The Medical Plans
There are four Choices medical plans: Basic; Comprehensive; Health Reimbursement Arrangement (HRA); and the Health Savings Account (HSA).
These plans offer you a variety of costs and coverage levels to meet your needs.
- Each is a PPO (preferred provider organization)
- Your medical claims administrator and networks are staying the same
- You can use in-network or out-of-network providers, but you'll always pay less using an in-network doctor
- All of the plans provide free routine in-network preventive care
To help make your decision you should look at:
- How much the plan costs you
- The costs you'll pay before the plan starts paying (deductible)
- The amount you'll pay when you use your benefits (coinsurance)
- What is the most you'll pay in one year if you have serious medical expenses (out-of-pocket maximum)
Take time to read about all of your choices, so that you can pick the plan that is right for you.
Basic
Comprehensive
Health Reimbursement Arrangement (HRA)
Health Savings Account (HSA)
Compare the Plans
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Want to find out if your doctor is the network?
Effective January 1, 2010, all retirees will be covered by the Highmark network. You can use the Highmark contact information below to find out if your current doctor or hospital participate in the Highmark network. More than likely they do, because Highmark has an extensive network of providers.
Highmark
www.highmarkbcbs.com
1-800-433-9906
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