Copay plans

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.

• Predictable payments– Employees are charged a flat amount for services, allowing them to plan ahead—no surprises.
• In-network convenience– By visiting an in-network doctor, employees avoid higher out-of-pocket rates.
• Annual exams are covered – Employees can have preventive services like annual exams covered at 100% with in-network doctors.

Copay : HMO

Health maintenance organization (HMO) plan members enjoy a large network and lower premiums.

Copay: NPOS

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.

Copay: PPO

Preferred provider organization (PPO) plan members have the flexibility to go to their choice of doctors—no referrals needed.