HMO Silver Proactive The most “cost effective” if you are relatively healthy. This plan splits the network into 3 “tiers” where tier 2 & 3 providers cost more. There is a deductible that only applies to tier 2 & 3 hospitals / outpatient facilities… so larger ticket items should be done at a tier 1 facility Benefit Summary Rates per person Facility Tiers Find a Doctor For “Your Plan” select “Medical” then “Keystone HMO Proactive” HMO Gold Proactive Like the HMO Silver Proactive but with lower copays and no deductible. Note that both St Christophers & CHOP are tier 2… so if you have kids… this might be a necessary option. However, check out the state run CHIP, It’s cheaper and better! Benefit Summary Rates per person Facility Tiers Find a Doctor For “Your Plan” select “Medical” then “Keystone HMO Proactive” PPO Silver Secure A health insurance option with national coverage. The HMO options are great for the Philadelphia area, but if you live / travel outside the the Philadelphia are then ANY “Blue Cross” or “Blue Shield” across the country will be considered in-network! Benefit Summary Rates per person Find a Doctor For “Your Plan” select “Medical” then “Personal Choice PPO” HEALTHY Health Insurance If you are healthy and just want catastrophic coverage, we have a great option for you! PLUS, you can purchase this insurance PRE-TAX (above the line) instantly saving you 30-40%! Your total catastrophic medical costs would be capped at $5000* and your premiums might be: 30 years old: $136.17 per month 40 years old: $170.45 per month 50 years old: $257.50 per month 60 years old: $355.09 per month * Rates dependent upon medical underwriting; Pre-existing medical exclusion conditions apply (like insurance before the Affordable Care Act). Emergency Room & Urgent Care Copays do not count towards catastrophic medical costs. Prescription drug are not covered. These plans should only be considered if you are very healthy. Claims Funding Pool A portion of our revenue goes into a medical funding pool that will help our members pay when high cost claims are incurred. Because we’re all fellow travelers on this planet. NOTE: we typically require copays / coinsurance amount of greater than $1000 to be considered for reimbursement. Help Navigating the System You’ll have an HR department that really works to help you navigate the health insurance system and make the best choices to help you get the most out of your benefits.