The three Medical Plan options work similarly in that:

• They all cover the same medical services and generally the same prescription drugs, and you have access to the same network of providers.
• You must first meet a deductible before coinsurance or cost-sharing begins.
• For in-network preventive care, you do not need to meet the deductible and the services are covered at 100%.
• All options provide coverage for in- and out-of-network services, though your costs will be lower if you use in-network providers.

The biggest difference among the options is when and how you pay for care.

• With Option A, you’ll pay the most through your paycheck contributions, and the least when you need care.
• With Option C, you pay the least out of your paychecks, but potentially more when you need care due to the high deductible and out-of-pocket maximum.
• Option B falls in the middle of Options A and B in terms of when you pay.