Medical
FLYR offers a selection of plans that can help you and your family stay healthy.
Depending on where you live, you have several medical plans to choose from. Please be aware that you will not have an opportunity to adjust your plan selection until the next open enrollment period, unless you experience a qualifying life event.
When selecting the plan that best suits your and your family’s needs, review your options, understand how each plan covers medical and prescription drug services, and ask yourself the following questions:
What Medical Plan Is Right for You?
The right medical plan for you depends on:
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Your future healthcare needs
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Your risk tolerance
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Your preferences
Understanding your medical plan options
Before enrolling for coverage, understand the types of plans offered. Do you want to pay lower per paycheck contributions but pay more at point of care, do you want the choice to visit in- or out-of-network providers, or visit only in-network providers? The answers to these questions can help you decide which plan to enroll in.
All plans provide 100% coverage for in-network preventive care. Additionally, the plans also provide cost-sharing for services including pre-existing conditions, hospital stay, prescription drug, as well as mental health services. Your monthly costs and out-of-pocket expenses will vary based on the plan and coverage level you select.
Compare the medical plans
What is a PPO?
Available in most locations in the US
PPO stands for Preferred Provider Organization. This is a medical plan that offers higher coverage when you see in-network providers and lower coverage when you see out-of-network providers. PPO plans also allow you to visit any providers without first requiring a referral from a primary care physician.
FLYR offers two PPO plans through Blue Shield:
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Blue Shield PPO 500
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Blue Shield PPO 1000
What is an HDHP?
Available in most locations in the US
This plan is a High Deductible Health Plan with a Health Savings Account (HSA). It covers services provided by both in-network and out-of-network providers at a higher out-of-pocket cost than the PPO plan, and allows you to save money through the HSA.
FLYR offers an HDHP through Blue Shield:
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Blue Shield HSA
What is an HMO?
Available in certain locations
in California, Washington, and Oregon only
HMO plans offer a wide range of healthcare services through a network of providers who agree to supply services to members. You're required to coordinate your care through a Primary Care Physician when you are enrolled in an HMO.
FLYR offers two HMO plans through Kaiser Permanente:
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Kaiser HMO California
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Kaiser HMO Northwest
PPO PLANS
BENEFIT SUMMARIES
Blue Shield PPO 500 Benefit Summary
Blue Shield PPO 1000 Benefit Summary
SUMMARY OF BENEFITS & COVERAGE
A PPO plan contracts with medical providers to create a network of participating providers.
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You have the choice of two PPO Plans
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In-network and out-of-network coverage is included
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No referral necessary from PCP for specialist services
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You pay a fixed copay for each doctor visit and some services
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You need to first meet the annual deductible and then coinsurance will apply
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Deductible is waived for prescription drugs and only copays apply
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Preventive care is covered at 100%
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Prescriptions are covered depending on the drug formulary. Review the covered medications through the Blue Shield of California PPO Value Drug Formulary.
Learn more about the Blue Shield network and how to find a doctor or provider.
Your paycheck contribution depends on your level of coverage. To review your costs, log on to PlanSource.
High Deductible Health Plans (HDHP) are the only plans that allow you to contribute to a Health Savings Account (HSA)
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In-network and out-of-network coverage is included
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No referral necessary from PCP for specialist services
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The Health Savings Account (HSA) is available with this plan. You can contribute to the HSA up to the IRS limit and gain tax advantages
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Preventive care is covered at 100%
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You pay 100% out-of-pocket for care, including prescription drugs, until you reach your deductible
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Prescriptions are covered depending on the drug formulary. Review the covered medications through the Blue Shield of California HDHP Plus Drug Formulary
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This plan has the lowest per paycheck cost. Your contributions depend on your level of coverage, there is no cost for employee-only coverage in this plan. To review your costs, log on to PlanSource.
Learn more about the Blue Shield network and how to find a doctor or provider.
HDHP with HSA PLAN
KAISER HMO PLANS
BENEFIT SUMMARIES
SUMMARY OF BENEFITS & COVERAGE
Kaiser is available to employees who live in specific locations in California, Washington, or Oregon
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Kaiser is a Health Maintenance Organization (HMO) that provides patient services, hospitalization, supplies and prescription drugs through its own network of doctors, hospitals and other Kaiser-affiliated health care facilities
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Kaiser covers your expenses only if you go to a Kaiser provider or facility. (You are covered if you have a life threatening emergency when you are outside of a Kaiser service area.)
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Once enrolled, you will select a PCP to manage your care within Kaiser's network and to refer you to specialists
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Per paycheck costs are required for enrolling in the Kaiser plans
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Your paycheck contribution depends on your level of coverage. To review your costs, log on to PlanSource.
