Compare Your Medical Plans

PPO

CDHP 20

CDHP 30

Per paycheck cost…

Highest

Middle

Lowest

Health Savings Account (HSA)

Not available

Available

Available

Health Care Flexible Spending Account (FSA)

Available

Limited Purpose only

Limited Purpose only

In-network deductible
(what you pay before the plan begins to pay)

Lowest

Middle

Highest

Preventive care

100% covered

100% covered

100% covered

How much you pay for care

Lowest

You pay copays for doctor, urgent care, and ER visits

After meeting your deductible, you pay 20% of the cost for other in-network care

Middle

After meeting your deductible, you pay 20% of the cost for other in-network care

Highest

After meeting your deductible, you pay 30% of the cost for other in-network care

May be a good fit for you if …

You want predictability in doctor visit and/or prescription drug costs

You want to save money through an HSA but also want a smaller deductible than the CDHP 30

You want to save money through an HSA, you want to pay the least in premiums, and you don’t mind the higher out-of-pocket costs