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Medical

Choose from two types of medical plans: Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO). PPOs provide the most flexibility in your choice of health care providers while HMOs require you to see providers in their network.

Contact the individual plan carriers for answers to your health care questions. For more on this topic, see Selecting A Plan.

Kaiser Permanente, Health Net and PacifiCare HMOs

For full-time employees, the Kaiser Permanente HMO plan is offered at no cost when you cover yourself only. If you have eligible dependents, you pay a portion of the cost of their coverage. Under the Kaiser HMO, you do not have to select a Primary Care Physician (PCP) when you enroll, but you must get your care at a Kaiser facility. With Health Net and PacifiCare, you must choose a Primary Care Physician. All three HMO plans provide coverage for emergency care worldwide.

Blue Shield PPO

The Blue Shield PPO plan allows you the freedom to go to any network provider or to the provider of your choice outside the network. While the choice is yours, each time you need care, your out-of-pocket costs are substantially lower and more predictable when you go to a Blue Shield network provider.

Blue Shield High Deductible PPO

The High Deductible PPO plan works the same as the Blue Shield PPO plan, but with a much larger out-of-pocket deductible. There are no copayments with this plan. Instead, all benefits, including prescription drugs, are covered after you meet your deductible. This plan qualifies for a personal Health Savings Account (HSA), which allows you to put money aside on a tax-deductible basis to pay for medical expenses.

Compare medical plans.

Calculate your health care costs.

HSA & Blue Shield: Making Them Work Together
Streaming Flash Presentation. 10/15/09

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