Some of the regional medical plans we offer pay only if you get your care at an in-network provider (except
for emergencies). We’re asking because if you need to cover a dependent who lives in a ZIP code where there
aren’t many providers, it will affect the tool’s recommendation.
If you expect a hospitalization, you’ll likely meet the deductible regardless of the plan you choose—including the high-deductible HPSP. You may even meet the annual out-of-pocket maximum.
The LifeConnections Health Center is a medical facility exclusively for Cisco employees and their families.
It is located in Building Q on the San Jose campus (near 1st Street and W Tasman Drive). The center offers a
range of services including primary care, travel immunizations, acupuncture, chiropractic care, physical
therapy, labs, X-rays, and more. You’ll pay 20 to 30 percent less for medical care at the health center than
you would in the community. You can also fill prescriptions at the LifeConnections Pharmacy and get vision
and dental care.
In the Kaiser Permanente plan and LifeConnections plans, you’ll generally be covered for in-network care only. With Kaiser, if you or a covered family member leaves home and needs care in another Kaiser service area, you can get most of the same services you would get in your home service area.
Kaiser Permanente offers an integrated care model with no deductible and low copays. In the plan, you’ll generally be covered for in-network care only. However, you’re always covered for urgent and emergency care. In addition, if you or a covered family member leaves home and needs care in another Kaiser service area, you can get most of the same services you would get in your home service area.
Low-deductible plans (like the PPO) and high-deductible plans (like the HPSP) work differently. Low-deductible plans cost more per paycheck, but they begin to share in the cost sooner when you need care than plans like the HPSP that include a Health Savings Account (HSA). This means you may pay less at the time of care. While low-deductible plans could cost you more overall, some people choose them because they prefer to pay less at the time of care. Even if you’re more comfortable with a PPO, you may want to explore the HPSP to see it will save you money overall.
Harvard Pilgrim Health Care offers an integrated care model with a low deductible and low copays. You must
use Harvard Pilgrim Health Care network providers because the plan does not cover out-of-network care
unless it's an emergency.
Low-deductible plans (like the PPO) and high-deductible plans (like the HPSP) work differently. Low-deductible plans cost more per paycheck, but they begin to share in the cost sooner when you need care than plans like the HPSP that include a Health Savings Account (HSA). This means you may pay less at the time of care. While low-deductible plans could cost you more overall, some people choose them because they prefer to pay less at the time of care. Even if you’re more comfortable with a PPO, you may want to explore the HPSP to see it will save you money overall.
Low-deductible plans (like the PPO) and high-deductible plans (like the HPSP) work differently. Low-deductible plans cost more per paycheck, but they begin to share in the cost sooner when you need care than plans like the HPSP that include a Health Savings Account (HSA). This means you may pay less at the time of care. While low-deductible plans could cost you more overall, some people choose them because they prefer to pay less at the time of care. Even if you’re more comfortable with a PPO, you may want to explore the HPSP to see it will save you money overall.
BackNext