Medical Benefit Options

PPO Option

With the exception of preventive care, medical service copays and prescription drug costs, you will generally pay the cost of services until your deductible is met. After your deductible is met, medical service copays and prescription drug costs will remain the same and coinsurance will then apply to most other covered services. If you are enrolled in the PPO option, you will not be eligible to contribute to a Health Savings Account, but you may be eligible to participate in the Health Care Flexible Spending Account (FSA). See Flexible Spending Plan for details on how to participate and additional details.

Using the Medical Benefit Options

Use the links below to access plan benefits and services.

Medical Carriers by Location

The health plan carrier available to you is based on where you live.

• Map of Aetna vs. BCBS

Telemedicine

Available through your carrier, telemedicine gives you 24/7 access to a national network of U.S. board-certified doctors at a low cost.

Minute Clinics

Minute Clinics are walk-in medical clinics staffed by nurse practitioners and physician assistants who specialize in family health care. No appointment is needed. If you’re enrolled in the HDHP option, you pay a $10 copay, after deductible. If you’re enrolled in the PPO option, you pay a $15 copay for services. Locate a Minute Clinic.

Kaiser HMO Options

You may have an HMO option if you live in one of the Kaiser service areas in California or Washington. Kaiser provides medical and prescription drug coverage from doctors and facilities participating in the Kaiser network only. The HMO option does not have a deductible and you will pay a copay or coinsurance for covered services and prescription drug costs, with the exception of preventive care. If you are enrolled in the HMO option, you will not be eligible to contribute to a Health Savings Account, but you may be eligible to participate in the Health Care Flexible Spending Account (FSA). See Flexible Spending Plan for details on how to participate and additional details.