Medical

Select Exclusive Quality Alliance (SEQA)

Employees making $27.00 or less an hour

• Choose care from one of our Tier 1 BSWQA Network providers
• No out-of-network coverage, except in cases of urgent/emergency care or rare situations when an in-network provider is not available and authorization is provided

• $0 deductible and low premiums
• Low copays, including $400 for bundled maternity costs
• You pay copays or coinsurance for prescription drugs from day one
• Pairs with a general-purpose FSA for eligible healthcare expenses

Exclusive Quality Alliance (EQA)

Employees making $27.01 or more an hour

• Choose care from one of our Tier 1 BSWQA Network providers
• No out-of-network coverage, except in cases of urgent/emergency care or rare situations when an in-network provider is not available and authorization is provided

• Low deductible and premiums
• Low copays, including $400 for bundled maternity costs
• You pay copays or coinsurance for prescription drugs from day one
• Pairs with a general-purpose FSA for eligible healthcare expenses

Preferred Provider Organization (PPO)

All benefits-eligible employees

• Choose care from Tier 1, 2 or 3 providers – providers in our Tier 1 Network are always the best value

• Moderate deductible and premiums
• Copays apply for select services, including $1,200 for bundled maternity costs (with a Tier 1 provider)
• You pay copays or coinsurance for prescription drugs from day one

Health Savings Account (HSA)

All benefits-eligible employees

• Choose care from Tier 1, 2 or 3 providers – providers in our Tier 1 Network are always the best value

• High deductible, low premiums
• Once you meet your deductible, you pay 10% for Tier 1 and 50% for Tier 2 services (including maternity)
• Pharmacy costs count toward your deductible or coinsurance up until the out-of-pocket maximum, and are covered at 90% after your deductible is met

Pair with the HSA*

Pair with the limited-purpose FSA