All four plan options provide comprehensive coverage and include prescription drug benefits through Magellan Rx. Generally, in-network coverage is provided at 80% after you pay your annual deductible. They all cover certain preventive services at 100%. Here’s how they’re different:
Traditional Plans
The BCBS EPO requires you to use in-network providers only. The BCBS EPO includes copays for primary care and specialist office visits. Out-of-network services aren’t covered except for life-threatening emergencies.
In the UHC PPO, you must first meet a deductible before the plan will begin to share in the cost of non-preventive services.
| Medical, Dental and Vision Coverage is Bundled Together |
If you enroll in a Caterpillar medical plan, you and your covered dependents will automatically be enrolled in dental and vision benefits, which are administered by Cigna and VSP respectively.
|
Consumer Directed Health Plans
The CDHPs have higher annual deductibles than the traditional plan options. In these plan options, you’ll pay the full negotiated rate for non-preventive medical services and prescription drugs until you meet the deductible.
| Learn More about CDHPs |
Check out the CDHP Resources for more details about how the CDHP with HSA works.
|
