Medical
We are committed to providing you and your family with affordable health care.
You have four medical plan options through Allegiance or Johns Hopkins Employer Health Programs (EHP):
Allegiance
- Consumer Driven Plan (CDP)
- Open Access Plan (OAP)
Plan Costs
Employee Contributions
You pay for medical and prescription drug coverage through biweekly paycheck deductions. The amount you pay is determined by which plan you choose, who you cover and your salary tier.
Annual Plan Limits
The deductible is the amount you pay before the plan starts to pay. The out-of-pocket maximum is the most you’ll pay for covered expenses each plan year. These limits reset annually on Jan. 1.
This table reflects in-network coverage only. For out-of-network details, view the medical comparison chart
| Allegiance CDP | Johns Hopkins EPO | Allegiance OAP | Johns Hopkins PPO | |
|---|---|---|---|---|
| Deductible1 | ||||
| Individual coverage | $2,000 | $500 | $1,000 | <$50K salary: $150 $50K-$120K salary: $200 >$120K salary: $300 |
| Family coverage | $4,000 | $1,000 | $2,000 | <$50K salary: $300 $50K-$120K salary: $400 >$120K salary: $600 |
| Out-of-pocket maximum | ||||
| Individual coverage | $3,000 | $3,000 | $2,000 | <$50K salary: $1,500 $50K-$120K salary: $2,000 >$120K salary: $3,000 |
| Family coverage | $6,000 | $6,000 | $4,000 | <$50K salary: $3,000 $50K-$120K salary: $4,000 >$120K salary: $6,000 |
What You Pay When You Receive Care
Once you meet the deductible, the plan shares the cost of care with you. You’ll pay either a percentage of the cost, called coinsurance, or a fixed-rate fee, called a copay.
This table reflects in-network coverage only. For out-of-network details, view the medical comparison chart . For full coverage details, view the Summary Plan Description (SPD) for each plan.
| Allegiance CDP | Johns Hopkins EPO | Allegiance OAP | Johns Hopkins PPO | |
|---|---|---|---|---|
| Coinsurance1 | You pay 10% | Preferred2: You pay 10% Cigna: You pay 20% |
You pay 10% | Preferred2: You pay 10% Cigna: You pay 20% |
| Primary Care Office Visit1 | $25 copay | $20 copay | $30 copay | $10 copay |
| Emergency Room | You pay 10% coinsurance, after $200 copay & deductible | $250 copay3 | You pay 10% coinsurance, after $200 copay & deductible | $250 copay3 |
| Urgent Care | $50 copay | $40 copay | $50 copay | $25 copay |
- The deductible, coinsurance and copay does not apply to services from Johns Hopkins All Children’s Hospital physicians, providers or partner facilities for dependent children (excluding the emergency room). You’ll pay nothing out of pocket.
- Preferred physicians and providers are those in the EHP Preferred Provider Network. Visit the EHP website and select Search the EHP Network to find preferred providers.
- For select services such as hospitalization, coverage begins once you have met the deductible for the plan year.
Prescription Drugs
The cost for prescription drugs depends on the tier of drug and quantity you fill.
View prescription drug coverage details.
Choosing the Right Plan
Review these plan highlights, compare the plans side by side and talk to ALEX to get personalized recommendations.
What’s the Same
- Preventive care: In-network preventive care is covered 100%, including annual checkups, screenings, exams and vaccinations.
- Prescription drugs: All medical plans administer prescription drug coverage through CVS Caremark and offer the same no-cost programs for specialty, asthma and diabetes medications.
- Flexible spending account (FSA): All medical plans can be paired with a health care FSA.
- Johns Hopkins All Children’s Hospital providers: All medical plans offer no-cost coverage for services from JHACH providers (except the emergency room) so you’ll pay nothing out of pocket.
What’s Different
- Out-of-network coverage: The Allegiance CDP and Johns Hopkins EPO plans do not include out-of-network coverage. The Allegiance CDP and Johns Hopkins EPO plans include out-of-network coverage, but you’ll pay less when you use in-network providers.
- Health Reimbursement Account (HRA): The Allegiance CDP plan is the only plan that comes with an employer- funded HRA. Learn more about the HRA below.
- Provider networks: The Allegiance plans use the Cigna PPO network of providers. The EHP plans use a larger Cigna network and their EHP network of preferred providers.
Comparison Chart
View a detailed medical plan comparison chart .
ALEX, Your Online Benefits Counselor
ALEX can provide personalized recommendations to help you make confident, informed choices.
Utilice ALEX en español. Al empezar su experiencia con ALEX, puede cambiar el idioma a español desde la esquina derecha de arriba.
Paying for Medical Care Expenses
Health Care Flexible Spending Account (FSA)
No matter which medical plan you choose, you can contribute pre-tax to a health care FSA to pay eligible medical, dental and vision expenses.
Visit Flexible Spending Accounts (FSA) for more details.
Health Reimbursement Account (HRA)
The HRA is an employer-funded account that automatically pays eligible medical expenses, like your deductible and copays. This account is only available with the Allegiance CDP plan.
JHACH contributes to the HRA at the beginning of each plan year:
- $600 for individual coverage
- $1,200 for family coverage
Any unused funds in your HRA automatically roll over to the next plan year if you stay enrolled in the Allegiance CDP plan. If you leave the Allegiance CDP plan, you’ll lose all HRA funds.
Want Added Protection?
Consider enrolling in supplemental medical coverage that helps pay for expenses not covered by your medical plan.
Finding the Right Medical Care
In-Network Providers
See if your current providers are in network or find other in-network doctors and facilities near you:
- Allegiance: Search the Cigna network
- EHP: Search the Cigna or EHP network
Prescription Drugs
All medical plans administer prescription drug coverage through CVS Caremark and offer the same no-cost programs for specialty, asthma and diabetes medications.
View prescription drug coverage details.
Other Health Benefits
Depending on which medical plan you choose, you have access to additional benefits such as:
- Virtual primary, pediatric and mental health care
- Care coordination
- Maternity management
- Cancer support
Visit Other Health Benefits for details.