Account (HSA). After the annual deductible is met, you pay coinsurance for most health care services, up to the annual out-of-pocket maximum. You have the option to save pre-tax funds in an HSA up to annual limits to pay for you and your family’s health care needs.
See the Benefits Guide or benefit summaries for detailed plan information.