Medical plan details
The health system offers employees the choice of two plans for medical coverage. As you determine which is best for you and your family, here are some tips to help you navigate the chart showing your medical plan choices.
First, think about your expected medical and prescription expenses in 2022 and consider the possibility of unexpected expenses. Compare each plan and how the amount of per-paycheck premiums, deductibles, copays, coinsurance and out-of-pocket maximums will work for you (see below for definitions of those terms).
Key definitions and abbreviations
- Ded = Annual deductible, the amount of covered expenses an individual or family must satisfy before benefits are paid for by the plan
- Coins = Coinsurance, the portion of an allowable charge the member pays once the deductible has been satisfied
- Copay = Copayment, the dollar amount the member pays at the time of service in the Signature Plan
- Out-of-pocket maximum = The most you’ll pay for covered services in the plan year (2022)
- Premium = The per-paycheck cost of the medical plan. The health system and employees share the cost of coverage, with the health system paying most of the cost
- Health system network = We want our employees to receive the best healthcare in the state; therefore you will pay less for care with health system providers and facilities
- In-network = Providers and facilities in the network of your medical plan. See pages 12-14 for information about the networks offered for the HSA Advantage and Signature plans
- Out-of-network = Providers and facilities not included in the networks of your plan, resulting in higher cost to you
