Currently, two plan options are available:

Preferred Provider Organization (PPO)

A health insurance option where participants choose a network provider or a non-network provider. While PPO participants may use any physician, you will save money by using a network provider. A network provider accepts a pre-negotiated fee and the participant is responsible for a percentage of the maximum allowable charge and an annual deductible. When you use a non-network provider, care is paid at a lesser percentage of the maximum allowable charge and charges above the maximum allowable are your responsibility. Annual deductibles and out-of-pocket maximums apply.

PPO-Limited (For Local Government Employees Only)

A health insurance option very similar to the standard PPO option listed above. However, the member shares in a greater portion of the expenses by having higher coinsurance and deductible amounts, but pay a lower premium. The out-of-pocket limits are also higher than the traditional PPO option.