PEIA offers four plans:
- PPB Plan A
- PPB Plan B
- PPB Plan C
- PPB Plan D – For WV Residents Only
- The levels of coverage include Employee Only, Employee and Child(ren), Family, and Family with Employee Spouse.
- Monthly premiums are based on the employee’s annual salary and type of coverage elected.
- All plans are eligible to receive a $25 tobacco free discount for employee policies and a $50 discount for employee and child(ren) and family policies.
PPB Plan A
These are Preferred Provider Benefit (PPB) plans. PPB Plan A pays for a wide range of health care services for employees and their dependents. These plans are based on the yearly base salary of an employee.
The benefits are identical and include hospital services, medical services, surgery, durable medical equipment and supplies, and prescription drugs. The difference in these plans are the deductibles and out-of-pocket maximums.
PPB Plan B
These are Preferred Provider Benefit (PPB) plans. PPB Plan B pays for a wide range of health care services for employees and their dependents. These plans are based on the yearly base salary of an employee.
The benefits are identical and include hospital services, medical services, surgery, durable medical equipment and supplies, and prescription drugs. The difference in these plans are the deductibles and out-of-pocket maximums.
PPB Plan C
This is a High Deductible Health Plan (HDHP) and can be paired with the Health Savings Account (HCA). The HDHP premium is not salary based.
A HDHP is a plan that includes higher annual deductible than typical health plans. This plans also has higher out-of-pocket maximum that includes amounts paid toward the annual deductible and any coinsurance that you must pay for covered expenses.
The deductible in this plan is combined medical services and prescription drug costs, and must be met before the plan will pay for medical services or prescription drugs. The deductible does not include premiums.
PPB Plan D – For WV Residents Only
This plan you must have all services and care in West Virginia. The only services/care allowed outside of West Virginia is emergency care to stabilize patients for transport back to a West Virginia facility.
This is a Preferred Provider Benefit (PPB) plan and is based on yearly base salary.
The benefits are identical to PPB Plans A & B and include hospital services, medical services, surgery, durable medical equipment and supplies, and prescription drugs. The difference in these plans are the WV only services/care, deductibles and out-of-pocket maximums.