PPO Plan
Not HSA Eligible
20%
Coinsurance
$2,000 / $4,000
Individual/ Family Deductible
$9,200 / $18,400
Individual/Family Max Out-of-Pocket
$200 copay + Ded. + 20%
Emergency Room Visit
Prescriptions
20% Generic Drugs
20% Preferred Brand
20% Non-Preferred Brand
10% Mail Order 90 day supply Specialty Drugs
General Information
United Health Care
Network: Choice Plus
Phone: 123-456-7890
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
United Health Care
Network: Choice Plus
Phone: 123-456-7890
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
Base Plan*
HDHP/HSA Eligible
20%
Coinsurance
$2,000 / $4,000
Individual/ Family Deductible
$6,500 / $12,000
Individual/Family Max Out-of-Pocket
Ded. + 20%
Emergency Room Visit
Prescriptions
Ded. + 20% Generic Drugs
Ded. + 20% Preferred Brand
Ded. + 20% Non-Preferred Brand
Ded. + 20% Specialty Drugs
Buy-Down Plan**
HDHP/HSA Eligible
20%
Coinsurance
$3,000 / $6,000
Individual/ Family Deductible
$6,500 / $12,000
Individual/Family Max Out-of-Pocket
Ded. + 20%
Emergency Room Visit
Prescriptions
Ded. + 20% Generic Drugs
Ded. + 20% Preferred Brand
Ded. + 20% Non-Preferred Brand
Ded. + 20% Specialty Drugs
General Information
United Health Care
Network: Choice Plus
Phone: 123-456-7890
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
PPO Plan
Not HSA Eligible
20%
Coinsurance
$2,000 / $4,000
Individual/ Family Deductible
$9,200 / $18,400
Individual/Family Max Out-of-Pocket
$200 copay + Deductible + 20%
Emergency Room Visit
Prescriptions
$15 Generic Drugs
50% Preferred Brand
50% Non-Preferred Brand
50% Specialty Drugs
Base Plan*
HDHP/HSA Eligible
20%
Coinsurance
$2,000 / $4,000
Individual/ Family Deductible
$6,500 / $12,000
Individual/Family Max Out-of-Pocket
Deductible + 20%
Emergency Room Visit
Prescriptions
Deductible + 20% Generic Drugs
Deductible + 20% Preferred Brand
Deductible + 20% Non-Preferred Brand
Deductible + 20% Specialty Drugs
Buy-Down Plan**
HDHP/HSA Eligible
20%
Coinsurance
$3,000 / $6,000
Individual/ Family Deductible
$6,500 / $12,000
Individual/Family Max Out-of-Pocket
Deductible + 20%
Emergency Room Visit
Prescriptions
Deductible + 20% Generic Drugs
Deductible + 20% Preferred Brand
Deductible + 20% Non-Preferred Brand
Deductible + 20% Specialty Drugs
* Base Plan: Employee Only Enrollment: $2,000 deductible / Emp+Dependent(s) Enrollment: $4,000 combined family
** Buy-Down Plan: Employee Only Enrollment: $3,000 deductible / Emp+Dependent(s) Enrollment: $3,300 per individual / $6,000 family max
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
Two Ways to Enroll!
Call Center Enrollment
Have questions or need assistance? Enrollment Counselors are available Monday-Friday, 8:00am-7:00pm CST. Call (314) 442-0058 or schedule an appointment.