2020 Ensign Benefits Guide

Health Medical Our medical plans are designed to give you the options you need to manage your health the way you want. You can choose from five medical plans through Collective Health. If you live in California, you also have an HMO option through Kaiser if you live in a Kaiser Permanente service area. If you live in San Diego County, the SIMNSA Baja CA Premier Access HMO may also be an option for you. All of the medical plans include medical and prescription drug coverage. The plans managed by Collective Health use a national provider network through Blue Shield. 8 Need help choosing the best medical plan? Talk to ALEX for a recommendation. Go to https://www.myalex.com/ensign/2020 . EPO 500 This plan has a lower deductible and exclusively covers you for in-network doctors and facilities. Except in the case of an emergency, you’ll pay the full price for any out-of-network care. PPO 1500 with HSA You can see both in-network and out-of-network doctors without a referral, but keep in mind staying in-network for care will almost always be cheaper. To help with your share of costs, this plan comes with a Health Savings Account (HSA) that you can contribute to. EPO 2000 with HSA This plan exclusively covers you for in-network doctors and facilities. Except in the case of an emergency, you’ll pay the full price for any out-of-network care. To help with your share of costs, this plan gives you the option to participate in a Health Savings Account (HSA). Copay 5000 Unlike the PPO 5000, this is a copay plan. This means that you’ll usually pay a fixed amount when you see in-network providers, and the plan will pay for the rest. You can see both in-network and out-of-network doctors without a referral, but keep in mind staying in-network for care will almost always be cheaper. PPO 5000 with HSA You can see both in-network and out-of-network doctors without a referral, but keep in mind staying in-network for care will almost always be cheaper. To help with your share of costs, this plan gives you the option to participate in a Health Savings Account (HSA). Kaiser HMO 2000 with HSA (CA employees only) You can select this plan if you live in California in a Kaiser Permanente service area. This plan exclusively covers you when you use Kaiser Permanente doctors and facilities. Except in the case of an emergency, you’ll pay the full price for any care you receive from a non-Kaiser doctor or facility. To help with your share of costs, this plan gives you the option to participate in a Health Savings Account (HSA). SIMNSA Baja CA Premier Access HMO (San Diego County employees only) You can select this plan if you live in San Diego County. This plan exclusively covers you when you access SIMNSA Premier Access HMO providers. The plan covers many health services at 100%. Some services require a small copayment. You are not required to choose a primary care physician to manage your care. Except in the case of an emergency, you’ll pay the full price for any care you receive from a non-SIMNSA doctor or facility. To search for a SIMNSA provider, visit https://www.simnsaee.net/Expediente2010/CitasOnline/proveedores/frm_proveedores.aspx .