FirstEnergy offers substantial protection for a wide range of medical expenses and the flexibility to choose the right medical option for you and your family. When considering which plan to select, it’s important to think about your total cost for the year – which is made up of the plan premium and the out-of-pocket expenses (deductible and coinsurance) that you’ll pay when you access health care services using the plan.
Here’s a quick look at the medical plan options.
Consumer HDHP
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Enhanced HDHP
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Base PPO
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- No monthly plan premium
- Highest deductible and out-of-pocket maximums (medical and prescription drug combined)
- Eligible for a health savings account – money not spent on premium can be put into a health savings account
- Eligible for a limited flexible spending account
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- Moderate monthly premium to pay
- Lower deductible and out-of-pocket maximums compared to the Consumer HDHP plan
- Money spent on annual premium is gone at the end of the plan year
- Eligible for a health savings account
- Eligible for a limited flexible spending account
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- Highest monthly premium to pay compared to the other FirstEnergy medical plans
- Lowest deductible and out-of-pocket maximums
- Money spent on annual premium is gone at the end of the plan year
- Eligible for a health care flexible spending account
- Not eligible for a health savings account
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Anthem Blue Cross Blue Shield (Anthem) is the carrier for all medical options.
Get More Information
This overview provides some basic information about the plans, but it’s important to get the whole picture. The links below can provide you with more details.
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