Health insurance helps you pay most medical and surgical expenses and preventative care costs. Plans also offer help covering the costs of prescription drugs. PEHP offers state employees three medical plans. Each medical plan has two associated networks to choose from. Each of the networks offers thousands of participating providers and several hospital options. Plan rates and co-pays or allowances depend on which plan options and networks you choose within each plan.

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Plan Options

• STAR Plan – This high-deductible health plan has a small premium share for state employees on the Summit or Advantage Network. The premium is larger for the Preferred Care Network. The state contributes to an associated Health Savings Account (HSA).

• Traditional Plan – This plan has a lower deductible than other plans, but employees are responsible for higher premiums. It is not an HSA-qualified plan.

• Consumer Plus – While there is no premium for this high deductible plan (unless Preferred Care is selected), and the state contributes to an associated Health Savings Account (HSA), this plan offers only essential benefits and catastrophic coverage.

Network Options

• Summit Care network consists of IASIS, MountainStar, the University of Utah hospitals and clinics, providers, and facilities.

• Advantage Care network predominantly comprises Intermountain Healthcare (IHC) providers and facilities.