EXCLUSIVE PROVIDER ORGANIZATION

With the Exclusive Provider Organization (EPO) option, you receive comprehensive coverage for a range of services. You must use in-network providers. There are no out-of-network benefits.

EPO at a Glance

• Moderate monthly contribution
• Low deductible and coinsurance
• No claim forms
• No out-of-network benefits
• The EPO utilizes the Open Access Aetna Select network

HIGH DEDUCTIBLE HEALTH PLAN

This plan is covered in two sections, the High Deductible Health Plan (HDHP) and the Health Savings Account (HSA).

The HDHP is similar to the PPO in that you have the option to choose any provider when you need care. However, in exchange for a lower per-paycheck cost, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs.

With lower premiums and an out-of-pocket cap mandated by federal law, HSA-compatible health insurance like the Brookfield HDHP typically saves money compared to a PPO for both high- and low-frequency users of health care.

HDHP at a Glance

• Lower monthly contribution
• Freedom to go out-of-network
• No claim forms for in-network services
• Participants responsible for amounts up to deductible and out-of-network charges in excess of Aetna contracted rates
• The HDHP utilizes the Aetna Choice POS II network

If you select the High Deductible Health Plan, you may be eligible to participate in a Health Savings Account.