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Medical Plan Decision Tips
When deciding which Medical Plan is right for you, it is important to look at your total cost, including what you pay for medical services and prescriptions AND what you pay in paycheck deductions for each plan. It’s also important to consider other factors that may be important to you and your family.
Pay more from your paycheck so you pay less when you need care
Have the predictability of co-pays for some office visits and care
Get a company contribution to help you meet out-of-pocket expenses
Participate in an account that will allow you to save tax-free money for future healthcare expenses
Spend more out-of-pocket knowing you can see any provider you choose each time you need care
Wait out a nagging, but less serious health problem until you can see your own doctor?
Go to an urgent care or ER right away if something begins hurting or become ill (i.e., you have a sore throat or minor injury)
Be able to invest the money you’ve contributed to a spending account so that it grows over time
Have coverage because you want protection if something catastrophic happens (i.e., accident, unexpected hospitalization)
Pay for prescriptions without having to first meet a deductible
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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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