Plan Design Options

No matter which plan design option or health plan you choose, the in-network coverage is the same (Uniform Benefits). The main differences are premiums and out-of-network benefits.

Below are the health plan designs you have to choose from. Take a moment to compare these options and choose the plan design that fits best with your situation. For benefit information, see the Breakdown of Your Costs by Plan Design.

 

Employee and Retiree without Medicare

	It’s Your Choice Local Health Plan	It’s Your Choice Local Access Plan
Monthly Payment (Premium)	$$$$	$$$$
Cost-Per-Visit See breakdown of your costs	$$$$	$$$$
Health Plan Selection	See Interactive Map for available health plans and provider directories	Administered by WEA Trust
Statewide / Nationwide Access All plans include nationwide pharmacy coverage; visit www.navitus.com for in-network pharmacies	See Interactive Map for more details	✔
Out-of-Network Benefits	Emergency and urgent care only	✔

Retirees With Medicare

The table below highlights key differences between the available Medicare plan design options.

 

	It’s Your Choice Health Plan Medicare	It’s Your Choice Medicare Plus
Monthly Payment (Premium)	$$$	$$$
Coverage Area Emergency and urgent care are covered out-of-network for all plans	Local, county-based	Worldwide
Administered By	Many health plans, see Interactive Map for more details	WEA Trust
Coverage Includes Items Not Covered by Medicare	✔ Hearing aids, routine hearing and vision exams, durable medical equipment	✘ Only helps pay for items partially covered by Medicare
Skilled Nursing Facilities Covered length of stay		Medicare Approved Facility Non-Medicare Approved Facility