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Which benefits are right for me?

Take this quiz to help you make the right decision.

No matter where you are in life, medical coverage is a valuable tool for your health and financial wellness. JCPenney offers four different medical plans to fit all sizes, but picking the plan that is the right fit for you and your family can be confusing. Answer a few questions to help narrow your choices.

Start the Quiz
What is most important when you consider health benefits?
I need them just in case of a major accident or illness so that I won’t go broke paying medical bills.
Give me good coverage at a good price and a way to save for future medical costs.
Give me good coverage at a reasonable price and some startup money from JCP to help pay for care
I want to pay very little at the doctor or pharmacy, even if it means paying a LOT more from my paycheck.
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How much are you willing to spend on medical coverage each paycheck?
As little as possible.
I don’t want to spend more than I need to. I want a good value.
I can afford to stay with what I know.
As much as it takes to get the coverage I want.
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You hurt your back over the weekend and the following week, it’s still hurting. What do you do?
I’ll go to the urgent care clinic right away.
I’ll take some pain medication to get through my day. I’ll call my doctor if it isn’t better in a few more days.
I call MDLive for a virtual doctor’s visit.
I schedule an appointment with my doctor. She will send me to a specialist if necessary.
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Saving tax-free money today to pay for future health care needs is...
Not something I can do right now.
Smart! I like saving money AND beating Uncle Sam out of his cut.
Unnecessary. Let’s worry about tomorrow, tomorrow.
Overrated. I don’t need to worry about taxes.
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Would you be interested in getting up to $1,000 from JCPenney to pay medical care for you and your family?
Yes, that would be great!
I need to learn more before I decide.
Sounds too good to be true. No thanks.
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It looks like the {{plan_name}} may be a good fit for you and your family.

Remember, when evaluating medical plans, there’s more to consider than just the paycheck cost. See the numbers in action for the four plans with the Real-Life Examples and carefully review the plan details in the Benefits Guide so you can make an informed decision.

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Medical Plan Comparison

Remember, when evaluating medical plans, there’s more to consider than just the paycheck cost.

Value Plan
HSA 2500
HSA 1600
PPO 1000
Total Out-of-Pocket Cost
Out-of-Paycheck Cost
Allows you to contribute to a tax-savings HSA
JCP contribution to pay for care
Employee Only: $500
Employee + Spouse/ Child: $750
Family: $1,000
How you pay for care
Co-pays for some, deductible + co-insurance for other
Deductible + co-insurance
Deductible + co-insurance
Co-pays for some, deductible + co-insurance for other
Annual Deductible
Employee Only: $5,000
Other levels: $16,300
Employee Only: $2,500
Other levels: $5,000
Employee Only: $1,600
Other levels: $3,200
Employee Only: $1,000
Other levels: $2,000
Annual Out-of-Pocket Maximum
Employee Only: $5,000
Other levels: $16,300
Employee Only: $2,500
Other levels: $5,000
Employee Only: $6,500
Other levels: $13,000
Employee Only: $3,500
Other levels: $7,500
Get Help

Have questions?

Get quick and easy access to all your benefit vendors. For general benefit questions, such as eligibility or enrollment, call the JCPenney Benefits Center to speak with a benefits specialist.

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