Making your Selection
You have three decisions to make when it comes to selecting your health insurance option - the Plan, the Carrier, the Premium Level. Pharmacy benefits differ depending upon the Health Insurance Plan you select.
2020 Eligibility Enrollment Guide
Select your Plan:
Premier PPO or Standard PPO or Consumer Drive Health Plan/Health Savings Account (CDHP/HSA)
Each plan has different out-of-pocket costs for copays, deductibles, coinsurance and out-of-pocket maximums. For all options, you won't pay anything for eligible preventive care - it's covered at 100% as long as you use an in-network provider.
Comparison of Health Insurance 2021 Plans
- Premier PPO: Premiums are higher but you pay less for copays at the doctor's office and pharmacy than the Standard PPO and less in coinsurance than the Standard and CDHP.
- Standard PPO: Premiums are lower than the Premier PPO but you pay more for copays at the doctor's office and pharmacy.
- CDHP/HSA: Premiums are lower and lower out of pocket maximum, but you have a higher deductible. How does CDHP/HSA work?
Then select your Carrier:
Blue Cross/Blue Shield Network S or Cigna LocalPlus or Cigna OAP
Each carrier has its own network of doctors, hospitals, and other health care providers across Tennessee and the country. Providers can move in and out of networks Call member services or search the carrier's online directory for the doctors or hospital you want when making your choice. If you use providers outside of the network, you will be charged out-of-network rates. Read MORE...
NOTE: CHI Memorial Health Care System/facilities is NOT in the Cigna LocalPlus network. Services at any Memorial Health Care System/facilities will be considered out-of-network.
And select your Premium Level
2020 monthly premiums for Employee; Employee + Spouse; Employee + Child(ren); Employee + Spouse + Child(ren)
Pharmacy benefits are included when you and your dependents enroll in a health plan. The plan you choose determines the out-of-pocket prescription costs. How much you pay for your drug depends on whether it is a generic, brand or non-preferred brand the day-supply. CVS Caremark administers pharmacy benefits. Read MORE...