Are you enrolling in the right health plan option?

Are You Enrolling in the Right Health Plan Option?

by Erie Insurance on June 26, 2024

Before you choose a health plan option for the upcoming year, consider your options. The choice that you made in the past may not be right for you today.

ERIE’s three health plan options—Consumer-Directed Health Plan (CDHP ), Health2 and Health1—offer you a choice of contribution levels, deductibles and tax-advantaged strategies for paying out-of-pocket medical expenses. The access to coverage is the same; the differences are your contributions and how you pay for out-of-pocket expenses.

Which option is right for you? Let’s take a look at the differences—and benefits—of each.

Claims Administrator: UnitedHealthcare
Website: myuhc.com
Pre-Member Website: whyuhc.com/erieinsurance
Phone: 1-888-651-7322 (Available 24/7)

CDHP
Health2
Health1
Your contribution per paycheck:
CDHP
Lowest
Health2
Moderate
Health1
Highest
Your deductible:
CDHP
Highest
Health2
Moderate
Health1
Lowest
Before your deductible is reached, you pay:
CDHP

100% of prescription and medical expenses

Enroll in the HSA and use ERIE's contribution of $750 or $1,500 to help offset out-of-pocket expenses.

Health2

Copays for office visits and certain services, and prescriptions

100% of medical expenses

Enroll in Health Care FSA and pay for out-of-pocket expenses with pre-tax dollars.

Health1

Copays for office visits and certain services, and prescriptions

100% of medical expenses

Enroll in Health Care FSA and pay for out-of-pocket expenses with pre-tax dollars.

After your deductible is reached:
CDHP

Plan pays 80%
You pay 20% of eligible costs

Health2

Plan pays 80%
You pay 20% of eligible costs

Health1

Plan pays 90%
You pay 10% of eligible costs

Use HealthEquity’s plan comparison tool to find the health plan option that best meets your needs.

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