Overview of Your Medical Options

Citi Benefits Handbook

Here's an at-a-glance summary of the key differences between the options:


	In-Network Only Plan	Choice Plan	High Deductible Plan with HSA
What type of services are covered?	All plans cover the same health care services and offer free in-network preventive care
Where can I receive care?	Only from doctors or hospitals in either the Aetna Premier Care Plus Network (APCN+) or Anthem's National Blue High Performance Network (BlueHPN)	From any doctor or hospital you want, but you'll pay less when you stay in-network	From any doctor or hospital you want, but you'll pay less when you stay in-network
How does the cost for coverage compare?	Paycheck deductions in the middle of Citi's other two plans	Highest paycheck deductions	Lowest paycheck deductions
What do I pay for doctor's office visits?	A flat copay ($25 for primary care/$45 for specialist)	Full cost of service up to the deductible, then coinsurance	Full cost of service up to the deductible, then coinsurance
What do I pay for emergency care?	Deductible, then a $200 copay (even out of network)	Deductible, then coinsurance	Deductible, then coinsurance
What do I pay for care at a hospital?	Deductible, then a flat copay ($200 for outpatient/$400 for inpatient)	Deductible, then coinsurance	Deductible, then coinsurance
How do the deductibles compare?	$250 individual/$500 family	$500 individual/$1,000 family*	$1,800 individual/$3,600 family*
How do the out-of-pocket maximums compare?	Out-of-pocket maximum in the middle of Citi's other plans ($4,000 individual/$8,000 family)	Lowest out-of-pocket maximum ($3,000 individual/$6,000 family)*	Highest out-of-pocket maximum ($5,000 individual $10,000 family ($6,850 per individual)*
Can I contribute to a tax-free account?	Yes, a Health Care Spending Account (HCSA)	Yes, a Health Care Spending Account (HCSA)	Yes, a Health Savings Account (HSA) with a contribution from Citi, plus a Limited Purpose Health Care Spending Account (LPSA)

* In-network deductibles and out-of-pocket maximums only; higher deductibles and out-of-pocket maximums apply for out-of-network care.

Remember: The In-Network Only Plan provides coverage only when you receive care from a network provider (with the exception of urgent and emergency care). With the Choice Plan or High Deductible Plan with HSA, if you use an out-of-network doctor, you'll pay more when you need care.