No matter which plan design option or health plan you choose, the same in-network services are covered (Uniform Benefits). The main differences are premiums, how much you pay when you visit a provider, if you can see providers locally or nationwide, and out-of-network benefits.
| High Deductible Health Plan (HDHP) | IYC Health Plan | Access HDHP | Access Plan | |
|---|---|---|---|---|
| Monthly Payment (Premium) | $ | $$ | $$$ | $$$$ |
| Cost Per Visit | $$$$ | $$ | $$$$ | $$ |
| In-Network Provider Availability | Local | Local | Nationwide* See Access Plan by Dean Health Plan for more details | Nationwide* See Access Plan by Dean Health Plan for more details |
| Nationwide Pharmacies | ✔ | ✔ | ✔ | ✔ |
| Out-of-Network Benefits | Emergency and urgent care only | Emergency and urgent care only | ✔ | ✔ |
| Available Health Plans | Many plans See the Health Plan Search for available health plans and provider directories | Many plans See the Health Plan Search for available health plans and provider directories | Administered by Dean Health Plan | Administered by Dean Health Plan |
Employer may add money Individual / Family | $828 / $1,650 For eligible employees, not available for retirees | n/a | $828 / $1,650 For eligible employees, not available for retirees | n/a |
*Access plans offer worldwide out-of-network benefits.