Which Plan Is Right for Me — the EPO Plan, PPO Plan or HDHSA Plan? Choosing the most cost-effective health plan is more than just signing up for the one with the lowest paycheck deduction. EPO Plan The EPO Plan provides access to a narrow network of healthcare providers that are either a part of our health system or considered our preferred partners. This means that the plan will allow for eligible medical services as long as you visit a healthcare provider — doctor, hospital or other place offering health care services — within our narrow EPO network. With this plan, the cost shared by you will be lower, whether that is through premiums, copays, deductibles or your out-of-pocket-maximum limit for the year. The plan offers a $250 individual and $500 family deductible and a $0 copay for PCP of昀椀ce visits. Upon enrolling in the EPO Plan, you will gain access to providers who offer high quality care and who are more clinically integrated with our organization’s electronic medical record system, allowing for more comprehensive care. In addition, you can designate a primary care provider (PCP) that can act as your personal health advocate and coordinate your healthcare. It’s important to know that coverage for medical services outside of the EPO network will only be allowed in the event a medical service is needed that is not available within the network. In an emergency, however, eligible services will be covered. This plan may be a better option for those who would like lower deductibles and copays at time of service as well as overall reduced out-of-pocket expense. PPO Plan The PPO health plan design has higher deductibles, coinsurance and copays than the EPO Plan, and continues to offer out-of-network coverage for most services. The pharmacy design copays remain the same including the specialty copays — $100 if 昀椀lled at RxONE and $150 if 昀椀lled by Express Scripts. If you reside outside of Louisiana or Mississippi, you are eligible for out-of-area coverage at the Tier 2 coverage level if you see a BCBS provider in your home state. The out-of-area coverage is based solely upon the employed team member’s address outside of Louisiana or Mississippi. The PPO has higher monthly premiums, but offers out-of- network coverage if needed. This plan choice is bene昀椀cial for those individuals who need out-of-area coverage or need a broader network coverage including out-of-network coverage. HDHSA Plan The HDHSA Plan design has higher deductibles and out-of-pocket maximums along with FMOLHS funding. FMOLHS will provide $750 individual and $1500 family contribution to your HSA account to help with out-of-pocket medical expenses. The deductibles for the HDHSA Plan are $1,750 individual and $3,500 family. If you can take on more 昀椀nancial risk, perhaps you might consider the HDHSA Plan. With a High Deductible Health Plan and a Health Savings Account (HSA), you can save additional pre-tax dollars to pay for medical expenses. You decide how to spend your dollars. Unused HSA dollars roll over from year-to- year. (There are restrictions and limitations to enrollment in the HSA.) 14