The HPM Health Plan Plan offers two different plan structures with a wide range of deductible and out-of-pocket maximums to choose from. On all plans, preventive services, as defined by the Affordable Care Act, are covered before deductible at 100% as long as network providers are used. Please see the Preventive and Wellness tab for more information.
The Comprehensive Plan (Comp) is a traditional plan with some eligible benefits being paid before the deductible is met. For more information on the benefits included with the Comp plans click here.
Deductible, coinsurance, and out of pocket maximums for the Comp plans include:
COMPREHENSIVE MEDICAL BENEFIT OPTIONS
Plan Deductible Coinsurance Max OOP 500 $500/$1,000 80% $2,000/$3,500 1000 $1,000/$2,000 80% $3,500/$6,500 1000 $1,000/$2,000 70% $5,950/$11,900 1500 $1,500/$3,000 80% $5,000/$9,500 2200 $2,200/$4,400 80% $6,750/$13,000 2200 $2,200/$4,400 70% $8,250/$16,500 3000 $3,000/$6,000 80% $6,750/$13,000 4000 $4,000/$8,000 80% $6,750/$13,000 4000 $4,000/$8,000 70% $8,250/$16,500 5000 $5,000/10,000 80% $6,750/$13,000
The second plan option is a High Deductible Health Plan (HDHP) that qualifies the enrollee to open a Health Savings Account (HSA). To be HSA qualifying, this plan follows the federal regulations governing HDHP’s, and therefore, all claims will apply to the deductible until met, including prescription claims. For more information on the HDHP plans please click here.
HDHP plan deductible, coinsurance, and out-of-pocket maximums include:
HIGH DEDUCTIBLE PLAN (HDHP) HSA-COMPATIBLE BENEFIT OPTIONS
Plan Deductible Coinsurance Max OOP 3200 - 80% $3,200/$6,400 80% $6,950/$13,500 3200 - 100% $3,200/$6,400 100% $3,200/$6,400 3500 - 70% $3,500/$7,000 70% $7,750/$15,000 3500 - 80% $3,500/$7,000 80% $6,950/$13,500 3500 - 100% $3,500/$7,000 100% $3,500/$7,000 4000 - 80% $4,000/$8,000 80% $6,950/$13,500 4000 - 100% $4,000/$8,000 100% $4,000/$8,000 4500 - 70% $4,500/$9,000 70% $7,750/$15,500 4500 - 80% $4,500/$9,000 80% $6,950/$13,500 4500 - 100% $4,500/$9,000 100% $4,500/$9,000 5000 - 80% $5,000/$10,000 80% $6,950/$13,500 5000 - 100% $5,000/$10,000 100% $5,000/$10,000 5500 – 80% $5,500/$11,000 80% $6,950/$13,500 5500 – 100% $5,500/$11,000 100% $5,500/$11,000 6000 - 70% $6,000/$12,000 70% $7,750/$15,500 6000 - 80% $6,000/$12,000 80% $6,950/$13,500 6000 - 100% $6,000/$12,000 100% $6,000/$12,000 6900 – 100% $6,900/$13,800 100% $6,900/$13,800 7500 - 100% $7,500/$15,000 100% $7,500/$15,000