Choosing the health plan that is right for you is important. You want to make sure you’re covered for the year ahead, while ensuring you choose the most effective option based on your personal health needs. CONSIDER CONSIDER CONSIDER THE EPO THE PPO THE HDHSA PLAN PLAN PLAN MY HEALTHCARE NEEDS I HAVE A CHRONIC DISEASE, SEE SPECIALIST PHYSICIANS, AND/ OR TAKE SEVERAL BRAND PRESCRIPTION MEDICATIONS. I AM VERY HEALTHY, HAVE NO PLANNED MEDICAL PROCEDURES, TAKE ONE GENERIC PRESCRIPTION MEDICATION AND ONLY HAVE ROUTINE PREVENTIVE CARE. I HAVE A SURGERY SCHEDULED AND CAN USE TIER 1 PROVIDERS. I AM PREGNANT OR PLAN TO BECOME PREGNANT. I HAVE SAVED DOLLARS TO PAY TOWARD MY DEDUCTIBLE AND CAN AFFORD TO PAY THE CO-INSURANCE COSTS OF MY MEDICAL CARE. I HAVE YOUNG CHILDREN WHO ARE OFTEN SICK OR INJURED. I AM LOOKING FOR A HIGH DEDUCTIBLE PLAN THAT ALLOWS ME TO PAY FOR HEALTHCARE EXPENSES WITH DOLLARS I SAVE ONCE I RETIRE. I SEE A PROVIDER THAT IS IN TIER 3 OF THE PPO NETWORK AND WOULD LIKE TO CONTINUE TO SEE THIS PROVIDER EVEN THOUGH MY OUT OF POCKET EXPENSE IS HIGHER. I WORK REMOTELY IN A STATE OTHER THAN LA OR MS AND NEED TO ACCESS CARE FOR MYSELF AND MY FAMILY How Will I Be Billed for a Physician Office Visit? If you are enrolled in the EPO Plan and choose a provider in the EPO network, your primary care visit will be a $0 copay. There is no coverage outside of the EPO network. If you are enrolled in the PPO Plan, your of昀椀ce visit copay pays for your share of the cost of the of昀椀ce visit. When you have additional services, those services are subject to deductible and coinsurance. All services under the HDHSA Plan are subject to deductible and coinsurance. The chart below gives examples of how services would process under the EPO and PPO Plan. IF YOU HAVE: YOU WILL PAY UNDER EPO PLAN: YOU WILL PAY UNDER PPO PLAN: PCP Of昀椀ce Visit No Cost Copay Specialty Of昀椀ce Visit Copay Copay Injections Included with Applicable Of昀椀ce Visit Copay* Deductible & Coinsurance X-rays Included with Applicable Of昀椀ce Visit Copay* Deductible & Coinsurance Lab work Included with Applicable Of昀椀ce Visit Copay* Deductible & Coinsurance *For some services, coinsurance and deductible may apply. 15