{"id":6835,"date":"2021-10-06T15:42:55","date_gmt":"2021-10-06T15:42:55","guid":{"rendered":"https:\/\/confluentbenefits.com\/united-states\/?page_id=6835"},"modified":"2025-12-23T15:32:10","modified_gmt":"2025-12-23T21:32:10","slug":"medical","status":"publish","type":"page","link":"https:\/\/confluentbenefits.com\/united-states\/medical\/","title":{"rendered":"Medical and Pharmacy"},"content":{"rendered":"\t\t
\n\t\t\t\t
\n\t\t
\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t
\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Medical and Pharmacy<\/h1>\n

Collective Health<\/h2>\n

Confluent has teamed up with Collective Health to give you a variety of medical plan options, so you can choose what works best for you and your family. These plans are available to all US employees and use the Blue Shield PPO Network<\/a>, with prescription coverage through Express Scripts (ESI). Take some time to explore the different plans and check out the resources in the sidebar to get more information.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
Plan Features<\/strong><\/th>\nMedical HDHP\/HSA<\/strong><\/th>\nMedical PPO<\/strong><\/th>\nMedical EPO<\/th>\n<\/tr>\n<\/thead>\n
In-Network
Deductible
<\/strong> Individual\/Family<\/td>\n		$1,700\/ $3,400<\/td>\n$250 \/ $750<\/td>\n$0 \/ $0<\/td>\n<\/tr>\n
In-Network
Out of Pocket Maximum <\/strong>Individual\/Family<\/td>\n		$3,400 \/ $6,800<\/td>\n$2,500 \/ $5,000<\/td>\n$2,500 \/ $5,000<\/td>\n<\/tr>\n
In-Network
Preventive Care<\/strong><\/td>\n		100% covered<\/td>\n100% covered<\/td>\n100% covered<\/td>\n<\/tr>\n
Cost Structure<\/strong><\/td>\n\n
    \n
  • Lower per paycheck contributions, but you will pay more at the doctor.<\/li>\n
  • Plan will not cover any non-preventive services before deductible is met.<\/li>\n
  • After deductible is met, you will generally pay 10% of total billed charges.<\/li>\n<\/ul>\n<\/td>\n
\n
    \n
  • Higher per paycheck contributions, but you will generally pay less at the doctor.<\/li>\n
  • This plan has a mix of copays and coinsurance amounts.<\/li>\n
  • In general, copays will apply before your deductible is met.<\/li>\n<\/ul>\n<\/td>\n
\n
    \n
  • Higher per paycheck contributions, but you will pay the least at the doctor.<\/li>\n
  • This plan has copays for almost all services, which make your out-of-pocket costs easy to plan for.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Referral for Specialists Needed?<\/strong><\/td>\nNo<\/td>\nNo<\/td>\nNo<\/td>\n<\/tr>\n
Out-of-Network Coverage*<\/strong><\/td>\nYes, but limited<\/td>\nYes<\/td>\nExtremely limited<\/td>\n<\/tr>\n
Pre Tax Spending Account Compatibility<\/strong><\/td>\nHSA<\/a>
Limited Purpose FSA<\/a><\/td>\n		Healthcare FSA<\/a><\/td>\nHealthcare FSA<\/a><\/td>\n<\/tr>\n
More Plan Details<\/strong><\/td>\n