Amarillo ISD offers two medical insurance plans to eligible employees. Each plan is unique and requires employees to choose the best option for themselves and/or their family.
Consumer Driven Health Plan (CDHP)
The Consumer Driven Health Plan (CDHP) is designed for employees (and dependents) to have a lower premium, but pay full discounted price for office visits, prescriptions and procedures until the individual deductible of $3,000 has been met ($6,000 for family). After meeting the deductible, all in-network allowable charges are paid at 80% by the plan until the employee has reached a maximum out of pocket of $4,500 ($9,000 for family). Employees are encouraged on this plan to “shop” around to find best price for procedures, prescriptions, etc.
PPO
The PPO is a traditional health plan which allows employees (and dependents) to have co-pays towards basic office visits and prescription drugs. All in-patient/out-patient procedures would be applied towards a deductible of $3,000 ($9,000 for family). Once the deductible is met, the plan will pay 80 percent until the maximum out-of-pocket is reached of $6,000 (including deductible/$12,700 for family).
Additional policy information and links:
Insurance Management Services (IMS) – Medical Insurance
Elixir Solutions – Prescription Benefit Provider