Traditional PPO
The Traditional PPO is an 80/20 co-insurance plan, which means the employee will pay 20 percent of allowable claims after the deductible is met and before out-of-pocket maximums are reached. Unlike the previous Trad 2 plan, this 80/20 allows for pharmacy claims to accrue to the out-of-pocket maximums.
The bi-weekly premium for Trad PPO, single coverage is $86.56 and family coverage is $231.16. Like CDHP, accepting the non-tobacco use incentive reduces the bi-weekly premium by $10. The deductible is $500 for single, in-network coverage and $1,000 for out-of-network. For family coverage, the in-network deductible is $1,000; with the out-of-network deductible set at $2,000.
The benefits match those of the CDHPs, including preventive services being covered at 100 percent.
2010 Rates (Traditional PPO)
|
|
|
Employee Premium |
Employer Premium |
Total Premium |
(Monthly) |
(Monthly) |
|---|---|---|---|---|---|---|
| Traditional PPO | Single Family |
$86.56 $231.16 |
$181.26 $505.02 |
$267.82 $736.18 |
$580.28 $1,595.06 |
$591.88 $1,626.96 |
| Traditional PPO w/ Non-Tobacco Use Incentive | Single Family |
$76.56 $221.16 |
$181.26 $505.02 |
$257.82 $726.18 |
$558.61 $1,573.39 |
$569.78 $1,604.86 |
Summary of Benefits - Traditional PPO
Traditional PPO Plan Description
