Types of Medical Plans

You are strongly encouraged to review all available options before making your selection. All plans have a large network of doctors, prescription drug coverage, and no pre-existing condition limitations. The plan documents provide details on plan features (e.g., disease management, hearing aid benefits for children under age 18, etc.) Each type of plan has different features which should be carefully considered when trying to best meet your needs and the needs of your eligible dependents.

Health Maintenance Organization (HMO)

• In-network coverage only, except in cases of an emergency.
• You must reside in the service area.
• Primary Care Physician (PCP) may be required.
• You pay a copayment for covered services provided by the in-network doctors.

Preferred Provider Organization (PPO) & Open Access (OA) 

• National network of providers. Out-of-network and international care also available.
• PCP and referrals to specialists are not required.
• Deductibles, coinsurance, and out-of-pocket maximums apply.
• In-network preventive services are not subject to the deductible.

Insurance Cards

• Each insurance company will provide insurance cards within approximately four weeks.
• Your insurance card will contain a unique member ID number which is not your Social Security Number.
• If you are enrolled in a PPO plan you will receive two cards, both with the primary member's name and member ID number. All covered dependents may use these cards.
• If you need additional cards, contact the insurance company directly.
• Until you receive your insurance card, you may have to pay for services and/or prescriptions in full and file for reimbursement. Contact your insurance company to find out its reimbursement procedure. Be sure to save all your receipts.

Termination of Coverage

• If you are enrolled in one of the medical plans and you lose eligibility for any reason, contact HR for information on COBRA coverage.