The State Health Benefit Plan (SHBP)

Choose from the Bronze, Silver, or Gold HRA Plan.

Each plan includes a Health Reimbursement Arrangement (HRA) account—dollars provided to help you pay for eligible medical expenses and meet your deductible. After meeting your annual deductible, you'll pay a percentage of the cost (co-insurance) for covered services.

There are no co-pays for doctor visits under these plans. Instead, you'll use your HRA dollars first, then pay out of pocket until your deductible is met. Any unused HRA credits roll over to the following year and can be used after April of that year.

Note: HRA funding and deductible amounts vary by plan.

We offer three HMO plans: Anthem (BCBS), United Healthcare, and Kaiser. 

Anthem & United Healthcare

• These two plans are nearly identical. They offer the same coverage, same network, and same benefits. The main difference is that Anthem typically costs less, making it the popular choice for most members. You will pay a deductible for larger expenses like hospital stays, surgeries, and imaging scans, and a co-pay when you visit the doctor, urgent care, the ER, or pick up prescriptions.

Kaiser

• Kaiser has co-pays only - there is no deductible.

• This plan provides care exclusively through Kaiser's integrated network of facilities, physicians, and pharmacies.
  

Important to Know

• All three HMO plans require you to use in-network providers.

• Out-of-network services are not covered except in emergency care.

This plan gives you the lowest monthly premium in exchange for a high deductible.

When you need care, you will have higher up front costs.

Well-being credits cannot be used until after you've met your deductible. Some medications in the SHBP Disease Management Program require the deductible to be met first.

This plan works best if you're generally healthy and want to keep monthly costs low, while understanding you might pay more if you need care. Consider the Bronze HRA, it has a lower deductible and out-of-pocket limit.