Medical Comparison

Options for you and your family's health and financial well-being

Choosing the right medical plan is like choosing the right car. When buying a car, you take into consideration the cost of the car along with related expenses such as insurance and gas.

Apply the same logic to making the right medical plan decision. First consider the premium. Then think about expenses the plans does not cover such as deductibles and coinsurance.

The Preferred Provider Organization (PPO) plan includes an FSA in which you can contribute pre-tax dollars to use for eligible medical expenses. Each time you visit the doctor or receive health care services, you can use your pre-tax dollars towards the expenses.

The High Deductible Health Plan (HDHP) plan includes an HSA which covers incurred expenses by paying them from this allocation until the contribution dollars are exhausted.

Coverage Information and Rates

PPO

In Network Out Of Network
General Services
Annual Deductible/Individual $800 $1,600
Annual Deductible/Family $1,600 Embedded $3,200 Embedded
Annual Out-of-Pocket Limit/Individual $3,500 $7,000
Annual Out-of-Pocket Limit/Family $7,000 $14,000
Office Services
Office Visit/Exam $20 40% coinsurance
Specialist Visit $40 40% coinsurance
Urgent Care $40 40% coinsurance
Preventative Services 100% Covered 40% coinsurance
Hospital Services
Inpatient Hospital 20% After Deductible 40% coinsurance
Outpatient Surgery 20% After Deductible 40% coinsurance
Emergency Room $300 + 20% After Deductible 40% coinsurance
Prescription Drugs
Retail (30 day supply)
Generic $10 No Coverage
Brand $30 No Coverage
Non-Formulary $50 No Coverage
Specialty $200 No Coverage
Retail Maintenance (90 day supply)
Generic $30 No Coverage
Brand $90 No Coverage
Non-Formulary $150 No Coverage
Specialty Available 30 days retail only No Coverage
Mail Order (90 day supply)
Generic $30 No Coverage
Brand $90 No Coverage
Non-Formulary $150 No Coverage
Specialty Available only 30 days retail No Coverage

HDHP

In Network Out Of Network
General Services
Annual Deductible/Individual $1,800 $3,600
Annual Deductible/Family $3,600 Non-Embedded $7,200 Non-Embedded
Annual Out-of-Pocket Limit/Individual $4,000 $8,000
Annual Out-of-Pocket Limit/Family $8,000 $16,000
Office Services
Office Visit/Exam 20% After Deductible 40% After Deductible
Specialist Visit 20% After Deductible 40% After Deductible
Urgent Care 20% After Deductible 40% After Deductible
Preventative Services 100% Covered 40% coinsurance
Hospital Services
Inpatient Hospital 20% After Deductible 40% After Deductible
Outpatient Surgery 20% After Deductible 40% After Deductible
Emergency Room 20% After Deductible 40% After Deductible
Prescription Drugs
Retail (30 day supply)
Generic $10 After Deductible No Coverage
Brand $30 After Deductible No Coverage
Non-Formulary $50 After Deductible No Coverage
Specialty $200 After Deductible No Coverage
Retail Maintenance (90 day supply)
Generic $30 After Deductible No Coverage
Brand $90 After Deductible No Coverage
Non-Formulary $150 After Deductible No Coverage
Specialty Available 30 days retail only No Coverage
Mail Order (90 day supply)
Generic $30 After Deductible No Coverage
Brand $90 After Deductible No Coverage
Non-Formulary $150 After Deductible No Coverage
Specialty Available only 30 days retail No Coverage
Employee Monthly Premium FORVIS' portion Employee portion
Employee Only 707.00 489.00 218.00
Employee & Spouse 1,545.00 1,067.00 478.00
Employee & Child(ren) 1,326.00 902.00 424.00
Employee & Family 2,208.00 1,568.00 640.00
Employee Monthly Premium FORVIS' portion Employee portion
Employee Only 516.00 402.00 114.00
Employee & Spouse 1,128.00 880.00 248.00
Employee & Child(ren) 968.00 754.00 214.00
Employee & Family 1,612.00 1,258.00 354.00

*Partner pays total monthly premium.