Your first choice: HMO or PPO?
Click on a plan type for more information on the plans we offer.

Custom Choice HMO: With our HMO plans, most covered services require a flat dollar copayment or coinsurance, making your health care an easily budgeted expense. Care must be received from our broad network of participating providers.

Custom Choice PPO: With our PPO plans, covered services require a flat dollar copayment or coinsurance (a percentage of the cost of the service). Your coverage is greatest when you see preferred providers, although you will receive coverage at a lower level when you see non-preferred providers. You also have the option of selecting a High-Deductible Health Plan (HDHP) that can be coupled with health savings accounts (HSAs). You can enjoy the flexibility of a PPO benefit design, pay for qualified expenses tax-free and earn interest on the money you don’t spend. All of our HDHPs include pharmacy coverage. You can also customize your HDHP by choosing the deductible, the out-of-pocket maximum or electing maternity coverage.

Standard PPO: Our Standard PPO plans offer a lower-cost alternative to more comprehensive PPO plans. Like any of our PPO plans, you choose your deductible and out-of-pocket maximum. Tier 1 prescription drug coverage is automatically included.

Short-Term Medical Plans: With our Short-Term plans you gain temporary coverage for yourself or your family. You have the flexibility of choosing your start date, deductible, out-of-pocket maximum and provider. Keep in mind you will pay less if you see a participating provider. You also receive Tier 1 prescription drug coverage.