Medical Benefits
We’re proud to offer you four medical plan options designed to help you and your family get the care you need.
Health Maintenance Organization (HMO)
The HMO plan provides coverage through in-network doctors. 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.
Preferred Provider Organization (PPO)
The Preferred Provider Organization (PPO) plans offer 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.
High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
The High Deductible Health Plan (HDHP) features a higher deductible with the option of participating in a Health Savings Account (HSA). 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.
