Choose a Plan
Non-Union
Information for members of Non-Union Faculty and Staff plans
Union
Information for members of HUCTW, ATC, HUSPMGU, HUPA, Local 26, Custodial plans, and SEIU Arnold plans
At-a-Glance: Which Plan is Right for You?
HMO
All benefits eligible employees
HMO plans are managed care plans. This means that almost all care must be coordinated by a HUGHP primary care physician (PCP). The PCP coordinates your care and can provide you with referrals to in-network specialists. Out-of-network care is not covered, except in certain emergency situations.
Services that do not need referrals:
- routine vision
- acupuncture
- chiropractor
- OBGYN
- behavioral health
- urgent and emergency care
POS
All benefits eligible employees
The POS plan covers the same services as the HMO plan; however, you have the flexibility to self-refer or see out-of-network (OON) providers.
Out of pocket costs are higher for self-referred/OON care. Additionally, monthly premiums are higher than the HMO plan offering.
In order for services to process as in-network (lowest cost sharing), you would need referrals from your network primary care physician. (See description under HMO plan for a list of services that do not need referrals.)
Services will pay out-of-network (deductible, coinsurance, balance billing) when the following happens:
- No PCP referral is on file
- Member sees out-of-network provider
POS+
Non-union benefits eligible employees
The POS+ plan offers the same benefits as the traditional POS plan, but without the deductible or coinsurance for in-network services.
Note: monthly premiums are higher than the HMO and POS plan offerings.
Watch this voice-guided presentation to learn whether HUGHP might be the right choice for you.