OUR INSURANCE PLANSVIRGINIA STATE INSURANCE

BY BERT KREBS

Preferred Provider Organization

WHAT IS A PPO?

HMOVs.PPO

CHANGES TO CURRENT PLANSThe flexible spending account (FSA)

$2,500

$3,000Integrated Behavioral Health Plan

(IBHP)$15

In-Patient Co-paymentOutpatient Co-payment

$25

Wellness Benefits Well Baby Nursery

Benefit

Co –Insurances UNCHANGED

CHANGES TO TRADITIONAL HMO

PREMIUMS INCREASED

15%

80%

20%

CHANGES TO PPOLower rates than Current HMO plan

In Network $20

SMALLER NETWORK

Co-Insurance

80%

20%

70%30%

In Network Out of Network