Which Plan is Best for Me?

Below are descriptions of each medical plan in comparison to the other in order to help you decide which medical benefit is the best fit for you!

Feature

Anthem HRA

(Gold/Silver/Bronze)

Anthem HMO

UHC HMO

UHC HDHP

Kaiser HMO

Deductible

High (varies by tier)

Lowest

Lowest (same as Anthem HMO)

Highest

None

Copays

No Copays

Yes (Office, ER, Rx)

No Copays

Yes (Office, ER, Rx)

Coinsurance After

Deductible

Yes

Yes (most services)

Yes (all services)

None

Out-of-Pocket Max

High

Lower than HRA

Highest

Higher the HMO

Pharmacy Coverage

Coinsurance

(min/max per Rx)

Copay, then 100%

Subject to coinsurance

and deductible

Copay then 100%

Preventative Care

100% covered before deductible

100% Covered

Health Account

HRA (Rolls over yearly)

None

HSA Eligible

(Set up separately)

None

Network Type

In-Network Only (Anthem)

In-Network Only

In-Network Only (UHC)

In-Network Preferred

In-Network Only

Monthly Premiums

Moderate-to-High

Higher than HDHP

Lowest

Moderate

*Tip: Consider how often you visit the doctor, your prescription needs, and your budget for monthly premiums and out-of-pocket costs when choosing a plan.