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Choosing a Medical Plan

On this page: Similarities and differences | Plan-specific summaries | Additional information

Similarities and differences between the plans


  • There are no pre-existing condition limits or waiting periods. After enrolling, coverage is effective from the first day of eligibility.
  • Services are comprehensive and include those that are traditionally covered by medical insurance: medical, prescription, behavioral health, transplants, durable medical equipment, home health care, skilled nursing, physical, occupational, and speech therapies, and chiropractic services.
  • Each plan's out-of-pocket expenses vary, but the types of services covered under the plans are the same.
  • Preventive services are covered at 100% when In-Network providers are used. Preventive services include contraceptive services and most birth control pills, physical exams, well-child visits, immunizations, lab tests (e.g., Pap, PSA, cholesterol), and other screening diagnostic services like mammograms and colonoscopies.
  • Each plan has annual out-of-pocket maximums for individual and family levels. Once the maximum is met, the plan pays 100% for in-network covered services for the remainder of the year.
  • There is no lifetime maximum benefit on medical services.


  • Premiums
  • Out-of-pocket expenses (deductibles, co-pays, and co-insurance)
  • Residency requirements (IUHQP is only available on some counties)
  • A unique tax-advantaged savings plan that is available to participants in the HDHP PPO & Health Savings Account
  • Vision Wear Benefit (available with HDHP, $900 Deductible, $500 Deductible)

Download plan-specific summaries

Additional information

Medical Plan Premium Rates

Review Medical Plan Benefit Comparison Chart

Preferred Providers and Customer Service Contacts

Find prescription information on the Medco/Express Scripts web site

Medco/Express Scripts Preventive Drug List (coming soon) – HDHP PPO Plan Only