JHU Benefits Site - Medical Plans

The EHP Classic Plan

The EHP Classic Plan is a dual option point-of-service (POS) plan that gives you the flexibility to see any provider-in or out-of-network. Your out-of-pocket costs are lower if you use providers who participate in the EHP network, and you don’t need a referral.

EHP has an expanded network through MultiPlan’s PHCS Healthy Directions network with doctors, hospitals, and ancillary providers in all 50 states. This network can be helpful if you work or live outside of Maryland, have children in college outside of Maryland, or travel frequently.

Here are highlights of how your benefits compare in-network vs. out-of-network. For more information, refer to the 2017 Medical Plan Coverage Comparison Tool and Summary Plan Description (SPD).

Plan Benefits In-Network Out-of-Network
You Pay...
 
Annual Deductible $250 per person
$750 per 3 or more persons
$500 per person
$1,500 per 3 or more persons
Physician Services (office visits) 20% after deductible 30% after deductible
Physician Services (medical and surgical) 20% after deductible 30% after deductible
Preventive care (physical exams and well baby) $0; 100% JHU covered 30% no deductible
Emergency care Facility: $100 copay
(waived if admitted)
Physician: 20% after deductible
Facility: $100 copay
(waived if admitted)
Physician: 30% after deductible
Urgent care $50 $50
Hospital copay per inpatient admission $250 $250
Hospital service benefits 20% after deductible and
$250 inpatient copay
30% after deductible and
$250 inpatient copay
Outpatient surgery Facility: $0
Physician: 20% after deductible
Facility: 30% after deductible
Physician: 30% after deductible
Vision Care $0 for one exam every two years Not Covered
Plan Year Maximums
  In-Network Out-of-Network
Annual Maximum Benefit None
Annual Out-of-Pocket Maximum
(includes deductibles, copays and coinsurance)
$2,000 per person
$6,000 per 3 or more persons
$4,000 per person
$12,000 per 3 or more persons

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