Access+ HMO plan

In-network out-of-pocket costs (effective 1/1/27):

• Deductible (individual): $0
• Deductible (family): $0
• Primary care office visit: $25
• Specialist office visit: $25
• Urgent care visit: $25

Plan highlights:

• Access to providers in our full HMO network
• Predictable costs—fixed copayments for most services
• $0 copay for virtual care (medical and mental health)
• Each member must select a primary care physician (PCP)
• Retail and mail-order prescription drugs

Trio HMO plan

In-network out-of-pocket costs (effective 1/1/27):

• Deductible (individual): $0
• Deductible (family): $0
• Primary care office visit: $25
• Specialist office visit: $25
• Urgent care visit: $25

Plan highlights:

• Access to Trio HMO network providers only
• You must live in the Trio HMO service area
• $0 copay for virtual care (medical and mental health)
• Members must select a PCP (in-person or virtual-only)
• Retail and mail-order prescription drugs

PPO plan

In-network out-of-pocket costs (effective 1/1/27):

• Deductible (individual): $250
• Deductible (family): $750
• Primary care office visit: 15%
• Specialist office visit: 15%
• Urgent care visit: 15%

Plan highlights:

• Available to employees located in the USA
• Freedom to visit any doctor—in or out of our PPO network
• Self-refer to specialists—no PCP referral required
• Urgent and emergency care coverage worldwide
• Retail and mail-order prescription drugs

PPO out-of-area plan

In-network out-of-pocket costs (effective 1/1/27):

• Deductible (individual): $250
• Deductible (family): $750
• Primary care office visit: 15%
• Specialist office visit: 15%
• Urgent care visit: 15%

Plan highlights:

• Available to employees located outside the USA
• Freedom to see any doctor—in or out of the plan's PPO network
• Self-refer to specialists—no PCP referral required
• Urgent and emergency care coverage worldwide
• Retail and mail-order prescription drugs

PPO 20 plan

In-network out-of-pocket costs (effective 1/1/27):

• Deductible (individual): $250
• Deductible (family): $750
• Primary care office visit: 80%
• Specialist office visit: 80%
• Urgent care visit: 80%

Plan highlights:

• For Medicare-eligible retirees who do not enroll in Medicare
• Freedom to see any doctor—in or out of our PPO network
• Self-refer to specialists—no PCP referral required
• Urgent and emergency care coverage worldwide
• Retail and mail-order prescription drugs