We offer two health insurance plans for 2025. A PPO Plan and a HDHP with HSA Plan. Both plans share the same networks with BlueCross Blue Shield but are structured differently. Click on the words below for additional information on each plan.
NOTE: Employees active on our health insurance plan that do not participate in the wellness program will be responsible for an additional 10% of their individual premium.
PPO Plan (also known as Base Plan)
HDHP with HSA Plan (also known as HSA Plan)
| Employee Weekly Rates | Base Plan | HSA Plan |
| Employee | $52 | $52 |
| Employee + Spouse | $202 | $183 |
| Employee + Child(ren) | $167 | $152 |
| Family | $328 | $291 |
| Base Plan | Base Plan | HSA Plan | HSA Plan | |
| Network | In-Network | Out-of-Network | In-Network | Out-of-Network |
| Deductible: | ||||
| Individual | $3,000 | $9,000 | $5,000 | $10,000 |
| Family | $9,000 | $18,000 | $10,000 | $20,000 |
| Coinsurance | 80% | 60% | 100% | 60% |
| Out-of-Pocket Maximum: | ||||
| Individual | $6,000 | $18,000 | $5,000 | $10,000 |
| Family | $13,500 | $40,500 | $10,000 | $20,000 |
| Physican Services: | ||||
| Preventative Care | 100% | 60%* | 100% | 60%* |
| Physician Visit | $35 copay | 60%* | 100%* | 60%* |
| Specialists Visit | $45 copay | 60%* | 100%* | 60%* |
| Diagnostic Testing | 80%* | 60%* | 100%* | 60%* |
| Lab Testing | 80%* | 60%* | 100%* | 60%* |
| Inpatient Hospitalization | 80%* | 60%* | 100%* | 60%* |
| Emergency Room | $175 copay | $175 copay | 100% | 100% |
| Urgent Care | $35 copay | 60%* | 100%* | 60%* |
| Telehealth | $35 copay | N/A | 100%* | N/A |
*Coinsurance percentage that applies after the deductible is met
| Pharmacy (In-Network) | Base Plan | HSA Plan |
| Retail (30 days) | Copays: $15 / $25 / $50 / 70% | 100%* |
| Mail Order (90 days) No Specialty | Copays: $45 / $75 / $150 | 100%* |