Choosing the Best Health Plan
|Question: What health plan is best for me?
The university offers a number of health plan options: a managed care plan, a health maintenance organization (HMO), a preferred provider organization (PPO), and a traditional “fee-for-service” plan. The health plan options differ in the benefit levels they provide, the doctors and hospitals you can use, and the cost to you. You can make the best choice from the available plans sponsored by the university by learning about the various options offered.
When deciding which health plan will work best for your individual and family needs, you will want to review the following areas of each plan:
• Services that are covered (annual physicals, preventive care, etc.)
• Out-of-pocket costs (annual deductibles, co-pays, or post deductible co-insurance)
• Providers that participate in the plan (PCP’s, doctors, and hospitals)
• Referrals and prior approval requirements, including while traveling
• Location of medical facilities in relation to your home or work
Every effort has been made to ensure the accuracy of
the information in this site. However, if any provision on these documents is unclear or ambiguous,
University Human Resources reserves the right to interpret the document and resolve the problem. If any
inconsistency exists between this site and any written plans or contracts, the actual provisions of the
latter will govern. The University in its sole discretion may modify, amend, or terminate the contents
of these documents with respect to any eligible individual - including active employees, retirees, and
their dependents. |