- Washoe County School District
- Open Enrollment Fall 2024
- PPO vs. HDHP
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We offer two medical plan options, a PPO (Preferred Provider Organization) or a HDHP (High Deductible Health Plan). Please remember WCSD pays for employees' premium in full regardless of which plan you choose.
Below is a high-level overview of the differences between the two plans. Choosing between these two plans depends on your healthcare needs, financial situation, and if you would prefer to pay more in premiums or when you access care.
PPO HDHP Higher monthly premium
Lower monthly premium Lower deductible
Higher deductible Lower out-of-pocket maximum
Higher out-of-pocket maximum Access to the GAP plan
Access to a Health Savings Account (HSA) Key Terms: PPO Example: HDHP Example: Co-Pay: Your co-pay is the predetermined amount you will pay when seeing a provider that is in-network. Your co-pay does not count towards your deductible. When you go to visit an in-network Primary Care Physician you pay a $35 at your appointment. When you go to visit your Primary Care Physician you pay for your appointment in full. You could use your HSA funds or pay out of pocket. Deductible: Your deductible is the amount you must pay before your insurance starts to pay. Examples of payments that count towards your deductible include, In-Network:
Individual: $500
Family: $1,000
In-Network:
Individual: $3,300
Family: $5,000
Co-Insurance: Once your deductible is met, the co-insurance is the percentage you pay. In-Network:
Member Portion: 20%
WCSD Portion: 80%
In-Network:
Member Portion: 20%
WCSD Portion: 80%
Out-of-Pocket Maximum: Your out-of-pocket maximum is the amount you will pay before your health insurance will pay 100%. Individual: $4,000
Family: $8,000
Individual: $6,550
Family: $13,100
*Please note if you access care that is out of network, your deductible, co-insurance and out-pocket maximum will increase. You can still access care, but you will be responsible for a larger out of pocket portion.