Which Medical Plan is Right For Me?
Kaiser DHMO PLUS 1500 Plan • In- and out-of-network benefits available under the Kaiser DHMO Plus 1500 plan only (up to 10 out-of-network provider visits allowed per calendar year) • You pay deductible and coinsurance for most covered health services • You pay copays for covered prescription drugs • You can fund a health care flexible spending account (FSA) Kaiser DHMO 500 Plan • In-network benefits only • You pay copays for office visits and covered prescription drugs • You pay deductible and coinsurance for all other covered health services (i.e. hospitalization) • You can fund a health care flexible spending account (FSA) Cigna HMO 1500 Local Plus Plan • In-network benefits only • You pay deductible and coinsurance for most covered health services • You pay copays for covered prescription drugs • You can fund a health care flexible spending account (FSA) Cigna HMO 500 Local Plus Plan • In-network benefits only • You pay copays for office visits and covered prescription drugs • You pay deductible and coinsurance for all other covered health services (i.e. hospitalization) • You can fund a health care flexible spending account (FSA)
Things to consider before you enroll:
1. What planned health care services are you expecting to need next year?
2. Do you take any prescription drugs on a regular basis?
3. Are you currently seeing any doctors that are outside of the Kaiser HMO or Cigna Local Plus networks?
4. Would you rather pay less out of your paycheck but more when you need care? Or, would you prefer to pay more out of your paycheck but less when you need care?
5. Are you able to budget for your health care expenses by funding a flexible spending account?
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