HDHP with HSA - lowest employee premium, high deductible, employee contributed HSA.

PPO Low Plan - lower deductible than the HDHP plan but copays before deductible for some services (such as Primary Care & Specialist visits).

PPO High Plan - highest employee premium, lowest deductible in-network, copays before deductible for some services.

Similarities

All Plans:

  • Cover the same type of eligible expenses
  • Utilize the national BlueCross BlueShield network (BlueCard)
  • Provide higher benefits when you use an in-network provider
  • In-network preventive care covered at 100%
  • Provide ultimate protection through an out-of-pocket maximum
  • Do not require selection of a Primary Care Physician (although recommended)
  • Do not require referrals for Specialist visits

Differences

The Plans Vary By:

  • First dollar coverage
  • Variation in copays
  • Employee payroll deduction amounts differ for all
  • Deductible amount & services that apply to the deductible
  • Out-of-pocket maximum amount