Medical plans
What is the Traditional Plan?
A lower medical deductible, with prescription costs counted separately.
Traditional Plan Basics
- Preventive care is covered 100%, no cost to you.
- Higher monthly contribution, but lower deductible than the Healthy Savings plan.
- Two OOP Maximums: one for Medical costs, one for Prescription costs.
- Perfect for people with ongoing medical needs.
Open Enrollment: choose and use coverage
- 1
Compare your total annual costs, not just the deductible.
- 2
Use Oracle Benefits / Make Changes to make your election.
- 3
Submit dependent verification documents.
- 4
After your BCBS card arrives, register on the BCBS portal and review your prescriptions with Prime.
Traditional Plan
Deductible
$850just you
$1,700family: $850 each, met by 2 people
Medical only. Prescriptions are separate.
Most you pay in a year (out-of-pocket maximum)
$4,000just you
$8,000family
Medical. Prescriptions have their own limit: $2,500 just you, $5,000 family.
You may choose
A Health Care Flexible Spending Account (FSA).
Non-preventive care
20%you pay once deductible is met
Emergency room
$300copay plus deductible, you pay 20%
Prescriptions
10%generic
20%brand
35%not on the formulary
Immediate co-insurance, no deductible first. $5 minimum.
What do I pay when I use care?
Medical plans · using them
Preventive care is $0 from the start.
Both plans
Once you reach your maximum
The plan pays for the rest. Out of network may cost more.
100%
How are my prescriptions covered?
Check your medication, your plan’s cost share, and any approval.
More about this benefit
Your medical plan determines your share
Prescription coverage is included with your medical plan. Costs depend on the medical option and whether the drug is generic, formulary brand or non-formulary brand.
A cost that does not count toward the maximum
Copayments for the difference between a brand-name product and its generic equivalent do not count toward the out-of-pocket maximum.
Check before you fill
- 1
Review covered medications in the MyPrime formulary.
- 2
Compare local pharmacy prices, generic options and home delivery.
- 3
Ask your physician to complete any required prior authorization, step therapy or quantity-limit form.
What the approval terms mean
- 1
Prior authorization: certain medications need approval.
- 2
Step therapy: another clinically appropriate or lower-cost medication may need to be tried first.
- 3
Quantity limit: a dose outside recommendations may require additional explanation.
Next step
Use MyPrime to check the formulary, compare prices or find approval forms.
What comes out of your paycheck, per week
Planters Suffolk · Traditional Plan · per week
| Coverage | Per week |
|---|---|
| Just you | $35 |
| You + children | $51 |
| Family | $87 |
Do this
Pick one in Oracle by 5 p.m. Central on November 16, 2026.
More about this benefit
What is included
Medical and prescription coverage use the same BCBS network as the Healthy Savings Plan. Medical and prescription spending are separate. A Health Care FSA is available. Covered in-network preventive care is paid at 100%.
Family deductible rule
The deductible is $850 per person, capped at $1,700. Please note that the $1,700 must be met by two people.
Next step
Compare the lower deductible against your higher weekly contribution.
Who to call
Questions? Horizon Solution Center · (866) 449-7712