Personal Option and Open Option

Personal Option Plan

• Plans with and without annual deductibles.
• Members care is received from in-plan participating providers.
• Access to participating plan providers without referrals, including specialists.
• Encourages and promotes provider and member relationship to enhance care without the "gatekeeper" concept.
• A broad network of physicians and hospitals ensuring choice and quality.

Open Option Plan

• Members may receive care from in-plan participating and out-of-plan non-participating providers.
• Members out-of-pocket costs are typically lower when they receive care from in-plan participating providers.
• Participating providers work with Providence Health Plan to prior authorize treatment.
• Members initiate prior authorization when receiving care from non-participating providers.
• Access to participating plan providers without referrals, including specialists.
• Encourages and promotes provider and member relationship to enhance care without the "gatekeeper" concept.
• A broad network of physicians and hospitals ensuring choice and quality.

Value Based Open Option Plan

• Many preventive care services are fully covered or have a low copay to encourage members to make healthy choices and take advantage of these services.
• Higher cost sharing for more expensive and sometimes avoidable services to optimize the use of services such as emergency room visits, imaging and lab.
• Choice of deductible, beginning at $250.
• Members may receive care from both in-plan and out-of-plan providers.
• Members' out-of-pocket costs are typically lower when they receive care from in-plan participating providers.
• Out-of-pocket maximums to protect members financially
• A broad network of physicians and hospitals ensuring choice and quality.
• Read the employer guide to Value Based Option Option Plans (PDF 388kb).

Traditional Option Plan

• Indemnity medical plans for PHP-approved out-of-area members

Dual Option Plans

Available for small employer groups in Oregon and Washington.

• Allow employers to offer employees a choice between two medical plan options.
• Employees can select which plan best meets their, and their dependent, cost and health care needs.
• Four dual option plans available with open option, personal option and HSA Qualified plans from which to choose.

HSA Qualified Plans

• Employees can set aside pre-tax dollars into a Health Savings Account if they are enrolled in a high deductible health plan (for 2007, high deductible plans have individual deductibles above $1,100 and family deductibles above $2,200).
• Funds in the HSA can be used for eligible health, retirement or long-term care premium expenses.
• Providence Health Plan partners with U.S. Bank for Health Savings Account services.
• Funds in the health savings account can be rolled over from year to year
• HSA Qualified plans encourage employees to become active participants in managing rising health care costs.
• U.S. Bank Health Savings Solution Employer brochure (PDF 423kb)
• Health Savings Solution Product Guide (PDF 270kb)
• HSA Investment Summary (PDF 411kb)