Medical Plan:

• Network and non-network coverage with a combined annual deductible and out-of-pocket limit
• Protection from major expenses with a limit on your out-of-pocket medical and pharmacy expenses
• 100 percent coverage for preventive care when using in-network providers

Health Reimbursement Arrangement (HRA)

• SHBP puts money into your account each plan year
• You use it to pay for eligible medical and pharmacy expenses to help meet your annual deductible and out-of-pocket limit
• The money you don’t use carries over to the next year, making it even easier to pay next year’s deductible

HRA plan avanatages

Because you are sharing costs with the SHBP, your monthly premiums may be lower than one of the other plan options.

• You choose how your health care dollars are spent
• Your preventive care is covered at 100 percent
• You pay less if you choose a doctor from our network
• There is a limit on how much you will pay each year