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Georgina’s Journey
Georgina is currently enrolled in the Access+ HMO plan.
Her family is growing, and she wants to make sure she has
access to her providers and be able to save money. What
plan would be the best fit?

Georgina’s family is growing and expecting to have a baby this upcoming year. The rest of the
family is relatively healthy, except for common cold and sick visits.

What plan options should Georgina consider enrolling?

New Basic PPO New Standard EPO New Premier PPO plan

 Deductible is $1,500, plus  Her hospitalization will be  Deductible is $250, plus
20% of the remaining $750 20% of the remaining
hospital bill  Her LiveHealth Online Visits hospital bill
 Her LiveHealth Online are $5 or doctor visits are  Her LiveHealth Online
Visits are $5 or doctor $30 Visits are $5 or doctor
visits are $30  She will be paying $279.60 visits are $20
 She will be paying $232.65 per paycheck to cover her  She will be paying $667.47
per paycheck to cover her family. per paycheck to cover her
family. family.

What is the best option for Georgina’s family?
Georgina considers enrolling in the EPO plan.
She realizes:
1) The EPO plan has her providers as contracted, so there is no need to have an out‐of‐
network benefit
2) She is saving $945 in annual premium from what she is currently paying on the Access+
HMO plan
3) She knows exactly what she will be paying when she has her baby.

Questions
Please contact the Optima Tax Relief Human Resources Department.