Ensign offers a choice of medical plans designed to help you and your family maintain good health and offer protection from the financial burden of a serious illness or injury. Deciding which plans is best for you depends on your specific health care needs, provider preferences, budget and lifestyle. You can select from the options shown below.

When you enroll in the PPO 1500, EPO 2000, PPO 5000, or Kaiser CA HMO 2000, you can open a Health Savings Account (HSA) with HealthEquity which is funded by you with tax-free dollars. You can use the money in an HSA to help pay eligible health care expenses, including deductibles, copays and coinsurance. Click here for more information about the Health Savings Account.

2023 Medical Plans

This plan exclusively covers you for in-network doctors and facilities and gives you access to Blue High Performance Network (HPN) providers in certain geographic locations based on your zip code. Blue HPN providers are selected based on delivery of quality, affordable care offering savings to Affiliate employees in exchange for a smaller provider network and the lowest paycheck deduction.

Refer to the 2023 Benefits Guide for more information about the Value Copay Plan.

You can see both in-network and out-of-network doctors without a referral, but keep in mind staying in-network for care will almost always be cheaper. To help with your share of costs, the plan comes with a Health Savings Account (HSA) that you can contribute to.

Refer to the 2023 Benefits Guide for more information about the Choice HSA PPO Plan.

This plan has a lower deductible and exclusively covers you for in-network doctors and facilities. Except in the case of an emergency, you’ll pay the full price for any out-of-network care.

Refer to the 2023 Benefits Guide for more information about the Premier EPO Plan.

You can select this plan if you live in California in a Kaiser Permanente service area. This plan exclusively covers you when you use Kaiser Permanente doctors and facilities. Except in the case of an emergency, you’ll pay the full price for care you receive from a non-Kaiser doctor or facility. To help with your share of costs, this plan comes with a Health Savings Account (HSA) that you can contribute to..

View an overview of the Kaiser CA HMO 2000 with HSA.

You can select this plan if you live in San Diego County, California. This plan exclusively covers you when you access SIMNSA Premier Access HMO providers. The plan covers many health services at 100%. Some services require a small copayment. You are not required to choose a primary care physician to manage your care. Except in the case of an emergency, you’ll pay the full price for care you receive from a non-SIMNSA doctor or facility.

View an overview of the SIMNSA Baja CA Premier Access HMO.

2022 Medical Plans

This plan has a lower deductible and exclusively covers you for in-network doctors and facilities. Except in the case of an emergency, you’ll pay the full price for any out-of-network care.

NOTE: If you are currently enrolled in the EPO 500 and you do not make a new medical plan election during the 2023 Open Enrollment period (Oct. 28 – Nov. 11, 2022), your coverage will default to the Premier EPO starting January 1, 2023.

View an overview of the EPO 500.

With this option, you can see both in-network and out-of-network doctors without a referral, but keep in mind staying in-network for care will almost always be cheaper. To help with your share of costs, this plan comes with a Health Savings Account (HSA) that you can contribute to.

NOTE: If you are currently enrolled in the PPO 1500 with HSA and you do not make a new medical plan election during the 2023 Open Enrollment period (Oct. 28 – Nov. 11, 2022), your coverage will default to the Choice HSA PPO Plan starting January 1, 2023.

View an overview of the PPO 1500 with HSA.

This plan exclusively covers you for in-network doctors and facilities. Except in the case of an emergency, you’ll pay the full price for any out-of-network care. To help with your share of costs, this plan comes with a Health Savings Account (HSA) that you can contribute to.

NOTE: If you are currently enrolled in the EPO 2000 with HSA and you do not make a new medical plan election during the 2023 Open Enrollment period (Oct. 28 – Nov. 11, 2022), your coverage will default to the Choice HSA PPO Plan starting January 1, 2023.

View an overview of the EPO 2000 with HSA.

This plan exclusively covers you for in-network doctors and facilities. Because this is a copay plan, you’ll usually pay a fixed amount when you see in-network providers, and the plan will pay for the rest. Except in the case of an emergency, you’ll pay the full price for any out-of-network care.

NOTE: If you are currently enrolled in the Copay 5000 and you do not make a new medical plan election during the 2023 Open Enrollment period (Oct. 28 – Nov. 11, 2022), your coverage will default to the Value Copay Plan starting January 1, 2023.

View an overview of the Copay 5000.

With this option, you can see both in-network and out-of-network doctors without a referral, but keep in mind staying in-network for care will almost alwasy be cheaper. To help with your share of costs, this plan comes with a Health Savings Account (HSA) that you can contribute to.

NOTE: If you are currently enrolled in the PPO 5000 with HSA and you do not make a new medical plan election during the 2023 Open Enrollment period (Oct. 28 – Nov. 11, 2022), your coverage will default to the Choice HSA PPO Plan starting January 1, 2023.

View an overview of the PPO 5000 with HSA.

You can select this plan if you live in California in a Kaiser Permanente service area. This plan exclusively covers you when you use Kaiser Permanente doctors and facilities. Except in the case of an emergency, you’ll pay the full price for care you receive from a non-Kaiser doctor or facility. To help with your share of costs, this plan comes with a Health Savings Account (HSA) that you can contribute to..

View an overview of the Kaiser CA HMO 2000 with HSA.

You can select this plan if you live in San Diego County, California. This plan exclusively covers you when you access SIMNSA Premier Access HMO providers. The plan covers many health services at 100%. Some services require a small copayment. You are not required to choose a primary care physician to manage your care. Except in the case of an emergency, you’ll pay the full price for care you receive from a non-SIMNSA doctor or facility.

View an overview of the SIMNSA Baja CA Premier Access HMO.