About The Core Medical Plan
The Core Plan provides coverage competitive with other plans in the market at affordable rates. The McLeod Core Plan is a traditional preferred provider organization (PPO) insurance plan that covers most types of medical care, including physician office visits, inpatient hospital stays, outpatient services, psychiatric and substance abuse. The Core Plan lets you receive care from the network provider of your choice. The highest level of coverage is available when you use services provided through the McLeod Network.
About The Enhanced Medical Plan
The Enhanced Plan provides several coverage enhancements compared to the Core Plan, including lower annual deductibles, coinsurance and out-of-pocket maximums. However, you will pay a higher per-pay-period premium. When choosing a plan, be sure to estimate the anticipated benefits you receive to ensure it is worth the additional premium cost.
About the High Deductible Health Plan
The High Deductible Health Plan (HDHP) is like the Core and Enhanced medical plans because you pay less from your pocket when you choose services from a McLeod provider or a BCBS in-network provider. It provides comprehensive medical and prescription drug coverage plus a way to save for health care expenses today and in the future—tax free—with a Health Savings Account (HSA).
The per-pay-period premiums are lower than the Core Medical Plan, but the deductible and out-of-pocket maximums are higher with the High Deductible Health Plan. The trade-off is that you can save money in the HSA to pay for eligible medical expenses such as your deductible and out-of-pocket expenses.
For a list of 2023 McLeod Benefits Premium Rates, click here.