EMPLOVA BENEFITS

Plan comparison center

Plan details2026–2027

MEDICAL PLAN DESIGNS

Every medical plan. One clear view.

Compare copays, deductibles, out-of-pocket limits and network coverage across all 11 Emplova medical options.

Benefit names
In-Network Only Plans
HSA Plans
In & Out of Network Plans
BenefitAll amounts shown per plan
EPOValue EPO
EPOBasic EPO
EPOComprehensive EPO
HSA · EPOHSA EPO 5000
HSA · PPOHSA PPO 3000
PPOFocus PPO
PPOEssential PPO
PPOSelect PPO
PPOEnhanced PPO
PPOPremier PPO
PPOExclusive PPO
In-Network plan highlights
Primary care visit
$30
$30
$25
D
D
$30
$30
$25
$20
$20
$20
Specialist visit
$50
$50
$50
D
D
$50
$50
$40
$40
$30
$20
DeductibleFamily is 2×
$2,500
$500
None
$5,000
$3,000
$3,000
$2,000
$1,000
None
None
None
Maximum out-of-pocketFamily is 2×
$6,350
$4,000
$4,000
$6,350
$3,500
$6,000
$4,000
$5,000
$4,000
$4,000
$2,500
Coinsurance
20%
10%
None
None
None
20%
20%
10%
None
None
None
Outpatient / inpatient hospital
D&C
D&C
$250 / $500
D
D
D&C
D&C
D&C
$250 / $500
$250 / $500
$250 / $500
Urgent care
$75
$50
$50
D
D
$75
$75
$75
$40
$30
$20
Emergency room visit
$300
$200
$100
D
D
D&C
$300
$300
$100
$100
$100
Prescription drugs
$10 / $30 / $75
$10 / $30 / $50
$10 / $30 / $50
$15 / $35 / $75 (AD)
$10 / $30 / $50 (AD)
$15 / $35 / $75
$15 / $35 / $75
$15 / $35 / $75
$10 / $30 / $50
$10 / $30 / $50
$10 / $30 / $50
Out-of-Network plan highlights
DeductibleFamily is 2×
N/A
N/A
N/A
N/A
$3,000
$6,000
$5,000
$3,000
$1,000
$500
$300
Maximum out-of-pocketFamily is 2×
N/A
N/A
N/A
N/A
$4,500
$12,000
$8,000
$10,000
$5,000
$4,000
$2,500
Coinsurance
N/A
N/A
N/A
N/A
30%
40%
40%
30%
30%
30%
20%
Reimbursement table
N/A
N/A
N/A
N/A
80th % UCR
150% Mdcr
150% Mdcr
150% Mdcr
80th % UCR
80th % UCR
90th % UCR