Employee and Retiree Service CenterEmployeesBenefitsHealth Benefits→ Medical Plans

The information on this page is valid through December 31, 2019. For benefit details and changes effective January 1, 2020, please visit our Employee Benefits Open Enrollment web page.

Medical Plans for Employees

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Point-of-Service (POS) Plan

A POS plan combines features of an HMO and an indemnity plan. You receive care in one of two ways. There is an in-network HMO-like component offering a full range of services provided or authorized by your primary care physician or by an in-network specialist. In addition, there is an out-of-network component similar to traditional indemnity insurance.

More information about the POS plan:

Your Option

Health Maintenance Organizations (HMO)

A health maintenance organization (HMO) plan offers a full range of services provided or authorized by your PCP or by an in-network specialist. You may only receive benefits for medical services and supplies received from a network provider, except in a true emergency. However, you do not have to meet a deductible before the plan pays benefits.

More information about HMO plans:

Your Options