Options At-a-Glance

	PPO	EPO	Lumenos HRA	HMO
Primary Care	No	Yes, in most cases*	No	Yes
Access to care	Visit any provider you choose; you receive a higher level of coverage (meaning you pay less) when you use in-network providers No referrals required	PCP (if applicable) coordinates all your care and specialist referrals All covered care must be provided by EPO providers (except in emergencies)	Visit any provider you choose; you save money when you use providers who accept Lumenos discounts No referrals required	PCP coordinates all your care and specialist referrals All covered care must be provided by HMO providers (except in emergencies)
How coverage works	No referrals required You pay an annual deductible You pay a copay for routine office visits You pay a portion of the cost, called coinsurance, for most services	There is no deductible You pay a copay for office visits and other services	Covered expenses are paid from your company-funded Health Reimbursement Account (HRA), except for preventive care, which is 100% covered If you use up your HRA, you pay the Bridge amount (similar to a deductible), and then a Traditional Health Component begins (where you pay a coinsurance for most covered services)	There is no deductible You pay a copay for office visits and other services
Prescription drug benefits	In-network coverage is similar in the PPO and EPO plan options - you pay a copay or coinsurance, whichever is greater		Your unsed HRA funds roll over to the next plan year Paid through your HRA and Traditional Health Coverage component of the program; phramacy network and mail-order program provided through MedcoHealth	Coverage and adminstration vary by HMO
Prescription drug benefits	Provided through Express Scripts (ESI)	Provided through the EPO carrier