Selecting medical options for 2020

July 11, 2019

When selecting benefits for 2020, employers can choose from three medical options that each deliver high-quality coverage and outstanding value.

When you’re selecting benefits for 2020, you may offer one, two, or all three medical options — the PPO, EPO, and HDHP — to your employees with a regularly scheduled workweek of at least 20 hours who are not in Pastor’s Participation. Each medical option delivers high-quality coverage and outstanding value, and includes a variety of features, such as Call to Health, Teladoc, Livongo for Diabetes Program, and generous preventive care and prescription drug benefits, at no additional cost.

Employees elect medical coverage in levels: Member-only, Member + Spouse, Member + Child(ren), and Member + Family. You can choose how to share the cost with employees as long as you pay at least 50 percent of the Member-only coverage cost for the lowest-cost option you offer.

Here are key differentiators of each medical option:

PPO

  • provides the highest level of coverage and the most flexibility
  • only option that includes out-of-network benefits
  • deductibles based on salaries to reflect community nature
  • flat copay for each doctor’s office or urgent care center visit, or when using the plan’s telemedicine benefit

EPO

  • access to the same network of providers as the PPO, at a lower monthly cost
  • does not cover out-of-network care
  • flat copay for most outpatient services

HDHP

  • lowest-cost medical coverage option available
  • higher-quality version of the typical HDHP available in the commercial market
  • access to the same network of providers as the PPO and EPO
  • members may be eligible to enroll in a tax-advantaged health savings account

Learn more about the comprehensive coverage offered through the Medical Plan. Need additional information or guidance selecting the best options for you and your employees? Call our Employer Services team at 800-773-7752 (800-PRESPLAN).