Employees pay a flat dollar amount when visiting a healthcare professional or filling a prescription. Copay plans require a copayment for illness- and injury-related in-network doctor's office visits. Employees have 100% coverage for preventive services, like annual exams, when in-network doctors are used. Prescription drug coverage is also included.
Health maintenance organization (HMO) plan members enjoy a large network and lower premiums.
National point of service (NPOS) plan members are free to go to any healthcare professional, but can keep their costs low by staying within the network.
Preferred provider organization (PPO) plan members have the flexibility to go to their choice of doctors—no referrals needed.