Medical
We are proud to offer you a choice of medical plans that provide comprehensive medical and prescription drug
coverage. The plans also offer many resources and tools to help you maintain a healthy lifestyle. Following is a
brief description of each plan.
Preferred Provider High Deductible Health Plan
Plan Features
Organization (PPO) (HDHP)
Carrier UMR UMR
2025 Offerings $1,750 PPO Plan $3,500 HDHP
100% Coverage for Preventive Yes Yes
Provides coverage for out of network
Yes Yes
providers?
Primary Care Physician (PCP)
No No
Required?
Copay based or deductible / Combination of both copays and deductible/co-
Primarily deductible / coinsurance benefits
coinsurance? insurance benefits
Eligible for tax advantaged account? FSA HSA
- Freedom to seek care from any provider - Freedom to seek care from any provider
of your choice, however seeing in-network of your choice, however seeing in-network
providers proves to be cost beneficial. providers proves to be cost beneficial.
- You pay the full cost of non-preventive - You pay the full cost of non-preventive
health care services until you meet the annual health care services until you meet the annual
deductible. You may also have to pay a fixed deductible.
dollar amount (copay) for certain services. - Once you meet the deductible, you pay a
Other Considerations
- Once you meet the deductible, you pay a percentage of certain health care expenses
percentage of certain health care expenses (coinsurance) and the plan pays the rest.
(coinsurance) and the plan pays the rest. - Once your deductible and coinsurance add
- Once your deductible, copays, coinsurance add up to the out-of-pocket maximum, the plan
up to the out-of-pocket maximum, the plan pays pays the full cost of all qualified health care
the full cost of all qualified health care services services for the rest of the year.
for the rest of the year.