With changes to all three Medical Plan options’ deductibles, out-of-pocket maximums and contribution rates, it’s important to carefully consider your anticipated medical expenses and choose the right option for your situation.
COMPARE THE THREE NATIONAL MEDICAL PLAN OPTIONS (IN-NETWORK)
| Option A | Option B | Option C |
|---|---|---|
| See 2019 paycheck contributions | ||
| Highest | Moderate | Lowest |
| Medical deductible | ||
Lowest
| Moderate
| Highest (medical + prescription drug)*
Important: Option C’s deductible works differently for preventive and non-preventive prescription drugs and family coverage. To learn more, search Option C Prescription Drugs. |
| Prescription drug deductible | ||
Lowest
| Lowest
|
|
| Medical out-of-pocket maximum | ||
Lowest
| Moderate
| Highest (medical + prescription drug)
|
| Prescription drug: out-of-pocket maximum | ||
Lowest
| Lowest
|
|
| Tax-advantaged accounts (optional) | ||
| Contribute to a Health Care FSA to pay for eligible 2019 medical, prescription drug, dental or vision costs (use-it-or-lose-it) | Contribute to a Health Care FSA to pay for eligible 2019 medical, prescription drug, dental or vision costs (use-it-or-lose-it) | Contribute to a:
|
*California employees may also choose medical coverage through Kaiser. Hawaii employees may elect coverage only from Kaiser or HMSA (UnitedHealthcare and Cigna are not available). Eligible US employees working overseas may also elect coverage from the Cigna Global Health Medical and Dental Plans.
