Welcome, State Health Benefit Plan Members

PLAN DETAILS

2012 PLAN DETAILS

CHOOSE THE PLAN THAT BEST MEETS YOUR NEEDS
CIGNA Choice FundŽ
Health Reimbursement
Account (HRA)
  • SHBP contributes funds to an account that helps you pay for eligible health care and
  • prescription expenses.
  • Unused money rolls over to the next year if you re-enroll in the HRA.
  • Earn additional dollars when you take your Health Assessment and complete your annual preventive examination when enrolled in the Wellness HRA plan.
Open Access Plus
High Deductible Health Plan (HDHP)
  • Lower monthly premiums.
  • If you cover family members, you must meet the family deductible before benefits are paid for anyone.
  • Once you meet your deductible, you pay a percentage of the cost (coinsurance) for your covered
  • health care expenses and the plan pays the rest.
  • See any licensed doctor you wish though in-network doctors will be less expensive.
Open Access Plus
In-Network (HMO)
  • Coverage only when you see network doctors.
  • Low annual deductible.
  • Once you meet your deductible, you pay a percentage of the cost (coinsurance) for your covered
  • health care expenses and the plan pays the rest.
  • Pay copays for most office visits.
View Side-by-Side Summary of Benefits to see your deductibles, copays, coinsurance and other plan features for both the Wellness and Standard Plans. 2012 Summary of Benefits (PDF 122k)