Click here to see information about 2024 benefits
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Click here to see information about 2024 benefits
The health system offers two medical plans that use the Blue Cross Blue Shield network:
HSA Advantage Plan and Signature Plan
A high deductible plan (HSA Advantage) works best if you use less healthcare OR have extensive healthcare needs. These questions can help you decide:
This works best for those who use less healthcare, OR those who need extensive healthcare. The per-paycheck premiums are lower, but your cost of care during the year is higher through deductibles and coinsurance.
With this plan, you will have a Health Savings Account (HSA), with a contribution from the health system, that you can use to pay for healthcare with pretax dollars. The health system provides “seed” money to support employees with healthcare expenses. The money is deposited in early January.
Employees may contribute additional pretax dollars to their HSA from each paycheck to build up the account for healthcare expenses, up to the maximum amount allowed by the IRS. See the section about pretax savings accounts for more information on HSA and Flexible Spending Accounts (FSAs).
This works best for moderate to heavy users of healthcare. It offers lower deductibles and fixed copays for health system network and in-network office visits, but has higher per-paycheck premiums.
This plan uses an embedded deductible. This means that once a covered member meets the individual deductible, the health plan’s coinsurance begins to cover that person’s expenses – even if the full family deductible amount has not been met.
Use the charts below to understand the premium you will pay for medical insurance, including your prescription coverage, plus the larger portion the health system pays to support you. The amounts you’ll pay for premiums and out-of-pocket maximums are higher than last year and reflect rising plan costs for medical services and prescription medications.
If your spouse is offered medical insurance through their employer, you will pay an extra $50 per paycheck if you add them as a covered dependent.
Per-Paycheck Premiums* | HSA Advantage Plan | Signature Plan | ||
Employee pays | Health system pays | Employee pays | Health system pays | |
Employee only | $37.00 | $416.81 | $69.00 | $386.00 |
Employee + spouse | $154.00 | $760.08 | $232.00 | $686.60 |
Employee + children | $127.00 | $720.54 | $200.00 | $646.69 |
Employee + family | $211.00 | $1,179.57 | $317.00 | $1,101.66 |
(will align with health system premiums over time)
Per-Paycheck Premiums* | HSA Advantage Plan | Signature Plan | ||
Employee pays | Health system pays | Employee pays | Health system pays | |
Employee only | $37.00 | $416.81 | $69.00 | $386.00 |
Employee + spouse | $119.00 | $759.08 | $232.00 | $686.60 |
Employee + children | $100.00 | $747.54 | $170.00 | $676.69 |
Employee + family | $152.00 | $1,283.57 | $317.00 | $1,101.66 |
Per-Paycheck Premiums* | HSA Advantage Plan | Signature Plan | ||
Employee pays | Health system pays | Employee pays | Health system pays | |
Employee only | $39.00 | $414.81 | $72.00 | $383.00 |
Employee + spouse | $162.00 | $752.08 | $245.00 | $673.60 |
Employee + children | $132.00 | $715.54 | $209.00 | $637.69 |
Employee + family | $221.00 | $1,169.57 | $336.00 | $1,082.66 |
(will align with health system premiums over time)
Per-Paycheck Premiums* | HSA Advantage Plan | Signature Plan | ||
Employee pays | Health system pays | Employee pays | Health system pays | |
Employee only | $39.00 | $414.81 | $72.00 | $383.00 |
Employee + spouse | $124.00 | $790.08 | $245.00 | $673.60 |
Employee + children | $103.00 | $744.54 | $178.00 | $668.69 |
Employee + family | $160.00 | $1,230.57 | $336.00 | $1,082.66 |
*Taken from 24 paychecks per year.
As you consider which plan is right for you, use the chart below to compare your out-of-pocket costs for different services under each plan.
HSA Advantage Plan Signature Plan Health system network In-network* Out-of-network Health system network In-network* Out-of-network Annual $1,800 individual $4,000 individual $6,400 individual $500 individual $2,000 individual $4,000 individual Annual maximum out-of-pocket costs^ $4,500 individual $6,000 individual $19,800 individual $4,500 individual $6,000 individual $10,500 individual Member You pay 10%; You pay 30%; You pay 40%; You pay 10%; You pay 30%; You pay 40%; At the doctor's office Routine preventive care You pay $0; You pay $0; 40% coinsurance after deductible You pay $0; You pay $0; 40% coinsurance Primary care 10% coinsurance 30% coinsurance after deductible 40% coinsurance after deductible $20 copay $30 copay 40% coinsurance Specialist 10% coinsurance after deductible 30% coinsurance after deductible 40% coinsurance after deductible $40 copay $60 copay 40% coinsurance Urgent Care 10% coinsurance 30% coinsurance after deductible 40% coinsurance after deductible $40 copay $60 copay 40% coinsurance At the hospital Emergency 10% coinsurance after deductible 30% coinsurance after deductible 30% coinsurance after deductible** 10% coinsurance after deductible 30% coinsurance after deductible 30% coinsurance after deductible** Inpatient / Outpatient services 10% coinsurance 30% coinsurance after deductible 40% coinsurance after deductible 10% coinsurance 30% coinsurance 40% coinsurance after deductible Other medical benefits Outpatient therapy (speech, hearing, PT, OT) 10% coinsurance after deductible 30% coinsurance after deductible 40% coinsurance after deductible 10% coinsurance after deductible^^^ 30% coinsurance after deductible 40% coinsurance Mental health & substance use Inpatient 10% coinsurance after deductible 30% coinsurance after deductible 40% coinsurance after deductible 10% coinsurance after deductible^^^ 30% coinsurance after deductible^^^ 40% coinsurance Outpatient services^^ 10% coinsurance 30% coinsurance after deductible 40% coinsurance after deductible $20 copay for office visits; all other services $30 copay for office visits; 30% coinsurance after deductible for all other services 40% coinsurance after deductible Pharmacy Prescription medication coverage is a big factor in choosing a medical plan. Read the Prescription drug coverage section for important details. *In-network providers are part of either BlueSelect Plus or BlueCard PPO Network. ^Shows increase over 2024. ^^Preauthorization required for ABA therapy. ^^^Outpatient therapy was copay in 2024.
deductible^
($200 increase)
$3,600 family
($400 increase)
($800 increase)
$8,000 family
($1,600 increase)
(no increase)
$12,800 family
(no increase)
($100 increase)
$1,000 family
($200 increase)
($500 increase)
$4,000 family
($1,000 increase)
($2,000 increase)
$8,000 family
($4,000 increase)
($500 increase)
$9,000 family
($1,000 increase)
($2,000 increase)
$12,000 family
($4,000 increase)
(no increase)
$39,600 family
(no increase)
($500 increase)
$9,000 family
($1,000 increase)
($2,000 increase)
$12,000 family
($4,000 increase)
(no increase)
$21,000 family
(no increase)
coinsurance
plan pays 90%
plan pays 70%
plan pays 60%
plan pays 90%
plan pays 70%
plan pays 60%
plan pays 100%
plan pays 100%
plan pays 100%
plan pays 100%
after deductible
after deductible
after deductible
after deductible
after deductible
after deductible
Department
after deductible
after deductible
after deductible
High-tech
radiology (MRI,
CT, PET scan)
after deductible
services***
after deductible
after deductible
100% covered
**To ensure access to emergency care, coinsurance for qualified ER visits applied after deductible is met for in-network care.
***Preauthorization required; coverage of room and board may be denied.
A provider network is a list of providers and hospitals/facilities a health insurance company (for us, it’s Blue Cross Blue Shield) contracts with to provide healthcare services to its members at a discounted cost. You can save money by using providers in our medical plans’ preferred networks whenever possible.
Explore the Medical Network Resource Guide for more details, including:
