Medical Hero

Humana’s newest Medical plan offering

We offer a high-deductible health plan (HDHP) with HSA/HRA contributions from Humana.

HDHP information

Medical plans at a glance

We offer a variety of Medical benefit plans. We’ve outlined the basic differences below to help you find 1 that will work best for you and your family. The plan highlights show all plan options, depending on your service area.

Puerto Rico members: Find your Medical plan details here

Are you a retiree?

If you are a retiree over the age of 65 and participate in Medicare Parts A & B, visit the retiree page for details.
High-Deductible Health Plan (In-Network) Comprehensive Medical plan, 10% coinsurance, no referrals, HRA/HSA Value Plan (In-Network benefits) Comprehensive Medical plan, 20% coinsurance, no referrals CoverageFirst (In-Network benefits) Comprehensive Medical plan with $1,000 benefit allowance, 10% coinsurance, no referrals HMO Basic Option Lowest cost HMO plan, no deductible, higher copay plan HMO Standard Option Competitive rates with fixed copays, no coinsurance or deductible HMO High Option Lowest fixed copay HMO plan, no coinsurance or deductible Deductible A deductible is a fixed expense you must incur for certain covered services and supplies before we start paying benefits. Yes Yes Yes No No No Primary Care Physician (PCP) referral required to a specialist Your PCP will provide most of your healthcare, or give you a referral to see a specialist. No No No No referral required (except CO, IL and TX) No referral required (except CO, IL and TX) No referral required (except CO, IL and TX) Out of Network coverage Yes Yes Yes No No No Rx coverage This row lists whether your health insurance plan will cover your prescription drugs and medicines Yes Yes Yes Yes Yes Yes HSA/HRA Health Savings Account (HSA) and Health Reimbursement Account (HRA) are options you can use to help pay for your healthcare-related spending. Yes No No No No No Telemedicine/Telehealth/Virtual visits Speak over the phone or video call with your doctor or another healthcare provider from the comfort of your home. Yes Yes Yes Yes Yes Yes Plan summary

Start saving today

With a Flexible Spending Account (FSA), you can save up to 30 percent by using pre-tax dollars to pay for eligible health care and dependent care expenses for you, your spouse, and qualifying children or dependents

Get information online

Read our frequently asked questions

Explore savings options

Contact FSAFEDS for assistance

Email FSAFeds@adp.com or call 877-372-3337 (TTY: 866-353-8058)

Monday – Friday, 9 a.m. – 9 p.m., Eastern time