$3,000 (I) / $6,000 (F)
Annual Deductible
$6,000 (I) / $12,000 (F)
Out-of-Pocket Maximum
You pay 10% after deductible
Primary Care/Office Visit
You pay 30% after deductible
Specialist Visit
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$3,000 (I) / $6,000 (F)
Annual Deductible
$6,000 (I) / $12,000 (F)
Out-of-Pocket Maximum
You pay 10% after deductible
Primary Care/Office Visit
You pay 30% after deductible
Specialist Visit
This plan features the lowest payroll deduction, but the highest deductible.
Network
About this Plan
Under this plan, you will pay the full cost for all services, including prescription drugs, until you have met the deductible - the only exception to this rule is in-network preventive care, which is covered at no charge.
Health Savings Account (HSA) Plan
A high-deductible health plan paired with a tax-advantaged HSA. You’ll pay lower premiums and can use your HSA dollars to help cover eligible medical, dental, and vision expenses.
MDLive
Your medical plan includes convenient, 24/7 access to virtual care through MDLIVE. You can connect with board-certified doctors by phone, video, or the MDLIVE app for common, non-emergency health issues like colds, allergies, sinus infections, and more. Prescriptions can be sent directly to your pharmacy when needed. It’s a fast, affordable way to get care—day or night—without leaving home.
Teladoc
Need to speak with a doctor now? You can skip the wait at your doctor's office or urgent care waiting room and get quick and cost effective treatment for minor health concerns with HealthiestYou by Teladoc.
Talk to a doctor by telephone or video chat 24/7! Physicians are board certified and can write prescriptions. Teladoc is not meant to replace your primary care physician, but can help you get fast treatment for common ailments such as the flu, allergies, ear infections and more.
Under the plan, a Teladoc consultation is completely free! The plan costs just $6.50 per pay period and includes unlimited consultations. Teledoc is only available to those that waive medical coverage.
Generic: Retail and Mail Order: 20% after deductible
Preferred Brand Name: Retail and Mail Order: 30% after deductible
Non-Preferred Brand Name: Retail and Mail Order: 50% after deductible
$2,500 (I) / $5,000 (F)
Annual Deductible
$5,000 (I) / $10,000 (F)
Out-of-Pocket Maximum
No charge
Primary Care/Office Visit
You pay 20% after deductible
Specialist Visit
This plan features the lowest payroll deduction, but the highest deductible.
Network
About this Plan
Under this plan, you will pay the full cost for all services, including prescription drugs, until you have met the deductible - the only exception to this rule is in-network preventive care, which is covered at no charge.
Health Savings Account (HSA) Plan
A high-deductible health plan paired with a tax-advantaged HSA. You’ll pay lower premiums and can use your HSA dollars to help cover eligible medical, dental, and vision expenses.
MDLive
Your medical plan includes convenient, 24/7 access to virtual care through MDLIVE. You can connect with board-certified doctors by phone, video, or the MDLIVE app for common, non-emergency health issues like colds, allergies, sinus infections, and more. Prescriptions can be sent directly to your pharmacy when needed. It’s a fast, affordable way to get care—day or night—without leaving home.
Teladoc
Need to speak with a doctor now? You can skip the wait at your doctor's office or urgent care waiting room and get quick and cost effective treatment for minor health concerns with HealthiestYou by Teladoc.
Talk to a doctor by telephone or video chat 24/7! Physicians are board certified and can write prescriptions. Teladoc is not meant to replace your primary care physician, but can help you get fast treatment for common ailments such as the flu, allergies, ear infections and more.
Under the plan, a Teladoc consultation is completely free! The plan costs just $6.50 per pay period and includes unlimited consultations. Teledoc is only available to those that waive medical coverage.
Generic: Retail and Mail Order: 10% after deductible
Preferred Brand Name: Retail and Mail Order: 20% after deductible
Non-Preferred Brand Name: Retail and Mail Order: 50% after deductible
$1,500 (I) / $4,500 (F)
Annual Deductible
$6,000 (I) / $17,100 (F)
Out-of-Pocket Maximum
$35 copay
Primary Care/Office Visit
$50 copay
Specialist Visit
The Value Plan features a higher payroll deduction, but the lowest deductible.
Network
MDLive
Your medical plan includes convenient, 24/7 access to virtual care through MDLIVE. You can connect with board-certified doctors by phone, video, or the MDLIVE app for common, non-emergency health issues like colds, allergies, sinus infections, and more. Prescriptions can be sent directly to your pharmacy when needed. It’s a fast, affordable way to get care—day or night—without leaving home.
Teladoc
Need to speak with a doctor now? You can skip the wait at your doctor's office or urgent care waiting room and get quick and cost effective treatment for minor health concerns with HealthiestYou by Teladoc.
Talk to a doctor by telephone or video chat 24/7! Physicians are board certified and can write prescriptions. Teladoc is not meant to replace your primary care physician, but can help you get fast treatment for common ailments such as the flu, allergies, ear infections and more.
Under the plan, a Teladoc consultation is completely free! The plan costs just $6.50 per pay period and includes unlimited consultations. Teledoc is only available to those that waive medical coverage.
Generic: Retail: $20 copay | Mail Order: $40 copay
Preferred Brand Name: Retail: $45 copay | Mail Order: $90 copay
Non-Preferred Brand Name: Retail: 10% up to $90 | Mail Order: 10% up to $180
Triple tax savings for health expenses now and later. HDHP enrollees only.
Higher deductible, lower premium.
About this Plan
You have the flexibility to visit any dentist, but your out-of-pocket costs will always be less when you receive care from a dentist in the Cigna network. A brief summary is shown here.
$75 (I) / $225 (F)
Annual Deductible
$1,000/person
Calendar Year Maximum
You pay 20% after deductible
Basic Services
Not covered
Orthodontic Services
Lower deductible, Higher premium.
About this Plan
You have the flexibility to visit any dentist, but your out-of-pocket costs will always be less when you receive care from a dentist in the Cigna network. A brief summary is shown here.
$50 (I) / $150 (F)
Annual Deductible
$1,500/person
Calendar Year Maximum
You pay 20% after deductible
Basic Services
You pay 40%
Orthodontic Services
Choose a network general dentist (NGD) who will provide all of your routine care and refer you to specialists when necessary.
About this plan
The Cigna Dental Care (DHMO¹) plan includes coverage for many procedures that may not be available on other dental plans. There are no deductibles to pay before coverage begins, no annual dollar maximums on covered services, no claim forms, and no waiting periods.
None
Annual Deductible
None
Calendar Year Maximum
Subject to charge schedule
Basic Services
Subject to charge schedule
Orthodontic Services
A voluntary vision benefit that can be elected to cover yourself and your eligible family members.
About this plan
A voluntary vision benefit that can be elected to cover yourself and your eligible family members. Through the Buy-up Plan, you can receive both an eye exam and eyewear (if needed) from any provider of your choice. Dollar for dollar, you get the best value from your vision benefit when you visit a participating provider. A brief summary of the plan is shown here.
$0 copay
Eye Exam Copay
$0 copay
Lenses
20% off balance over $250 allowance
Frames
15% off balance over $250 allowance
Contacts
A voluntary vision benefit that can be elected to cover yourself and your eligible family members.
About this plan
A voluntary vision benefit that can be elected to cover yourself and your eligible family members. Through the Buy-up Plan, you can receive both an eye exam and eyewear (if needed) from any provider of your choice. Dollar for dollar, you get the best value from your vision benefit when you visit a participating provider. A brief summary of the plan is shown here.
$10 copay
Eye Exam Copay
Included in Materials Copay
Lenses
20% off balance over $200 allowance
Frames
20% off balance over $200 allowance
Contacts
Core coverage your family can count on.
Additional coverage for you and your family if you want it.
Support when recovery takes longer than expected.
Get cash support when the unexpected hits.
A financial cushion during life's biggest curveballs.
Cash benefits for hospital stays and recovery.
Shield your identity. Stay secure.
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Affordable help with life's legal moments.
Plan administered by ADP
We’re happy to offer discounts on the services we provide at our O2B Early Education locations.
For when you need a reason to relax (and still get paid).
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For when you need a break or breather.
The person(s) you choose to receive certain benefits (like life insurance or 401(k) funds) if you pass away.
A flat dollar amount you pay when you receive certain healthcare services, such as a doctor visit or prescription.
The amount you pay out of pocket for healthcare before your insurance starts to share costs.
An embedded deductible means that each individual on a family plan has their own separate deductible. Once one person meets their individual deductible, the insurance starts covering their costs—even if the full family deductible hasn’t been met yet.
A non-embedded deductible (sometimes called aggregate) means there is only one deductible for the whole family. The insurance does not start covering costs for anyone until the entire family deductible is met.
A free and confidential program that provides support for personal, family, and work-related issues — such as counseling, legal or financial advice, and other life resources.
The amount you pay (usually through payroll deductions) to have coverage under an insurance plan.
A statement from your insurance company showing what was paid for a healthcare service, what you may owe, and what the provider billed. An EOB is not a bill.
Tax-advantaged accounts you can use to pay for eligible healthcare expenses. HSAs are paired with high-deductible health plans and can roll over year to year.
Healthcare providers and facilities that contract with your insurance plan — using them typically costs you less.
The most you’ll pay in a plan year for covered services. After you reach this limit, your plan pays 100% of covered costs.
Routine care — like checkups, screenings, and vaccines — designed to help you stay healthy. Covered at 100% in-network on most plans.
A life change — like marriage, birth of a child, or loss of other coverage — that allows you to update your benefits outside of the annual enrollment period.
Optional extras you can elect (often at a group rate), like accident insurance, legal services, identity theft protection, or pet insurance.
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