Medical Benefits

We’re proud to offer 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 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.

Preferred Provider Organization (PPO)

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.

High Deductible Health Plan (HDHP)

The HDHP features a higher deductible paired with a Health Reimbursement Arrangement (HRA). After the annual deductible is met, your services are covered at 100%.  The HRA is funded by your employer to be used to pay the annual deductible as required.

See the Benefits Guide or benefit summaries for detailed plan information.

Stay Healthy with Medical Coverage