Medical Benefits at a Glance
Preferred Provider
Organization (PPO)
FSA Eligible
30%
Coinsurance
$5,500 / $11,000
Individual/ Family Deductible
$7,500 / $15,000
Individual/Family Max Out-of-Pocket
$450 copay + Deductible + 40%
Emergency Room Visit
Prescriptions
$30 Generic Drugs
$60 Preferred Brand
$150 Non-Preferred Brand
25% up to $500 Specialty Drugs
General Information
Powered by Lucent Health
Network: Choice Plus
Phone: 1-888-585-3309
What is a PPO plan?
A preferred provider organization plan has a higher monthly cost, but a lower deductible meaning the plan will cover more sooner.
HDHP vs PPO plans
General Information
Powered by Lucent Health
Network: Choice Plus
Phone: 1-888-585-3309
What is a HDHP plan?
A plan with a higher deductible than a traditional insurance plan. A high deductible plan can be combined with a health savings account (HSA), for you to pay for certain medical expenses with money you set aside in your tax-free HSA.
HDHP vs PPO plans
High Deductible
Health Plan (HDHP)
HSA Eligible
30%
Coinsurance
$7,500 / $15,000
Individual/ Family Deductible
$8,500 / $17,000
Individual/Family Max Out-of-Pocket
Deductible + 30%
Emergency Room Visit
Prescriptions
Deductible + 30% Generic Drugs
Deductible + 30% Preferred Brand
Deductible + 30% Non-Preferred Brand
Deductible + 30% Specialty Drugs
Health Path Plan
(HPP)
FSA Eligible
N/A
Coinsurance
N/A
Individual/ Family Deductible
N/A
Individual/Family Max Out-of-Pocket
$250 copay
Emergency Room Visit (max 2 per year)
Prescriptions
$15 Generic Drugs
$40 Preferred Brand
50% Coinsurance
Specialty Drugs Not Covered
General Information
Powered by Lucent Health
Network: Choice Plus
Phone: 1-888-585-3309
What is a HDHP plan?
A plan with a higher deductible than a traditional insurance plan. A high deductible plan can be combined with a health savings account (HSA), for you to pay for certain medical expenses with money you set aside in your tax-free HSA.
HDHP vs PPO plans
Preferred Provider
Organization (PPO)
FSA Eligible
30%
Coinsurance
$5,500 / $11,000
Individual/ Family Deductible
$7,500 / $15,000
Individual/Family Max Out-of-Pocket
$450 copay + Deductible + 40%
Emergency Room Visit
Prescriptions
$30 Generic Drugs
$60 Preferred Brand
$150 Non-Preferred Brand
25% up to $500 Specialty Drugs
High Deductible
Health Plan (HDHP)
HSA Eligible
30%
Coinsurance
$7,500 / $15,000
Individual/ Family Deductible
$8,500 / $17,000
Individual/Family Max Out-of-Pocket
Deductible + 30%
Emergency Room Visit
Prescriptions
Deductible + 30% Generic Drugs
Deductible + 30% Preferred Brand
Deductible + 30% Non-Preferred Brand
Deductible + 30% Specialty Drugs
Telehealth
No need to leave the house when you’re under the weather or non-emergent issues arise. A friendly healthcare provider can assess, treat, diagnose, and even prescribe through video conference.
Learn More
HSA & FSA
When choosing between a Health Savings Account (HSA) or a Flexible Spending Account (FSA), you might wonder which is best for you.Click here to learn more about the differences and benefits.
Learn More
Enroll In Your Benefits
Enroll in your benefits by clicking the ‘enroll online’ button.