TPS offers employees the choice of three Medical / Rx plans – PPO 2600, HDHP 2800 and HDHP 4000. All plans have embedded deductibles which means that you have both an individual deductible and a 2 Person or Family deductible. Claims are applied to each deductible and you move to coinsurance once one or the other is satisfied. The HDHP 2800 and HDHP 4000 plans are Consumer Driven Health Plans with an attached Health Savings Account.
The coinsurance and/or prescription copays that are shown below do not begin until you have satisfied your full deductible.
Plan C – PPO 2600 Plan
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Plan B – HDHP 2800 Plan
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Plan A – HDHP 4000 Plan
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Use In-Network Providers
Did you know that if you use an In-Network provider, you can save yourself and your family money? Our plan uses a preferred provider organization (PPO) which means that services provided to you and your family in this PPO network are provided at a significantly discounted rate.
Use Convenience Care Clinics or Pharmacy Take Care Clinics
Without an appointment, you can quickly access medical care for screenings or vaccines, minor illness or injuries, or to get a quick prescription.
Convenience Care Clinics includes exam, diagnosis and treatment of many non-emergency conditions including:
- Bronchitis
- Ear Infection
- Ear Wax Removal
- Female Bladder Infection
- Influenza
- Insect Stings
- Minor Rashes
- Mononucleosis
- Motion Sickness
- Pink Eye
- Poison Ivy
- Ringworm
- Seasonal Allergies
- Sinus Infection
Have a Primary Care Physician
A PCP (Primary Care Physician) is a doctor who is a family practice physician, pediatrician, general practice, or an internal medicine doctor. Other than using a Convenience Care clinic, your PCP is the lowest cost option for MD provided treatment for your healthcare needs. Most people who self-refer to a specialist choose the wrong type of specialist more than 60% of the time. You receive the most efficient and effective healthcare when you have a PCP. As a PCP gets to know you and your medical conditions over time, they are better equipped to evaluate you and direct you to the right specialist who leads to the correct diagnosis and treatment quicker. Studies show that patients who use a PCP spend an average of 33% less than patients who self-refer to specialists.
Urgent Care
Using Urgent Care is less expensive than the Emergency Room. Urgent care facilities provide triage management and treatment of patients with minor complaints of illness that may be treated in a rapid efficient manner. If the clinics and your PCP are not available at the time of your minor medical need, using an Urgent Care facility is a good alternative.
Emergency Room (ER)
This is the most expensive provider option. Emergency rooms should be used for life threatening conditions (such as shortness of breath, chest pains, intense abdominal pain, symptoms of a stroke or blood clot, etc.). Remember, in an emergency time is of the essence! If not life-threatening, you may save money by using Telehealth, Convenience Care clinics, your PCP or an area Urgent Care facility.
Use the Most Cost-Effective Provider for Radiology Services
MRIs and CT Scans can range anywhere from $1,000 to $3,500 in hospital facilities. Independent radiology centers cost on average 25-30% less than hospital-based MRI services and can be as low as $600.
