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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.