DOCUMENTS & FORMS

CalPERS

 

HRA

Medical Care

All of the available options give you access to high-quality, comprehensive care. They differ largely in the way the cost of care is structured and in the strategies you can use to control your expenses:

  • HMO - A Health Maintenance Organization (HMO) plan provides health care from specific doctors and hospitals under contract with the plan. You pay co-payments for some services, but you have no deductible, no claim forms, and a geographically restricted service area.

  • PPO - A Preferred Provider Organization (PPO) is similar to a traditional "fee-for-service" plan, but you must use doctors in the PPO provider network or pay higher co-insurance (percentage of charges). You must usually meet an annual deductible before some benefits apply. You're responsible for a certain co-insurance amount and the plan pays the balance up to the allowable amount.

CalPERS

Anthem Blue Cross

Blue Shield of California

Healthnet

Kaiser

United Healthcare