When deciding which medical plan is the best fit for you and your family, it’s important to consider the total cost of coverage. This includes what you pay in premiums out of your paycheck and what you pay for services.
We offer three (3) plans for your convenience. All three plans are through UnitedHealthcare (UHC), but each plan will work a little different.
This plan has the lowest weekly/bi-weekly premium with a deductible that must be met before the plan coverage kicks in. You may also elect to have an HSA to help meet the deductibles.
This plan has the same deductibles as the HDHP Plan, however, Excelligence will give you $1,000 for employee only or $2,000 for family coverage to help meet that deductible. The weekly/bi-weekly premiums are higher than the HDHP Plan as well. You may elect an FSA to also help meet your deductibles and out-of-pocket expenses.
This plan has a lower deductible for Individual and Family; however the premium for weekly/bi-weekly is higher than the other two plans. You may elect an FSA to help meet your deductibles and out-of-pocket expenses.
HDHP with HSAIn-Network |
PPO with HRAIn-Network |
PPOIn-Network |
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|---|---|---|---|
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You can contribute to your HSA, up to $4,400 for employee only coverage or $8,750 for family coverage. If you are over the age of 55 you can contribute an additional $1,000 catch-up contribution. |
Excelligence contributes to your HRA, up to $1,000 for employee only coverage and $2,000 for a family coverage to be used towards eligible medical expenses. | ||
| General Services | |||
| Annual Deductible/Individual | $7,000 | $5,000 | $2,500 |
| Annual Deductible/Family | $14,000 | $10,000 | $5,000 |
| Annual Out-of-Pocket Limit/Individual | $7,000 | $8,000 | $7,500 |
| Annual Out-of-Pocket Limit/Family | $14,000 | $16,000 | $15,000 |
| Office Services | |||
| Primary Care Physician | 0% After Deductible | $35 Copay | $30 Copay |
| Specialist | 0% After Deductible | $70 Copay | $60 Copay |
| Urgent Care | 0% After Deductible | $50 Copay | $50 Copay |
| Preventative Services | 100% Covered | 100% Covered | 100% Covered |
| Hospital Services | |||
| Inpatient Hospital | 0% After Deductible | 30% After Deductible | 30% After Deductible |
| Outpatient Surgery | 0% After Deductible | 30% After Deductible | 30% After Deductible |
| Emergency Room | 0% After Deductible | 30% After Deductible | 30% After Deductible |
| Weekly Premium * | $19.34 |
| Per year | $1,005.68 |
| Deductible | +$7,000.00 |
| Total Cost | $8,005.688 |
| Weekly Premium * | $41.69 |
| Per year | $2,167.88 |
| Deductible | +$5,000.00 |
| Subtotal | $7,167.88 |
| Company contribution | -$1,000.00 |
| Total Cost | $6,167.88 |
| Weekly Premium * | $66.38 |
| Per year | $3,451.76 |
| Deductible | +$2,500.00 |
| Total Cost | $5,951.76 |
The HSA High Deductible plan with HSA Savings, is great for those who don’t see a physician regularly, is on little to no medications OR has an HSA Savings account and/or can readily contribute to one. This plan will have the least impact to your paycheck but a greater possible cost when you need to see a doctor or obtain a prescription because you MUST meet your deductible first.
The HRA with $1,000 company contribution. ($1,000 for Employee and additional $1,000 for any other covered individual(s) for $2,000 max). The company contribution is used automatically by United Health Care to pay for prescriptions and copays.
