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.
Help Choosing a Medical Plan
All displayed values are estimates, please consult official benefit documentation for exact amounts.
Medical Plan Comparison
You have a choice of three medical plan options to help you and your family take charge of your health care and find the right fit. These plans have different copayments, coinsurance, deductibles, and out-of-pocket limits. Each of the options includes prescription drug coverage.
Medical plans are administered by United Healthcare.
| 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 | |||
HSA Contributions
| Level of Coverage | Maximum Employee Contribution | Employer's Contribution | Total Maximum Contribution |
|---|---|---|---|
| Employee Only | $3,900 | $500 | $4,400 |
| Employee + Spouse | $7,750 | $1,000 | $8,750 |
| Employee + Child(ren) | $7,750 | $1,000 | $8,750 |
| Employee + Family | $7,750 | $1,000 | $8,750 |
HDHP1 - Summary of Benefits and Coverage
HDHP2 - Summary of Benefits and Coverage
Copay Plan - Summary of Benefits and Coverage
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