Basic plans feature lower monthly premiums with higher out-of-pocket costs for covered services. These plans generally include higher copayments and annual deductibles that apply to covered services.

• HNE Wise^Plus - HDHP M HMO
• HNE Essential²⁰⁰⁰
• HNE Essential¹⁵⁰⁰
• HNE Essential¹⁰⁰⁰

Value plans feature intermediate pricing for both monthly premiums and out-of-pocket costs.

• HNE Essential⁵⁰⁰
• HNE Focus - Option 8H
• HNE Choice^Plus - Option 7M

Premium plans have higher monthly premiums, but lower out-of-pocket costs for covered services. These plans feature low copayments, and typically do not include deductibles.

• HNE Complete^Max - Option 5
• HNE Complete^Plus - Option 7H
• HNE Principle - Option 4

Preferred Provider Organization (PPO) plans allow members to use HNE’s network of doctors, or to receive covered services outside of the network. Out of pockets costs are lower for in-network services, and higher for those received out-of-network. Out of network costs usually include deductibles and coinsurance.

• HNE PPO Focus
• HNE PPO Complete
• HNE PPO Focus^National
• HNE PPO Complete^National
• HNE PPO Wise