Health Plan Comparison

Penn State's PPO Blue and PPO Savings plans differ in the amount of out-of pocket expenses associated with them and the employee's payroll deduction for each plan.

In addition, charges for medical services, procedures and equipment are based on a provider's in-network or out-of-network participation.

For a more comprehensive overview of each plan, please see Health Insurance.

Faculty & Staff

Faculty & Staff PPO Blue vs. PPO Savings Plan 2017
Health Plan PPO Blue PPO Savings
Feature In-Network Out-of-Network In-Network Out-of-Network
Deductible $375: Individual
$375/$750: Family

$750: Individual
$1,500: Family

$1,600: Individual
$3,200: Family
$3,200: Individual
$6,400: Family
Preventive Care Covered at 100% 70% Covered at 100% 70%
Coinsurance 90% 70% 90% 70%
Prescription

20% - Mail

50% - Retail

70% - Non-Formulary

$2,000: Individual maximum

$8,000: All other coverage levels maximum

Not Covered

Deductible & Coinsurance Apply, then:

10% - Generic

20% - Formulary

40% - Non-Formulary

Not Covered
Coinsurance Out-of-Pocket Maximum $1,250: Individual
$2,500: Family (excluding prescriptions)
$2,500: Individual
$5,000: Family (excluding prescriptions)
$1,975: Individual
$3,950: Family (including prescriptions)
$4,200: Individual
$8,400: Family (including prescriptions)
Total Deductible &
Out-of-Pocket Coinsurance Maximum
$1,625: Individual
$3,250: Family
$3,250: Individual
$6,500: Family
$3,575: Individual
$7,150: Family

$7,150: Individual
$14,300: Family

Primary Care Office Visits $20 Copayment 70% After Deductible Deductible & Coinsurance Apply
Specialty Care Office Visits $30 Copayment 70% After Deductible Deductible & Coinsurance Apply
Urgent Care $30 Copayment 70% After Deductible Deductible & Coinsurance Apply
Emergency Room $100 Copayment
(waived if admitted)
Deductible & Coinsurance Apply
Health Savings Account (HSA) n/a

Salary over $60,000
$400: Individual
$800: All other coverage levels

Salary $60,000 and under
$600: Individual
$1,200: All other coverage levels

*Specialty drugs: PPO Savings (new for 2017) - Formulary drugs will have a $65 minimum; non-formulary drugs will have a $100 minimum. PPO Blue - Formulary drugs will have a $50 minimum; non-formulary drugs will have a $100 minimum.

Teamsters

Teamsters PPO Blue vs. PPO Savings Plan 2017
Health Plan PPO Blue PPO Savings
Feature In-Network Out-of-Network In-Network Out-of-Network
Deductible

$250: Individual
$250/$500: Family
$250/$375: Parent/Child(ren)

$500: Individual
$1,000: Family
$1,000: Parent/Child(ren)

$1,300: Individual
$2,600: Family
$2,600: Individual
$5,200: Family
Preventive Care Covered at 100% 70% Covered at 100% 70%
Coinsurance 90% 70% 90% 70%
Prescription

20% - Mail

50% - Retail

70% - Non-Formulary

$6,000 Maximum

Not Covered

Deductible & Coinsurance Apply

Not Covered
Coinsurance Out-of-Pocket Maximum $1,000: Individual
$2,000: Family (excluding prescriptions)
$2,000: Individual
$4,000: Family (excluding prescriptions)
$2,100: Individual
$4,200: Family (including prescriptions)
$4,200: Individual
$8,400: Family (including prescriptions)
Total Deductible &
Out-of-Pocket Coinsurance Maximum
$1,250: Individual
$2,500: Family
$2,500: Individual
$5,000: Family
$3,400: Individual
$6,800: Family

n/a

Primary Care Office Visits $10 Copayment 70% After Deductible Deductible & Coinsurance Apply
Specialty Care Office Visits $20 Copayment 70% After Deductible Deductible & Coinsurance Apply
Urgent Care $20 Copayment 70% After Deductible Deductible & Coinsurance Apply
Emergency Room $100 Copayment
(waived if admitted)
Deductible & Coinsurance Apply
Health Savings Account (HSA) n/a

$400: Individual
$800: All other coverage levels

Additional Resources