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Health Insurance

Members can choose from the following health insurance options (if you qualify):

  • Partnership PPO
    • Partnership Promise PPO (Partnership Promise required. Lower monthly premium than No Partnership Promise PPO if eligible).
    • No Partnership Promise PPO
  • Standard PPO
  • Limited PPO (local education and local government only)
  • HealthSavings CDHP
    • Promise HealthSavings CDHP (state and higher education active employees only. Partnership Promise required. State HSA funds if eligible).
    • No Promise HealthSavings CDHP
  • Local HealthSavings CDHP (local education and local government only)

Members may also choose from the following three health insurance carrier networks:

  • BlueCross BlueShield Network S
  • Cigna LocalPlus
  • Cigna Open Access Plus (monthly surcharge applies)

Health Insurance Carrier Information »

There are specific guidelines regarding the time-frame in which you and your eligible dependents must enroll. Please see the eligibility and enrollment guides for specific information. To review a comparison of some common benefit categories for the healthcare options, please see the insurance comparison charts. For specific information about benefits, refer to the appropriate member handbook and provider directory. All referenced materials are available on the Publications and Forms sections or can also be obtained through your agency benefits coordinator.

Each option covers the same services and treatments, but medical necessity decisions may vary by carrier. Free in-network preventive health services are covered by each option. Individuals who select the Partnership Promise PPO or the Promise HealthSavings CDHP will have to agree to the Partnership Promise each year.

The following features apply to all options. Refer to the comparison chart or member handbooks for the plans' deductibles, copays, coinsurance and out-of-pocket maximum amounts.

Annual Deductible All options include an annual deductible. You pay this amount out of pocket before the plan pays for hospital charges and other services that require coinsurance.
Coinsurance Some services require that you pay coinsurance after you meet a deductible. Coinsurance is a percentage of the total cost.
Copays Some services require that you pay a copay (instead of a deductible and coinsurance). A copay is a flat dollar amount, like $20 a visit.
Out-of-Pocket Maximum The out-of-pocket maximum is the most you will pay for your copays and coinsurance each year. Once you reach your out-of-pocket maximum, the plan pays 100% of covered medical expenses.
In-Network vs. Out-of-Network Providers You can see any doctor or go to any healthcare facility you want. However, if you use an "in-network" provider, you will always pay less. That's because an in-network provider agrees to provide services to our members at discounted rates. Broad networks of doctors and hospitals will continue to be available.

Additional Enrollment Information

Please see the Publications section of this website to view a comparison of covered services and detailed member handbooks. Enrollment applications are available on the Forms Page.