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How Your Medical Plan Works

The Medical Plan provides comprehensive coverage for a broad range of healthcare services and prescription drugs.
Plan Option 1 and Plan Option 2 cover the same services and prescription drugs. What differs between the two options are:
  • the payroll contributions required for each option;
  • the annual deductibles;
  • the cost share you pay for certain services, as explained in the following sections; and
  • the annual out-of-pocket maximums.
Whether you choose Plan Option 1 or Plan Option 2, Aetna or Cigna, your JPMC Medical Plan includes prescription drug coverage administered by CVS Caremark. For a description of coverage for prescription drugs, please see "The Prescription Drug Plan."