Low
Deductible
With our Low-Deductible Health Plan, you pay co-pays for a doctor’s visit and mail order prescriptions. For all other services, you can meet your deductible faster but pay higher biweekly premiums. Use it with a Healthcare Flexible Spending Account (FSA) for maximum pretax savings.
Employeee
$3,000
Out-of-pocket Max**
Employee + Spouse/DP
$6,000
Out-of-pocket Max**
Employee + Child
$6,000
Out-of-pocket Max**
Employee + Child(ren)
$9,000
Out-of-pocket Max**
Family
$9,000
Out-of-pocket Max**
* This plan has an individual out-of-pocket maximum. You only need to meet your $3,000 individual out-of-pocket maximum before the plan pays your covered expenses at 100% (even if your family maximum hasn’t been met). You pay a total family maximum (for up to three family members or $9,000).
** These are individual out-of-pocket maximums. You only need to meet your $3,000 individual out-of-pocket maximum before the plan pays your covered expenses at 100% (even if your family maximum hasn’t been met). You pay a total family maximum (for up to three family members or $9,000).
Medium
Deductible
Our Medium-Deductible Health Plan balances a midrange deductible and biweekly premium. This plan also has co-pays for a doctor’s visit and mail order prescriptions. Use it with a Healthcare FSA for maximum pretax savings.
Employeee
$3,500
Out-of-pocket Max**
Employee + Spouse/DP
$7,000
Out-of-pocket Max**
Employee + Child
$7,000
Out-of-pocket Max**
Employee + Child(ren)
$10,500
Out-of-pocket Max**
Family
$10,500
Out-of-pocket Max**
*This plan has an individual out-of-pocket maximum. You only need to meet your individual $3,500 out-of-pocket maximum before the plan pays your covered expenses at 100% (even if your family maximum hasn’t been met). You pay a total family maximum (for up to three family members or $10,500).
** These are individual out-of-pocket maximums. You only need to meet your individual $3,500 out-of-pocket maximum before the plan pays your covered expenses at 100% (even if your family maximum hasn’t been met). You pay a total family maximum (for up to three family members or $10,500).
High
Deductible
Through our High-Deductible Health Plan (HDHP), you pay full price for all non-preventive care and prescriptions until you meet your deductible. It’s the only plan that also pairs with a Health Savings Account for maximum pretax savings.
Employeee
$4,000
Out-of-pocket Max**
$500
Cox contribution to HSA
Employee + Spouse/DP
$6,000
Out-of-pocket Max**
$750
Cox contribution to HSA
Employee + Child
$6,000
Out-of-pocket Max**
$750
Cox contribution to HSA
Employee + Child(ren)
$8,000
Out-of-pocket Max**
$750
Cox contribution to HSA
Family
$8,000
Out-of-pocket Max**
$1,000
Cox contribution to HSA
* FAMILY DEDUCTIBLE Keep in mind that the HDHP has true family deductibles, meaning that you must meet the deductible listed for your level of coverage before the plan pays coinsurance for anyone in your family. For example, if you cover both you and your spouse, you must meet the $3,000 deductible before the plan starts paying coinsurance for either you or your spouse.
** FAMILY MAXIMUM You’ll want to note that the HDHP has true family out-of-pocket maximums. You must meet the maximum costs listed for your level of coverage before the plan pays 100% of covered network services for anyone in your family. For example, if you cover both you and your spouse, you must meet the $6,000 maximum before the plan pays 100% of covered network services for either you or your spouse.