How the Plans Differ
Choice Fund HRA Plan
Choice Fund HSA Plan
Highest payroll contributions
Lowest payroll contributions
Lowest Deductible
Highest Deductible
You pay a Copay when you visit a doctor's office or an urgent care facility for covered services that are not considered Preventive Care. You pay Coinsurance for prescription drugs up to a certain amount. For all other covered services that are not considered Preventive Care, you pay 100% until you meet your Deductible. When one or more dependents are covered under this plan, the plan includes an Embedded Deductible. When expenses are applied toward an Embedded Deductible, they are also applied toward the shared family Deductible. After you meet your Deductible, you and the plan pay Coinsurance until you reach your Out- of-Pocket Maximum. When one or more dependents are covered under this plan, the plan includes an Embedded Out-of-Pocket Maximum. You will not pay more than this amount in a calendar year for any individual covered under the plan.
You pay 100% for most prescription drugs, doctor visits, and all covered services that are not considered Preventive Care until you meet your Deductible. Click here to see the prescription drugs that are covered under this plan at 100%.
When one or more dependents are covered under this plan, the family Deductible is shared. After you meet your Deductible, you and the plan pay Coinsurance until you reach your Out- of-Pocket Maximum. When one or more dependents are covered under this plan, the plan includes an Embedded Out-of-Pocket Maximum, which means you will not pay more than this amount in a calendar year for any individual covered under the plan.
The plan comes with a Health Reimbursement Account (refer to pages 14 and 15 for more information).
The plan comes with a Health Savings Account (refer to pages 16-18 for more information).
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