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Compare to help find the right health plan

Our comparison chart helps you find your best fit by listing important plan benefits side-by-side.

Plan comparison
Plan comparison

Summary

Network coverage

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Primary care provider

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Savings account options

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Savings account options

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Prescription Coverage

Finding out if your prescriptions are covered is easy when you use Prescription Search.

Prescription search

Copays and cost sharing

Most health plans share the same idea: there's how much you pay for the cost of care, when you pay for it, and what percentage of those costs you and your plan share. It can all be a little confusing, especially when you add in words like "deductible" and "copay".

To make it easier, here's an example of how health plans work.

At the start of your health plan year...

You're responsible for paying 100% of the costs for covered health care, up until you reach your deductible. The deductible is the amount you pay before the plan starts sharing costs. Age appropriate preventive care is covered 100% as long as you use a network provider.

(With the Catalyst plan, your employer provides a pre-deduction allowance which you can use this to help pay for covered services before deductible begins.)

About COPAYS...

Some health plans have a copay, which is a fixed amount you pay each time you see a provider or purchase a prescription. Because copays don't count toward your deductible, you're responsible for paying 100% of your copay up until you reach your out-of-pocket limit.

When you reach your DEDUCTIBLE

Coinsurance kicks in and your health plan starts sharing a percentage of these costs with you, up until you reach your out-of-pocket limit.

When you reach your OUT‑OF‑POCKET LIMIT

The most you'll have to pay for the costs of health care in a plan year is your out-of-pocket limit. Once this limit is reached, your health plan covers you at 100% for the rest of the plan year.

Health Savings Account

This plan comes with an opportunity to open up a health savings account (HSA) — a bank account where you can put money aside, tax-free, to save and pay for eligible health care expenses.

This plan comes with an opportunity to open up a health savings account (HSA) — a bank account with Optum Bank® where you can put money aside, tax-free, to help you save and pay for eligible health care expenses.

Save today, spend whenever

  • Spend your HSA money on eligible health expenses now.
  • Build up your HSA savings and use it later. 
  • Your savings can be carried over year to year, even if you change jobs, health plans, or retire.

Enjoy tax advantages

  • Money you deposit is federal income tax-free.  
  • Your savings grow income tax-free. 
  • Withdrawals for qualified health care expenses are income tax free.

Use your account easily

  • Use money in your HSA to pay for qualified health care expenses. 
  • Pay bills online or pay with checks linked to your HSA.
  • Upload receipts and store them in your own online receipt vault.

  • HSA eligibility requirements

  • Pay for qualified expenses

  • Your HSA with Optum Bank®

  • Flexible Spending Accounts

Health Reimbursement Account

This plan comes with a health reimbursement account (HRA)  — an account owned and funded by your employer to help you pay for medical expenses. As long as you have money in your HRA, you can use it to help pay for qualified out-of-pocket expenses — like doctor visits, lab work, and more.

  • How your HRA works

Preventive services are covered in the network

Here's a partial list of your coverage:

Doctor Office Visits and Labs

Emergency and Outpatient Care

Mental Health and Substance Disorder Service

Pregnancy and Newborn Care

Health and Wellness