How the Plans Compare
JHU offers three types of medical plans:
- Health Maintenance Organizations (HMOs)
- Point-of-Service (POS)
- Indemnity
The medical plans are different in many ways. Only you can decide which plan best meets you and your family's coverage and financial needs. You should compare plans and decide which plan is best for you and your family.
| Type of Plan |
Description of Plan |
Medical Plan |
| Health Maintenance Organization (HMO) |
- Provide care to members through its network of providers.
- Each participant selects a primary care physician (PCP) who coordinates all of the participant's care.
- Referrals are often needed in order to see a specialist.
- No benefits are paid if the participant does not use a network provider.
- Most services require a flat co-payment amount at the time care is received.
|
|
| Point-of-Service (POS) |
- Allows the participant to go in-network or out-of-network every time he or she needs care.
- In-network benefits are higher than out-of-network benefits because in-network providers have agreed to a discounted fee.
|
|
| Indemnity |
- Allows participants to use any provider for any service.
- Participants must meet an annual deductible before benefits will begin.
- After the annual deductible has been satisfied, participants pay a percentage of the cost of the service received (called "coinsurance").
|
|
For more detailed comparisons, help in decision-making, or calculating benefits, refer to:
