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HealthChoice High or HealthChoice Basic

Based on your selection, the HealthChoice High PPO plan the HealthChoice Basic PPO plan could be good options for you.  

HealthChoice High

This plan is the most popular PPO plan and about 80% of employees enroll in this plan because it offers office visit copays without having to meet the annual deductible. This plan has the lowest deductible and lowest out-of-pocket costs of all the HealthChoice plans. It’s also a good choice for employees who want a PPO and who would like to pay the least out-of-pocket at the time of service.
 

Plan details

Annual Deductible $750
Coinsurance 80%
Maximum out-of-pocket costs per individual per year $3,300

 

HealthChoice Basic

This plan is ideal for employees who are looking to save on monthly premiums and, in exchange, are willing to take a larger out-of-pocket risk. The Basic plan is considered major medical coverage only.

The Basic plan pays the first $500 of medical expenses for all covered services. If you don’t spend the full $500 in a plan year, then you never pay anything to a provider out-of-pocket.

Plan details

Annual Deductible $1000
Coinsurance 50%
Maximum out-of-pocket costs per individual per year $4,000

Common traits shared by all PPO plans

  • Deductible – a specified amount of money the member pays before the health plan will start to pay for medical costs and procedures.
  • Coinsurance – the percentage of the cost due to the provider after insurance payment is made. Coinsurance is paid by the employee.
  • In-network and out-of-network providers – using in-network providers lowers the employee’s out-of-pocket responsibility.
  • Plan year maximum – the total dollar amount that a member could pay per year. After the plan year maximum is paid, the insurance plan pays 100% of additional costs.

need help?

Compensation & Benefits
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Want to compare all available health insurance options?

Tulsa Public Schools Health Benefits Overview2020 Employee Benefits Options Guide