Page 2 - OTR Lincoln's Journey
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Lincoln’s Journey
                                     Lincoln is currently enrolled in the TRIO HMO plan.  He
                                     wants to know if there is a plan that offers flexibility and
                                     saves him money.



            Lincoln is enrolled in the TRIO HMO plan because he wasn’t sure which one to pick for medical, but
            he knew he wanted an economical plan that would cover him just in case.  He is very healthy and
            good about getting his annual check‐ups every year.  This year he is looking for ways to continue
            saving money and have the flexibility to go directly to his preferred medical provider rather than going
            to a Primary Care Physician first for a referral.

            Which of the two lowest cost plans best fits what Lincoln is looking for in 2020?

                             New Basic PPO                                  New Standard EPO

                 •    No primary care physician                 •    No primary care physician required,
                      required, giving him the flexibility           but limited to contracted providers
                      to see any providers                           only
                 •    Preventive visits are $0                  •    Preventive visits are $0
                 •    He saves $261 in annual premium           •    He would pay $421 more a year in
                      from what he is paying for the TRIO            premium than the new Basic PPO
                      HMO                                       •    The EPO plan is $3,009 less than the
                 •    The Base PPO plan is $3,430 less               Premier PPO
                      than the Premier PPO



           What is the best option for Lincoln?
           Lincoln realizes he can save up to 25% annually in his paycheck by enrolling in the Basic PPO plan
           instead of the EPO plan.  He saves money and will have good coverage based on his health needs and
           flexibility in his provider choices.


                                                       Questions
                              Please contact the Optima Tax Relief Human Resources Department.
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