WHICH IS THE RIGHT PLAN FOR YOU? As you’re considering Averitt’s two medical plan options through BlueCross BlueShield, think through how you and your family use the medical plan. On the Traditional Health Plan, you’ll pay more out of your paycheck but less when you use the plan. On the High Deductible Health Plan, you’ll pay less out of your paycheck but you may pay more at the doctor or pharmacy. Don’t overpay to have more coverage than you need! Some key features below can help you compare.
Traditional Health Plan (THP)
High Deductible Health Plan (HDHP)
Paycheck premiums How do the plans compare on the amount I pay out of my paycheck?
Higher
Lower
With this plan you have access to a Health Savings Account. With Averitt’s contributions, you’re ready for a rainy day with $10 per week for individual coverage or $20 per week if you’re covering family. You can also enroll in the Dependent Care Flexible Spending Account Yes, up to IRS limits ($4,300 individual, $8,550 family in 2025) – and you won’t be taxed on contributions, growth or when you buy eligible expenses
With this plan you are eligible to enroll in a Health Care Flexible Spending Account and/or a Dependent Care Flexible Spending Account
Spending and Savings accounts Am I eligible for a FSA or HSA?
Tax-advantaged savings Can I contribute my own pre-tax dollars to an HSA? Predictable costs Does the plan have copays, so I can budget and anticipate what I’ll pay a little more easily? Deductible How do the plans compare on the amount I’ll pay out-of-pocket before the plan starts paying a percentage? Out-of-pocket maximum How do the plans compare in a worst-case scenario — the most I’ll pay before the health plan covers all eligible costs?
No
Yes
No
Lower
Higher
Lower
Higher
Teladoc Virtual Care
No copay
$55 copay
Pharmacy How does my plan work when I fill prescriptions?
You pay copays, which count toward the out-of-pocket max but not the deductible With the THP you pay predictable copays until you reach the deductible, then the plan begins cost sharing
You pay the full cost of prescriptions until you meet the deductible, then you pay 20% of the cost With the HDHP you can use your HSA dollars to pay for care, when you reach the deductible the plan will begins cost sharing
Paying for care How do I pay for care with the plan?
• Preventive care visits are covered at 100% • One ID card for both medical and prescription coverage • Averitt pays the majority of your medical premium cost • You pay less when you use in-network providers through BlueCard PPO, but you can also go out-of-network • Ability to fill both 30- and 90-day prescriptions
How are they the same?
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