2014 Medical Plans


CDHP

HDHP PPO
Consumer Driven Health Plan
(CDHP)
High Deductible Health Plan
(HDHP)
Preferred Provider Organization
(PPO)
The CDHP option lets you play a larger role in how your health care dollars are spent by using a health reimbursement account (HRA) funded by the Company.

Each year, CenturyLink funds your HRA, based on your coverage election (see table below). The HRA is different from a healthcare flexible spending account (FSA).

Once you reach the out-of-pocket maximum, eligible expenses are covered at 100 percent for the rest of the plan year.

The HDHP is similar to the CDHP but has important differences. The HDHP option premiums typically cost less than the CDHP but it has a higher deductible with no HRA dollars.

The key feature of this Plan is that you have the option of opening a personal tax-advantaged Health Savings Account (HSA) to save money and pay for your qualified medical expenses now and in the future. Or, you can save the money for future needs. It's your money, your account, your choice.

The HDHP is administered by UnitedHealthcare and Medica. You have the freedom to choose your health care providers, but the Plan pays greater benefits when you use providers in the UHC Choice Plus and Medica Choice Networks.

The PPO uses a large network of doctors, hospitals and other health care professionals — "preferred providers" — which offer services at discounted rates.

You also have the flexibility to use doctors and other professionals outside the network. However, your out-of-pocket costs are significantly higher if you use out-of-network providers. You pay a greater percentage of costs, plus any charges above the reasonable and customary (R&C) amount.