Understanding the options for medical benefits

You have a choice between two plans for medical coverage.

HSA Advantage Plan

This works best for those who use less healthcare. The per-paycheck premiums are lower but your cost of care during the year is higher through deductibles and coinsurance.

This plan uses an aggregate deductible. This means the full family deductible must be met before the health plan’s coinsurance covers expenses for any one covered member.

With this plan, you will have a Health Savings Account (HSA) that you can use to pay for healthcare with pretax dollars.

Signature Plan

This works best for heavier users of healthcare. It offers lower deductibles and fixed copays for 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 covers their expenses, even if the full family deductible amount has not been met.

In-network care

Preventive care is 100% covered in both plans when in-network providers are used. This is to encourage employees and their dependents to get their appropriate check-ups and screenings.

Because we are proud of the care we provide, using a health system provider is the most affordable option in both plans. The second-lowest cost option is for in-network providers. Learn more about provider networks.

Understanding the HSA Advantage Plan

Employees who choose the HSA Advantage Plan will have a health savings account to help pay for healthcare expenses with pretax dollars.

Here are important things to know about electing an HSA:

  • The health system provides “seed” money to support employees with healthcare expenses. The money is deposited the first week of January 2023.
    • Individual coverage: $500
    • Family coverage: $1,000
  • 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:
    • $3,850 for individual coverage
    • $7,750 for family coverage
    • Employees 55 and older may contribute an additional $1,000
  • Think of an HSA as a guaranteed discount on money you’re already going to spend on eligible healthcare expenses (braces, prescription drugs, copays for medical care and much more).
  • Funds in an HSA roll over from year to year.
  • HSA funds are 100% yours and the money goes with you if you leave the health system.
  • You can invest the money in your HSA.
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This chart shows the deductibles (ded), coinsurance (coins) or copays for different services under each plan. Preventive care is free in both plans.

HSA Advantage Plan

Signature Plan

Single

$1,500

$3,000

$6,000

$400

$1,500

$2,000

Family

$3,000

$6,000

$12,000

$800

$3,000

$4,000

Out-of-Pocket Maximum

Single

$4,000

$4,000

$19,800

$4,000

$4,000

$10,500

Family

$8,000

$8,000

$39,600

$8,000

$8,000

$21,000

10%

30%

40%

10%

30%

40%

Office Visit

Primary care (in-office or virtual visit)

Ded+10% coins

Ded+30% coins

Ded+40% coins

$20 copay

$30 copay

Ded+40% coins

Specialist (in-office or virtual visit)

Ded+10% coins

Ded+30% coins

$40 copay

$60 copay

Covered at 100%

Covered at 100%

Covered at 100%

Covered at 100%

Outpatient therapy (speech, hearing, physical, occupational)

Ded+10% coins

Ded+30% coins

$40 copay

Ded+30% coins

Urgent care

Ded+10% coins

Ded+30% coins

$40 copay

$60 copay

Inpatient/Outpatient Services

Emergency Department

Ded+10% coins

Ded+30% coins

Ded+30% coins*

Ded+10% coins

Ded+30% coins*

Ded+30% coins*

Inpatient hospital services

Ded+40% coins

Ded+40% coins

Outpatient hospital services

High-tech radiology services (MRI, CT, PET scan)


*To ensure access to emergency care, coinsurance will be applied after the member meets the deductible for in-network care.

Per-paycheck premiums for medical insurance

The chart shows how much you will pay out of your paycheck for medical insurance, along with the larger portion paid by the health system to support each employee.

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 on your medical plan.

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Per-Paycheck Premiums*

HSA Advantage Plan

Signature Plan

COLOR

BlueSelect Plus network

BlueSelect Plus network

Employee pays

Health system pays

Employee pays

Health system pays

Employee only

$34.00

$386.15

$63.00

$356.25

Employee + spouse

$142.00

$698.31

$215.00

$623.51

Employee + children

$116.00

$664.41

$184.00

$591.62

Employee + family

$194.00

$1,085.56

$295.00

$1,004.68


* Taken from 24 paychecks per year.

Per-Paycheck Premiums*

HSA Advantage Plan

Signature Plan

COLOR

BlueSelect Plus network

BlueSelect Plus network

Employee pays

Health system pays

Employee pays

Health system pays

Employee only

$34.00

$386.15

$63.00

$356.25

Employee + spouse

$98.00

$742.31

$215.00

$623.51

Employee + children

$79.00

$701.41

$147.00

$628.62

Employee + family

$130.00

$1,149.56

$295.00

$1,004.68


* Taken from 24 paychecks per year.