How to choose a medical plan that is right for you
Each medical plans has its own benefits and terms. How do you choose the one that suits your needs the most?
At Enjoy, you can select from multiple medical plan options to meet your and your family’s needs. Use the guide below to learn about different life scenarios and which plan can support.
Use the guide below to learn about different life scenarios and which plan can provide the optimal support in each of the scenarios.
Nancy
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Employee Only coverage
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Generally healthy with some allergies
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Has a family history of skin cancer
Nancy would be best off in the Cigna OAP 2000 HSA plan.
See a detailed expense comparison of Enjoy's medical plans for Nancy here.
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She benefits from both low paycheck contributions and the automatic HSA contribution she receives from Enjoy.
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Under the Cigna OAP 2000 HSA plan, she receives an automatic HSA contribution from Enjoy, and she can build a savings account to use for future medical expenses.
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Under the Cigna OAP 2000 HSA plan, she can choose to see out-of-network providers and still receive coverage (at a lower coverage level than in-network).
Jim
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Employee Only coverage
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Generally healthy and enjoys hiking and playing sports with friends on the weekend
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Has to visit an emergency room in 2021
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He’s interested in saving money on a tax advantaged basis
Jim would be best off in the Cigna HMO or Kaiser HMO plan or the Cigna OAP 2000 HSA plan.
See a detailed expense comparison of Enjoy's medical plans for Jim here.
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Under the Cigna HMO plan, he benefits from low out-of-pocket costs when he needs care
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Under the Cigna OAP 2000 HSA plan, he benefits from low monthly contributions. He also receives an automatic HSA contribution from Enjoy which helps to offset the cost of his medical expenses over the course of the year. Although he uses up the entire contribution in 2021, he has an opportunity to build a savings account to use for future medical expenses.
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Kaiser HMO plan is available to employees who live in Kaiser’s service areas in CA, OR or WA.
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Peter and his spouse
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Covers himself and his spouse
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Peter is generally healthy
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His spouse takes a specialty drug and has regular office visits
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Peter values the flexibility to see out-of-network provide
Peter would be best off in the Cigna HMO or Kaiser HMO plan or the Cigna OAP 500 PPO plan.
See a detailed expense comparison of Enjoy's medical plans for Peter here.
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Under the Cigna HMO plan, he benefits from lower out-of-pocket expenses when he obtains care
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Under the Cigna OAP 500 PPO plan, he also benefits from lower out-of-pocket expenses when he obtains care. He can also choose to see out-of-network providers and still receive coverage (at a lower coverage level than in-network).
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Kaiser HMO plan is available to employees who live in Kaiser’s service areas in CA, OR or WA.
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Steve and his family
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Covers himself, his spouse, and their two children
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Steve has high cholesterol
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His spouse manages a heart condition
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His children are both active and generally healthy
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He’s interested in saving money on a tax advantaged basis
Steve would be best off in the Cigna HMO or Kaiser HMO plan or the Cigna OAP 2000 HSA plan.
See a detailed expense comparison of Enjoy's medical plans for Steve here.
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Under the Cigna HMO plan, he benefits from lower out-of-pocket expenses when he and his family obtain care
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Under the Cigna OAP 2000 HSA plan, he benefits from low monthly contributions. He also receives an automatic HSA contribution from Enjoy which helps to offset the cost of his medical expenses over the course of the year. Although he uses up the entire contribution in 2021, he has an opportunity to build a savings account to use for future medical expenses.
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Kaiser HMO plan is available to employees who live in Kaiser’s service areas in CA, OR or WA.
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