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The state offers four statewide plans: Wellness Consumer-Driven Health Plan (Wellness CDHP), Consumer-Driven Health Plan 1 (CDHP1), Consumer-Driven Health Plan 2 (CDHP2) and Traditional Preferred Provider Organization (PPO). All four available plans are in the Blue Access PPO network with Anthem and have a prescription drug plan through Express Scripts. Each plan has differences in premium costs, deductibles and out-of-pocket maximums. Please note in order to be eligible for the Wellness CDHP you must have completed the steps to upgrade prior to August 31, 2015. Learn more about the Upgrade 2016 program at www.investinyourhealthindiana.com/upgrade.
The Wellness CDHP, CDHP 1 and 2 are high deductible health plans with health savings accounts. These plans have higher deductibles, but lower premiums than the Traditional PPO.
School corporations may elect to offer their employees the opportunity to enroll in a Health Savings Account (HSA). An HSA is an individual savings account in the employee’s name that allows them to set aside money for current and future medical expenses. HSAs, if selected, are available in conjunction only with the consumer driven health plans (often referred to as high deductible health plans).
For more information, view this document provided by the IRS
The Traditional PPO is an co-insurance plan, which means the employee will pay a percentage of allowable claims after the deductible is met and before out-of-pocket maximums are reached.
If you have questions about your medical plans contact the Benefits Hotline 7:30 a.m. to 5 p.m. EST Monday - Friday.