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Comparing BHGE Medical Plans

We've designed our Medical plans to meet the diverse needs of our employees.

Your Medical Plan Options

Deductibles and out-of-pocket maximums differ by plan

Your deductible and out-of-pocket maximum work differently, depending on the plan you choose.

Standard Plan

Each covered person has an individual deductible and an out-of-pocket maximum, which can be met without reaching the Family limit. Once two or more individuals reach the Family deductible or out-of-pocket maximum, the individual limits no longer apply.

Premium HSA and Basic HSA

The individual deductible limit applies only if you elect Employee Only coverage. 

If you cover any dependents, the Family deductible limit applies, and everyone’s eligible medical and prescription drug expenses apply toward the Family deductible. Each covered person has an individual out-of-pocket maximum, which can be met without reaching the Family out-of-pocket maximum. Once two or more individuals reach the family out-of-pocket maximum, the individual limits no longer apply.

Here are the highlights of coverage under the different Medical plan options:

Plan Feature Standard Plan/UHC Out-of-Area PPO Premium HSA/UHC Personal Out-of-Area HSA Basic HSA/UHC Personal Out-of-Area HSA
Paycheck Deduction $$$ $$ $
BHGE HSA Dollars N/A $500 Employee Only
$750 Employee + Spouse
$750 Employee + Child(ren)
$1,000 Employee + Family		 $0
Deductible $750 individual
$1,500 family		 $1,500 individual
$3,000 family1		 $3,250 individual
$6,500 family1
Coinsurance 80% covered in-network
60% of eligible expenses out-of-network;2
80% covered in out-of-area plans
Preventive Care Plan pays 100% for in-network services; no deductible applies
Physician office visit, urgent care, outpatient surgery, inpatient hospital Subject to deductible and coinsurance
Emergency Room $100 copay (in addition to the deductible and coinsurance; does not apply if the patient is hospitalized3)
Out-of-Pocket Maximum $4,000 individual
$8,000 family		 $5,000 individual
$10,000 family		 $6,500 individual
$13,000 family
Prescription Drug Coverage When you enroll in medical coverage, you automatically receive Prescription Drug coverage. Refer to the Prescription Drug page [link] for details.
  • 1 Member must meet the Family medical deductible if coverage is other than Employee Only.
  • 2 Eligible expenses are determined according to UHC’s reimbursement guidelines.
  • 3 Out-of-Area plans are not subject to the ER surcharge.