This tool is designed to help you compare the 2012 Publicis Benefits Connection medical plans, the Standard PPO and the Premier PPO.

Get started by choosing a category above, or download the printable comparison summary.

You can also review your Open Enrollment Newsletter to see examples of how the plans work for an employee who only covers himself and an employee who covers her family.

The amount you contribute per paycheck for medical coverage varies based on your base salary and coverage election, but you will always pay significantly less for coverage under the Standard PPO than under the Premier PPO.

When the reduced contribution rates are taken into account, an independent analysis shows that under the Standard PPO:

• 95% of employees with employee-only coverage will pay less in total out-of-pocket costs for health care than under the current EPO or Premier PPO.
• 85% of employees who cover themselves plus two or more dependents will pay less in total out-of-pocket costs for health care than under the current EPO or Premier PPO.

Your contribution rates can be obtained from your local Human Resources representative. The equation below shows how you can calculate your annual paycheck savings under the Standard PPO:

Review your Open Enrollment Newsletter to see examples of how the plans work for an employee who only covers himself and an employee who covers her family.

Here's how the deductibles and out-of-pocket maximums compare under the new Standard PPO and the Premier PPO.

		Standard PPO		Premier PPO
		In-Network	Out-of-Network	In-Network	Out-of-Network
Calendar Year Deductible	Single	$500	$1,000	$250	$500
	Family	$1,000	$2,000	$500	$1,000
Out-of-Pocket Maximum, Excluding Deductible	Single	$4,000	$8,000	$2,000	$4,000
	Family	$8,000	$16,000	$4,000	$8,000

Review your Open Enrollment Newsletter to see examples of how the plans work for an employee who only covers himself and an employee who covers her family.

Here's how copays and coinsurance compare under the new Standard PPO and the Premier PPO.

	Standard PPO		Premier PPO
	In-Network Coverage	Out-of-Network Coverage	In-Network Coverage	Out-of-Network Coverage
Wellness Care*	Covered at 100% with no copay	60%; subject to deductible	Covered at 100% with no copay	70%; subject to deductible
Physician Visit	$20 copay		$15 copay
Specialist Visit	$30 copay		$20 copay
Emergency Room Visit	80%; not subject to deductible		90%; not subject to deductible
Hospital Stay	80%; subject to deductible	60%; subject to deductible	90%; subject to deductible	70%; subject to deductible
Mental Health/Substance Abuse (Outpatient)	$30 copay		$20 copay
Mental Health/Substance Abuse (Inpatient)	80%; subject to deductible		90%; subject to deductible
Infertility Office Visit	$30 copay		$20 copay
Infertility Hospital or Outpatient Facility Services**	80%; subject to deductible		90%; subject to deductible
Most Other Services	80%; subject to deductible		90%; subject to deductible
Prescription Drugs	80%; subject to minimum and maximum copays

  * Annual physicals for adults; well child exams covered as defined by standards of the American Academy of Pediatrics.
** $15,000 lifetime maximum benefit will apply to artificial reproduction technology. Artificial reproduction technology includes artificial insemination, IVF,
    ZIFT and GIFT.

Review your Open Enrollment Newsletter to see examples of how the plans work for an employee who only covers himself and an employee who covers her family.