Compare Plans

You have four medical plan options to choose from. Each offers a different level of coverage and associated cost. Your choices may include:

  • An Indemnity Plan,
  • A Point-of-Service (POS) Plan,
  • A High Deductible Health Plan (HDHP), and
  • A Health Maintenance Organization (HMO).
Indemnity Plan Point-of-Service
(POS) Plan
High Deductible Health Plan Health Maintenance
Organization (HMO)
JHU Medical Plan CareFirst BlueCross® BlueShield® Plan

CareFirst Plan III

EHP Classic CareFirst BlueCross Blue Shield HDHP BlueChoice HMO

Kaiser Permanente HMO

Network of Providers Allows you to use any provider for any service. 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.