Medical
Your health matters and so does having the right coverage. That's why we offer several medical plan options so you can choose what works best for you and your family. Every plan includes medical and prescription drug coverage, and some options also give you access to special tools and accounts that help you save money and get quality care.
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FREE In-Network Preventive Care
Annual checkups help you stay healthy. Take care of yourself and your family by using your FREE in-network preventive care benefits each year! Preventive care visits allow you to take action early and keep treatable health issues from becoming chronic conditions.
Personify Nationwide Health Plans
Available nationwide, using the Blue Shield provider network:
Value Copay Plan
This plan uses in-network doctors and facilities only, and offers the lowest paycheck deductions. Employees living in High Performance Network (HPN) zip codes are automatically enrolled in HPN and do not have access to the broad network.
Choice HSA Plan
This plan lets you see in- or out-of-network doctors without a referral, though staying in-network usually costs less. You have the option to pair this plan with a Health Savings Account (HSA) that you can fund with pre-tax dollars to help cover your share of costs.
Premier EPO Plan
This plan gives you access to in-network doctors and facilities only, with a lower deductible than the other options. However, with the exception of an emergency situation, you’ll pay the full cost for any out-of-network care you’ll receive.
Regional Health Plan Options
Regional OptionsDepending on where you live, you may have additional options:
Centivo
PCP Partnership PlanBenefit from free primary care visits and predictable copays with referrals from your PCP. You’ll also have access to high-quality, in-network specialists.
Kaiser Permanente
HMO with HSAAll care is provided through Kaiser Permanente doctors and facilities. You also have the option to pair this plan with a Health Savings Account (HSA).
SIMNSA
Baja CA Premier Access HMOMany services are covered at 100%, with affordable copays for others. Unlike many HMOs, you don’t need to choose a primary care physician. Care can be provided in Mexico.
When deciding on a medical plan for you and your family, it’s important to consider the total cost of coverage. This includes what you pay in premiums and what you pay for services. While each medical plan covers in-network preventive screenings in full, the plans vary on annual deductibles, copays, coinsurance, and whether they’re eligible for a Health Savings Account (HSA).
| Benefit | Personify Health + Garner | Centivo | Kaiser | SIMNSA | ||
|---|---|---|---|---|---|---|
| Value Copay | Choice HSA | Premier EPO | PCP | HMO with HSA | HMO | |
| Region | Nationwide | Nationwide | Nationwide | AZ, CA, CO, KS, MO, TX, WA | CA, CO, OR, WA (Kaiser service areas only) | San Diego & Imperial counties, CA |
| Premium rates | $ | $$ | $$$ | $ | $$$ | $ |
| Annual deductible | $$$$ | $$ | $ | $ | $$$ | — |
| Copay for services¹Note 1:Copays may vary by plan. Some plans may charge a copay after the deductible is met, or have different copay structures depending on the type of service. | ✓ | — | ✓ | ✓ | — | ✓ |
| Coinsurance for services | 20% | 20% | 20% | — | 20% | ✓ |
| Primary Care Physician (PCP) required | — | — | — | ✓ | ✓ | ✓ |
| Referrals needed for specialists | — | — | — | — | ✓ | ✓ |
| Out-of-network coverage | — | ✓ | — | — | — | — |
| Eligible for HSA | — | ✓ | — | — | ✓ | — |
| Eligible for Health Care FSA | ✓ | — | ✓ | ✓ | — | ✓ |
| Eligible for Limited Purpose FSA | — | ✓ | — | — | ✓ | — |
| Eligible for Dependent Care FSA | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
View Table Footnotes
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