Medical

The PPO plan is ideal if you prefer lower upfront costs for doctor visits and have higher medical expenses. This plan might be right for you if:

• You frequently visit specialists or need urgent care. 
• You prefer lower copays for office visits and urgent care.
• You’re OK with higher premiums in exchange for lower copays and out-of-pocket maximums.

Note: The PPO plan is not eligible for a Health Savings Account (HSA). With this plan, you're eligible to enroll in a Flexible Spending Account (FSA) for additional savings.

The Consumer Choice Advantage plan offers a balance with lower monthly premiums and the option for a Health Savings Account (HSA). It's a good fit if:

• You expect moderate medical expenses.
• You want lower premiums and are OK with higher costs until you meet your deductible.
• You want to benefit from Nebraska Medicine HSA contributions and use tax savings for future medical expenses.  

The Consumer Choice Value plan offers the lowest monthly premiums with higher deductibles. It may be ideal for you if:

• You want the lowest premium per paycheck and are comfortable with higher out-of-pocket costs if you need medical care.
• You use medical services less frequently and are looking for basic coverage.
• You want to benefit from Nebraska Medicine HSA contributions and use tax savings for future medical expenses.