ASCD + ISTE 2025 Benefits Guide

Medical insurance

Select from twomedical optionsthrough Kaiser.

All plans cover in-network preventive care at 100%, prescription drugs, and include an annual limit on your expenses.

Kaiser is available for employees in Mid-Atlantic states and Northwest states

Kaiser is an HMO medical plan option with no out-of-network coverage

Kaiser HSA

Kaiser HMO

HSA/HRA Contribution

$500/$1,000

N/A

Annual Deductible

$1,650 Individual

$500 Individual $1,000 Family $2,500 Individual $5,000 Family Plan pays 80%

$3,300 Family

Out-of-pocket maximum

$3,300 Individual $6,600 Family Plan pays 90%

Coinsurance

Preventive care Primary care visit

100% covered

100% covered

Deductible then 10% coinsurance $20 copay Deductible then 10% coinsurance $30 copay Deductible then 10% coinsurance $30 copay Deductible then 10% coinsurance $200 copay

Specialist visit

Urgent care

Emergency room

Inpatient hospital care

Deductible then 10% coinsurance Deductible then 20% coinsurance

Prescription drugs Generic

Deductible then $10copay retail Deductible then $30 copay retail Deductible then $60 copay retail

$10 copay retail $30 copay retail $60 copay retail

Preferred brand

Non-preferred brand

No Coverage

No Coverage

Out-of-network care

The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and other notices contained in this document, applications, and other corresponding communications for additional information.

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