Medical Benefits

To help offset the cost of coverage you elect, COF Training provides the option to enroll in an FSA or HSA account. These accounts enable you to contribute pre-tax dollars to help pay for medical expenses throughout the year. For those choosing the Medical HSA plan, you may contribute to Health Saving Account (HSA). For those choosing the Medical PPO plan, you can contribute to a Flexible Spending Account (FSA). Funds contributed to these accounts can also be used for dental and vision expenses.

	In-Network
Deductible (Individual/Family)	$1,000/$2,000
Out-of-Pocket Max (Individual/Family)	$5,000/$10,000
Member Coinsurance	20%
Preventive Care	Fully Covered
Primary Care Visit	$35 Copay
Specialist Visit	$70 Copay
Telehealth	$35 Copay
Urgent Care	$35 Copay
Physician Services	Deductible + 20%
Inpatient Hospitalization	Deductible + 20%
Outpatient Surgery	Deductible + 20%
Basic Outpatient Diagnostics	Deductible + 20%
Emergency Room	$250 Copay, then Ded. + 20%

Retail Prescriptions
Tier 1	$15 Copay
Tier 2	$50 Copay
Tier 3	$75 Copay
Tier 4	$150 Copay
Tier 5	20% to a maximum of $250

	Per Pay Period Rates
Employee Only	$23.22
Employee + Spouse	$221.50
Employee + Child(ren)	$123.33
Employee + Family	$466.54

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Summary of Benefits

The Blue Choice Network

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Know Your Cost

Flu Shot

	In-Network
Deductible (Individual/Family)	$3,400/$6,800
Out-of-Pocket Max (Individual/Family)	$6,350/$12,700
Member Coinsurance	0%
Preventive Care	Fully Covered
Primary Care Visit	Deductible
Specialist Visit	Deductible
Telehealth	Deductible
Urgent Care	Deductible
Physician Services	Deductible
Inpatient Hospitalization	Deductible
Outpatient Surgery	Deductible
Basic Outpatient Diagnostics	Deductible
Emergency Room	Deductible

Retail Prescriptions
Tier 1-Value Generics	$15 Copay
Tier 2-Preferred Generics	$50 Copay
Tier 3-Preferred Brand	$75 Copay
Tier 4-Generics & Non-Preferred Brand	$150 Copay
Tier 5-Specialty	20% to a maximum of $250