How Your Medical Plan Works

The Simplified Medical Plan has no in-network deductible. Instead, there are fixed copayments for covered services. This health care "menu" approach allows you to learn about and understand your out-of-pocket costs prior to receiving care. And, if your copayments ("copays") add up to the out-of-pocket maximum in a plan year, the Plan pays 100% of your eligible in-network costs for the remainder of that year.

Option 1 and Option 2 cover the same services and prescription drugs. What differs between the two options for in-network services are:

the payroll contributions required for each option and

the copayments (or "copays") you pay for the service, as explained in the following sections

the annual out-of-pocket maximums and

the out-of-network deductibles.

Whether you choose Option 1 or 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."