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 Wise^Max - HDHP H HMO
• HNE Essential^Plus - Option 9M
• HNE Essential^Max - Option 9H
• HNE Focus - Option 8H

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

• HNE Choice - Option 7L
• HNE Choice^Plus - Option 7M
• HNE Complete^Plus - Option 7H
• HNE Complete^Max - Option 5

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 Health^Max - Option 3
• 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.

• PPO Basic
• PPO Value
• PPO Premium