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 but your out-of-pocket costs will be lower for in-network care. With this plan, you pay your deductible first, and then you pay a portion of the cost (your coinsurance amount) each time you use medical services.
EHP plan members have the benefit of utilizing both the EHP contracted provider network and the Cigna PPO contracted network. To locate a health care provider, start by searching the EHP network.
EHP Network: The EHP network gives you access to 14,000 health care providers and 30 hospitals in Maryland, ensuring that you can find care and services near you.
Cigna Network: The Cigna PPO network is a supplemental provider network, giving you access to providers and hospitals nationwide, including Maryland. EHP covers all health care services received from providers in the Cigna PPO network at the in-network benefit level. 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 2023 Faculty & Staff Medical Plan Coverage Comparison Chart and Summary Plan Description (SPD). You can also Ask ALEX, our interactive decision support tool. ALEX acts as a virtual benefits counselor to help you learn more about your benefit options, so you can choose what’s best for you.
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 |