The University offers two medial plans through Blue Cross and Blue Shield of Alabama – High Deductible Health Plan (HDHP) and the Preferred Provider Organization Plan (PPO). Both plans allow the participants the freedom to seek care from any licensed medical provider, but they will have lower out-of-pocket costs if in-network Blue Cross and Blue Shield Preferred medical providers are used. In-network providers are hospitals, physicians, and other health care providers who have agreed to accept negotiated fees as payment in-full for services provided to plan participants.
The High Deductible Health Plan (HDHP) has a higher deductible than the PPO plan. The monthly premium is lower, but the employee will pay more health care costs upfront (first-dollar deductible) before the plan starts to pay its share. An HDHP can be combined with a health savings account (HSA), helping employees pay for certain qualified medical expenses with tax-free money. According to IRS regulations, any non-single contract is considered a family contract for purposes of deductibles, out-of-pocket maximums, and contributions. Watch a brief video to learn more about the HDHP and HSA.
The following is a brief comparison of the HDHP to PPO plan:
|Benefit Comparison(In-Network Covered Services)|
|ddddddddddddddddddd||HDHP with HSA||PPO|
Prescription Drug Deductible:
|$1,400 Per Person
$2,800 Per Family
|$175 Per Person
$175 Per Family
|UA Contributions to HSA||$400 Employee Only
|Medical Out-of-Pocket Max
Pharmacy Out-of-Pocket Max
|$3,000 Per Person
$6,000 Per Family
|$2,500 Per Person
$7,150 Per Family
$2,500 Per Person
$7,150 Per Family
|Plan Payment||Coinsurance after deductible||Copayment after deductible|
|Covered Services||Covered services are the same for both plans||Covered services are the same for both plans|
|PPO Physicians & Facilities||Preferred providers & facilities are the same for both plans||Preferred providers & facilities are the same for both plans|
|Preventive Care||Routine screenings and preventive care covered at 100% for both plans (no deductible). For a comprehensive list of services, visit www.AlabamaBlue.com/preventiveservices||Routine screenings and preventive care covered at 100% for both plans (no deductible). For a comprehensive list of services, visit www.AlabamaBlue.com/preventiveservices|
Click on the links below to find information on UA’s medical plan.