Medical Plan Summary of Benefits

Comparative Features

High Deductible Health Plan (HDHP) Benefits

Covered Employees Elect Either a Companion HSA or HRA

In-NetworkOut-of-Network
Deductible

Individual$2,500

N/A (In- and out-of-network Deductible

cross-accumulate

Family$5,000
Out-of-Pocket (OOP) Maximum

Individual

$4,000

N/A (In- and out-of-network Deductible

cross-accumulate

Family$8,000
*within Family coverage, Individual Max also applies$4,000

The OOP max includes deductible, coinsurance, and any other covered medical expenses
SPU Funding to offset Deductible for HSA Plan

Individual HSA Plan: Up to $1,608, (assuming 12-months of participation and employee meets full dollar-for-dollar match)

Family HSA Plan: Up to $3,016 (assuming 12-months of participation and employee meets full dollar-for-dollar match)

SPU Funding to offset Deductible for HRA Plan

Individual HRA Plan: SPU makes $1,008 available for reimbursement

Family HRA Plan: SPU makes $2,016 available for reimbursement

Coinsurance - You pay:10%40%
Office Visits

No copay; You pay 10% AFTER Deductible

No copay; You pay 40% AFTER Deductible

Preventive Care

  • Routine Physicals (Adult exams)
  • Routine Well-Child Exams
  • Routine Mammograms
  • Routine DRE/Prostate Antigen Test/Exam for males
  • Routine Colorectal Cancer Screening



Covered 100%; deductible waived

Diagnostic mammograms covered under Diagnostic Lab/X-ray


In-Network Diagnostic Lab/X-ray Outpatient

No copay; You pay 10% AFTER Deductible

No copay; You pay 40% AFTER Deductible

Urgent Care Provider (both In and Out-of-Network)

No copay; You pay 10% AFTER Deductible

Emergency Room (both In and Out-of-Network)

No copay; You pay 10% AFTER Deductible

Ambulance (both In and Out-of-Network)

No copay; You pay 10% AFTER Deductible

Hospital - Inpatient (both In and Out-of-Network)

No copay; You pay 10% AFTER Deductible

Prescription Drugs


In-Network - Pharmacy – Retail

10% (generic) /20% (preferred brand)/30% (non-preferred brand) AFTER Deductible

  • Full cost of prescriptions accumulate towards the deductible
  • Specific Generic Preventive drugs covered at 100% with deductible waived
  • Other Brand-Name Preventive drugs require you pay 20% or 30% with deductible waived


Not covered

Pharmacy – Mail Order Drug (90 day supply)

10% (generic) /20% (preferred brand) /30% non-preferred brand) AFTER Deductible

  • Full cost of prescriptions accumulate towards the deductible 
  • Specific Generic Preventive drugs covered at 100%, deductible waived 
  • Other Brand-Name Preventive drugs require you pay 20% or 30% with deductible waived
  • Shop pharmacies for lowest price


Not covered