FAQs

You have four medical plan options to choose from:

• PPO 1000
• HSA 1600
• HSA 2500
• Value Medical

Your JCPenney coverage is designed to provide protection if you need medical care. Each plan covers the same treatments, including 100% coverage for preventive care, and all plans include prescription drug coverage.

The main difference between the medical plans is how you pay for coverage:

• Premiums: What you pay from your paycheck.
• Out of Pocket: This includes deductibles, co-pays, co-insurance, and other costs you incur when you seek care.

The JCP medical plans give you the option of selecting a plan with higher premiums and lower out-of-pocket costs, or higher out-of-pocket costs and lower premiums. The plan you select should be based on the healthcare needs of you and your family.

Two of our plans—the HSA 2500 and the HSA 1600—are high-deductible health plans that allow you to contribute to an HSA. Contributing to an HSA allows you to save pre-tax dollars for out-of-pocket healthcare expenses, and your balance is never forfeited. HSAs are a great way to build savings for both routine care you can plan for and unexpected future healthcare needs.

Below is a high-level comparison of the plans. Be sure to use the tools on the enrollment site to get a more detailed, side-by-side comparison of the plans.

The medical plans are administered by Blue Cross and Blue Shield of Texas (BCBSTX) and Cigna. Your carrier is based on your state of residence and is automatically assigned when you enroll. The carriers’ networks of doctors and facilities will vary, but the benefits and premiums are the same for both.

Yes. Coverage for prescription drugs filled at in-network pharmacies is automatically included when you enroll in any of our medical plan options. If you choose to fill prescriptions at out-of-network pharmacies, you may have to pay the full cost for these medications. Refer to your 2024 Benefits Enrollment Guide for more information on coverage.

You do not have to make contributions to the HSA, but you could be missing out! If you enroll in the HSA 1600 plan, an HSA will be opened on your behalf, and you will receive a JCP contribution to your HSA. The Company contributes $500 per year for You Only coverage, $750 for You +Spouse or Child(ren) or $1,000 for You + Family coverage if you enroll in the HSA 1600 medical plan.