Medical Coverage

In our effort to provide you and your family with high-quality, affordable medical coverage, we offer the following medical plans:

Three Medical Plan Options

1. The Consumer-Directed Health Plan with a Health Savings Account (HSA), administered by Blue Cross Blue Shield of GA (BCBS). This is the “HSA Plan.”
2. The Point-of-Service (POS) Plan, administered by Blue Cross Blue Shield of GA (BCBS).   This is the “POS Plan.”
3. The HMO Plan, administered by Kaiser Permanente (Kaiser). This is the “HMO Plan.”

Each plan has unique features and advantages, so please review the following information carefully.
Plan Highlights

BCBS CDHP with HSA Plan

• The HSA Plan is an IRS HSA-qualified Health Plan with a Health Savings Account. It uses the same BCBS network of providers as the POS Plan.
• The HSA Plan gives you the flexibility to visit any provider in or out of the BCBS network.
• When you enroll in the plan, a Health Savings Account will be set up in your name automatically and you will receive a welcome kit.   (Health Equity administers the HSA Account on behalf of BCBS)
• You can use your HSA to help you meet the Plan’s deductible and pay other out- of-pocket covered medical expenses.

BCBS POS Plan

• The POS Plans give you the flexibility to visit any provider in or out of the BCBS network.
• You and the Plan share the cost of your care through an annual deductible, copays, and coinsurance.

KAISER HMO PLAN

• The HMO Plan has a different provider network and health care model than the HSA and POS Plans.
• The plan pays benefits only when you receive care from a Kaiser HMO network provider or partner provider.   Otherwise, the plan does not pay benefits (except, in the case of emergency).
• You and the Plan share the cost of your care only through copays – there is no annual deductible or coinsurance.

All three plans offer Preventive care and preventive medications (as described under the Affordable Care Act—the ACA) are covered 100% by the Plan with no deductible or coinsurance.   These plans also offer comprehensive coverage for a wide range of medical services and supplies, and a large network of providers (primary doctors, specialists and hospitals).

Please see the 2022 Fulton County Benefits Guide for complete details.