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The state offers three Anthem plans: two consumer-driven plans (CDHPs) and one Traditional PPO (Trad PPO). By selecting one of the CDHPs, you will also have a lower annual maximum personal cost for health care and receive an automatic increase in your take home pay because of the lower premiums.
Highlights of the 2013 benefits include:
There is plenty of information about your benefit options on this page. Also some of the information from the recent Open Enrollment period is relevant too.
CDHP I and II are high deductible health plans with health savings accounts. These plans have higher deductibles, but lower premiums than the Traditional PPO.
School corporations may elect to offer their employees the opportunity to enroll in a Health Savings Account (HSA). An HSA is an individual savings account in the employee’s name that allows them to set aside money for current and future medical expenses. HSAs, if selected, are available in conjunction only with the consumer driven health plans (often referred to as high deductible health plans).
For more information, view this document provided by the IRS
The Traditional PPO is an co-insurance plan, which means the employee will pay a percentage of allowable claims after the deductible is met and before out-of-pocket maximums are reached.