How the Plans Differ
Choi ce Fund HRA Pl an
Choi ce Fund HSA Pl an
Highest payroll contributions
Lowest payroll contributions
Lowest Deductible
Highest Deductible
You pay a Copay when you visit an urgent care center or a doctor ’s office for covered services that are not considered Preventive Care . You pay Coinsurance for prescription drugs up to a cer tain 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 the 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 prescriptions, 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 the 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 the 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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