{"id":4803,"date":"2024-11-20T02:25:53","date_gmt":"2024-11-20T02:25:53","guid":{"rendered":"https:\/\/gower62.ilschoolinsurancenetwork.org\/?page_id=4803"},"modified":"2025-10-10T19:23:44","modified_gmt":"2025-10-10T19:23:44","slug":"medical","status":"publish","type":"page","link":"https:\/\/gower62.ilschoolinsurancenetwork.org\/index.php\/medical\/","title":{"rendered":"Medical"},"content":{"rendered":"\t\t
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Medical<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Medical Benefits<\/h1>

We\u2019re proud to offer you six medical plan options designed to help you and your family get the care you need.<\/p>

Health Maintenance Organization (HMO)<\/h2>

The HMO plans provide coverage through in-network doctors from which you will select a primary care physician (PCP) who refers you to specialists if you need them. You will not have access to out-of-network physicians if you are enrolled in this plan. If you decide to seek treatment from an out-of-network doctor, you will be responsible for the full cost of treatment.<\/p>

Preferred Provider Organization (PPO)<\/h2>

The Preferred Provider Organization (PPO) plan offers the flexibility to choose an in-network or out-of-network provider each time you need care. Keep in mind, you will save money when you visit in-network providers. With this plan, you pay coinsurance for most health care services.<\/p>

High Deductible Health Plan (HDHP)<\/h2>

The High Deductible Health Plan (HDHP) features a higher deductible with the option of participating in a Health Savings Account (HSA). You pay coinsurance for most health care services, up to the annual out-of-pocket maximum. You have the option to save pre-tax funds in an HSA up to annual limits to pay for you and your family’s health care needs.<\/p>

See plan documents or certificate booklet for additional information.<\/em><\/p>

Stay Healthy with Medical Coverage<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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