JHU Benefits Site - Medical Plans

How the Plans Compare

You have three medical plan options to choose from. Each offers a different level of coverage and associated cost. Your choices may include:

  • An Indemnity Plan,
  • A Point-of-Service (POS) Plan, and
  • A Health Maintenance Organization (HMO).

  Indemnity Plan Point-of-Service
(POS) Plan
Health Maintenance
Organization (HMO)
JHU Medical Plan CareFirst BlueCross® BlueShield® Plan

CareFirst Plan III
EHP Classic BlueChoice HMO

Kaiser Permanente HMO
Network of Providers Allows you to use any provider for any service. In and out-of-network care. Allows you to go in-network or out-of-network every time you need care. In-network care only. You select a primary care physician (PCP) who coordinates all of your care in the network.
Out of Pocket Expenses After the annual deductible has been met, you pay a percentage of the cost of the service received (called "coinsurance"). In-network benefits are higher than out-of-network benefits because in-network providers have agreed to a discounted fee. Most services require a flat co-payment amount at the time care is received.

For help in choosing the medical plan that is best for you and your family, consider using the following two tools.

Medical Plan Coverage Comparison Tool: Use this tool to compare coverage of the medical plans side by side. You select the plan features you wish to compare and the tool displays your choices and how they compare across the medical plan options.