Medical

Amazon is pleased to offer medical coverage through [Medical Carrier 1] [Medical Carrier 2] [Medical Carrier 3]. When deciding which medical plan is the best fit for you and your family, it’s important to consider the total cost of coverage. This includes what you pay in premiums out of your paycheck and what you pay for services.

While each medical plan covers preventive screenings in full, the medical plans vary on annual deductibles, copays, and levels of coinsurance. This means you may pay more out-of-pocket costs with one plan versus another. The ideal medical plan should cover most of your health plan with out-of-pocket costs that meet your budget.

The medical plan comparison highlights feature of each plan to assist you in choosing the plan that meets your individual needs.

PPO

Medical Plan

PPO

The [CARRIER NAME] PPO medical plan gives you the option to seek medical treatment from a contracted medical provider, at negotiated rates, or from an out-of-network provider, at an additional cost. You must pay a copay for select services, with the exception of preventive care, which is covered in full. Other services may be subject to the annual deductible and coinsurance. Once you reach the out-of-pocket maximum, the plan will pay 100% for all eligible expenses for the remainder of the plan year. While you can visit any doctor, you’ll save the most money by using in-network providers.

HMO

Medical Plan

HMO

The [CARRIER NAME/KAISER] HMO plan covers a wide range of health care services and is only available to employees in California. You pay a co-payment before the plan pays 100% for most services. You must obtain services exclusively from a [Kaiser facility/in-network facility] except in the case of life threatening emergencies.

High Deductible Health Plan (HDHP) with Health Savings Account (HSA)

With the [CARRIER NAME] HDHP, you can receive medical services from in-network or out-of-network providers. You pay for all medical services until you reach the annual deductible, except for in-network preventive care which is covered in full. After your annual deductible is met, the plan pays for a percentage of covered services known as coinsurance. When you reach the out-of-pocket maximum, the plan will pay 100% for all eligible expenses for the remainder of the calendar year. When you enroll in the HDHP, you are eligible to open a Health Savings Account (HSA) to help pay for eligible health care expenses (deductibles, coinsurance, and prescriptions) with pre-tax dollars. See the How the Health Savings Account (HSA) Works section in this guide for more information.