Health Insurance Plans Overview

BetterHealth Medical Insurance Options

BetterHealth offers three medical insurance plan options through BlueCross BlueShield to meet diverse employee needs.

Plan Options

1. PPO Plan (Preferred Provider Organization)

• Monthly Premium: $125 (employee) / $350 (family)
• Deductible: $500 individual / $1,500 family
• Out-of-Pocket Max: $3,000 individual / $6,000 family
• Primary Care Visit: $25 copay
• Specialist Visit: $50 copay
• Best For: Employees who want flexibility in choosing providers

2. HMO Plan (Health Maintenance Organization)

• Monthly Premium: $85 (employee) / $250 (family)
• Deductible: $250 individual / $750 family
• Out-of-Pocket Max: $2,500 individual / $5,000 family
• Primary Care Visit: $20 copay
• Specialist Visit: $40 copay (referral required)
• Best For: Employees who prefer lower premiums and coordinated care

3. HDHP (High Deductible Health Plan) with HSA

• Monthly Premium: $50 (employee) / $175 (family)
• Deductible: $1,500 individual / $3,000 family
• Out-of-Pocket Max: $3,500 individual / $7,000 family
• Preventive Care: Covered at 100%
• HSA Employer Contribution: $750 individual / $1,500 family annually
• Best For: Healthy employees who want to save for future medical expenses

All Plans Include

• Preventive care at no cost
• Prescription drug coverage
• Mental health and substance abuse treatment
• Maternity and newborn care
• Telemedicine services
• Emergency services

How to Choose

Consider these factors when selecting your plan:

• Expected medical expenses for the year
• Preferred doctors and hospitals
• Prescription medication needs
• Monthly budget for premiums vs. out-of-pocket costs

Use the Benefits Comparison Tool in UKG to estimate your annual costs based on your expected usage.