Medical Plan Comparison

The Authority offers three (3) health plan options including medical and prescription drug benefits. The medical portion of the plan is administered by Highmark Delaware.

All three (3) plans are supported by a Blue Cross/Blue Shield national network of medical providers and allow you to seek the care of any physician or facility without the need to choose a primary care physician (PCP) or seek referrals. You can choose a plan that best suits you and your family’s needs.

Welcome to PLANselect! Answer just 4 simple questions and PLANselect will help you pick the best value health plan option. Our proprietary algorithm provides a personalized financial analysis and recommendation, considering your premium, expected out-of-pocket costs (co-pays, etc.), and other important plan features.

Preferred Provider Organization (PPO)

Exclusive Provider Organization (EPO)

High Deductible Health Plan (HDHP)

  • The PPO will provide low out-of-pocket expenses at point-of-service but cost the employee more through payroll deductions.
  • Services provided by in-network providers are covered at higher rates than out-of-network providers.
  • The EPO will result in higher out-of-pocket expenses at point-of-service but costs less in payroll deductions, resulting in a greater take home pay.
  • If you use a doctor or facility that isn’t in the national network, you will have to pay the full cost of the services provided.
  • Members are covered for emergency care – even from non-network providers – in their local service area or when away from home.
  • The deductible amounts have increased to $3,300 from the current $3,200, an increase of $100.
  • To offset the change the DRBA will be contributing $750 into a Health Savings Account , available to all employees who choose this option.
  • According to the IRS regulations, you can contribute a maximum of $4,300 per individual or $8,550 per family into this account .
  • For our employees, these amounts are decreased by $750.00 as the DRBA is contributing that amount which is applied to those maximums.
Below is a side-by-side comparison of the Medical Plan options.

For more details, refer to the Benefit Summary and Summary of Benefits and Coverage (SBC) for each plan which you can find below.

If there is any discrepancy between the following comparison and the insurance summaries or booklets, the provisions in the insurance summaries and booklets will prevail.

Benefits PPO EPO HDHP
In-Network Out-of-Network1 In-Network Only2 In-Network Only2 special
Major Medical3 sub
Deductible N/A $300 IND / $900 FAM $200 IND / $400 FAM $3,300 IND / $5,400 FAM
Coinsurance Percent 100% 80% 100% 100%
Out-of-Pocket Maximum
(Medical & Pharmacy Copays Only)
N/A N/A N/A $2,200 IND / $4,600 FAM
Total Out-of-Pocket Maximum4
(Medical & Pharmacy Combined)
$8,700 IND / $17,400 FAM N/A $8,700 IND / $17,400 FAM $5,000 IND / $10,000 FAM
Lifetime Benefit Maximum Unlimited Unlimited Unlimited Unlimited
Physician Office Visits $15 copay 80% $15 copay $15 copay, after deductible
Specialist Office Visits $20 copay 80% $35 copay $20 copay, after deductible
Diagnostic X-Ray sub
Hospital Facility $80 copay 80% $80 copay 100%, after deductible
Non-Hospital Facility $20 copay 80% $20 copay 100%, after deductible
Lab Services sub
Hospital Facility $80 copay 80% $80 copay 100%, after deductible
Non-Hospital Facility $20 copay 80% $20 copay 100%, after deductible
MRIs, CT scans, and PT Scans sub
Hospital Facility $225 copay 80% $225 copay 100%, after deductible
Non-Hospital Facility $75 copay 80% $75 copay 100%, after deductible
Wellness/Routine Care sub
Routine Annual Physical 100% 80% 100% (no deductible) 100% (no deductible)
Periodic Hearing Exam 100% 80% 100% Not Covered
Well-Child Care (includes immunizations) 100% 80% 100% (no deductible) 100% (no deductible)
Annual Gyn. Exam (including Pap Test) 100% 80% 100% (no deductible) 100% (no deductible)
Routine Mammograms 100% 80% 100% (no deductible) 100% (no deductible)
PSA Test $20 copay Not Covered $35 copay Not Covered
Periodic Vision Exam
Therapies sub
Physical, Occupational and Speech Therapy 80% (60 visits per condition per calendar year) 80% (60 visits per condition per calendar year) 80% (no deductible) (60 visits per condition per calendar year) 100%, after deductible (30 visits combined per cal. year)
Radiation Therapy and Chemotherapy 100% 80% 100% (no deductible) 100%, after deductible
Hospital Benefits5 sub
Inpatient (including maternity/delivery) $75/day copay for four (4) days, $300 maximum copay 80% 100%, after deductible 100%, after deductible
Outpatient 100% 80% 100%, after deductible 100%, after deductible
Emergency Room
(waived if admitted to the hospital for treatment)
$150 copay $150 copay $150 copay $150 copay, after deductible
Urgent Care Center/Medical Aid Unit $20 copay 80% $35 copay 100%, after deductible
Ambulance Service $25 copay $25 copay $25 copay 100%, after deductible
Miscellaneous: sub
Maternity
(Prenatal and Postnatal)
100% 80% 100%, after deductible 100%, after deductible
Inpatient Mental Health, Substance Abuse, and Intensive Outpatient Care $75/day copay for four (4) days, $300 maximum copay 80% 100%, after deductible 100%, after deductible
Chiropractic Care
(Max of 30 visits per year)
$20 copay 80% $35 copay 100%, after deductible
  1. All Out-of-Network benefits are subject to balance billing. 80% Coinsurance, after the deductible is met.
  2. There are no Out-of-Network benefits in either the EPO or HDHP, such expenses are the sole responsibility of the member.
  3. All Deductibles and Out-of-Pocket Maximums are reset every January 1st.
  4. The in-network Total Maximum Out-of-Pocket (TMOOP) is mandated by the federal government. TMOOP must include medical and prescription drug deductibles, coinsurance, and copays.
  5. Most non-emergency hospital stays, and voluntary surgical procedures must be pre-authorized.
  6. All Out-of-Network benefits are subject to balance billing. 80% Coinsurance, after the deductible is met.
  7. There are no Out-of-Network benefits in either the EPO or HDHP, such expenses are the sole responsibility of the member.

BENEFIT SUMMARY

A Benefit Summary is intended purely as a reference of the many benefits available under each plan.

Preferred Provider Organization (PPO)

Exclusive Provider Organization (EPO)

High Deductible Health Plan (HDHP)

Summary of Benefits and Coverage (SBC)

A SBC shows you how you and the plan would share the cost for covered health care services.

Preferred Provider Organization (PPO)

Exclusive Provider Organization (EPO)

High Deductible Health Plan (HDHP)