You have several medical plan options to choose from. Each offers a different level of coverage and associated cost. Your choices may include:
- A Preferred Provider Organization (PPO) Plan,
- A Point-of-Service (POS) Plan,
- A High Deductible Health Plan (HDHP), and
- A Health Maintenance Organization (HMO).
| Preferred Provider Organization (PPO)Plan | Point-of-Service (POS) Plan |
High Deductible Health Plan | Health Maintenance Organization (HMO) |
|
|---|---|---|---|---|
| JHU Medical Plan | CareFirst BlueCross® BlueShield® Plan | EHP Classic (faculty & staff only)
|
CareFirst BlueCross Blue Shield HDHP (faculty & staff only)
|
BlueChoice HMO (LIUNA BU only) |
| Network of Providers | Allows you to go in-network or out-of-network every time you need care. You generally pay more for out-of-network care. | Allows you to go in-network or out-of-network every time you need care. You generally pay more for out-of-network care. | Allows you to go in-network or out-of-network every time you need care. You generally pay more for out-of-network care. | In-network care only. You select a primary care physician (PCP) who coordinates all of your care in the network. |
| Out of Pocket Expenses | After the annual deductible has been met, you pay a percentage of the cost of the service received (called “coinsurance”). | After the annual deductible has been met, you pay a percentage of the cost of the service received (called “coinsurance”). | After the annual deductible has been met, you pay a percentage of the cost of the service received (called “coinsurance”). | Most services require a flat co-payment amount at the time care is received. |
| Access to Pre-Tax Spending Accounts | Eligible for Health Care Flexible Spending Account (FSA) | Eligible for Health Care Flexible Spending Account (FSA) | Eligible for Health Savings Account (HSA) Also eligible for Limited Purpose FSA (for eligible dental and vision care expenses only) |
Eligible for Health Care Flexible Spending Account (FSA) |
For help in choosing the medical plan that is best for you and your family, consider using the following two tools.
- 2023 Faculty & Staff Medical Plan Coverage Comparison Chart: Use this resource to compare coverage of the faculty and staff medical plans side by side.
- Ask ALEX! ALEX, our interactive decision support tool for faculty and staff, acts as a virtual benefits counselor to help you learn more about your benefit options so you can choose what’s best for you.
- 2023 LIUNA BU Medical Plan Coverage Comparison Chart: Use this resource to compare coverage of the LIUNA Bargaining Unit medical plans side by side.