Medical, Dental, and Vision Plan Comparison: How to Choose

This guide explains the most common terms used to compare plans and avoid surprises.

Quick definitions

• Premium: what you pay each pay period
• Deductible: what you pay before the plan starts paying
• Copay: fixed cost for a visit (e.g., $30 primary care)
• Coinsurance: percentage you pay after deductible (e.g., 20%)
• Out-of-pocket max: the most you pay in a plan year for covered services

How to choose (simple approach)

1. If you expect frequent care or ongoing prescriptions, compare out-of-pocket max and network coverage.
2. If you expect minimal care, compare premium and deductible levels.
3. If you are considering an HSA-eligible plan, confirm eligibility and contributions.

Note: HR can explain plan options and process, but cannot provide medical advice.