Medical Benefits

Medical care for you and your family is important.

Quality medical coverage is one of the most valuable benefits you enjoy as a Colonial Group, Inc. employee. We offer a choice of two medical plans with varying coverage levels and costs including our new High Deductible Health Plan (HDHP) and Traditional PPO plan through Healthgram. This gives you the flexibility to choose what's best for your needs and budget.

Click here for a tool to compare medical plan options
Medical Benefits
New HDHP
Traditional PPO
In-Network | Out-of-Network
In-Network | Out-of-Network
Calendar Year Deductible
  • Individual
  • Family
Non-Embedded ⊕
$1,650 | $3,300 $3,300 | $6,600
Embedded ⊕
$0 | $750 $0 | $2,250

Out-of-Pocket Maximum

  • Individual
  • Family
$3,300 | $6,600 $6,600 | $13,200
$2,500 | $5,500 $7,500 | $16,500

Preventive Care

No charge | 40%*
No charge | 50%*
Primary Care Office Visits
20%* | 40%*
$20 copay | 50%*
Specialist Office Visits
20%* | 40%*
30%* | 50%*
Inpatient Hospital Stay (per stay)
20%* | 40%*
30%* | 50%*
Outpatient Services
20%* | 40%*
30%* | 50%*
Emergency Room
20%* | 20%*
$250 copay then 30%*
Labs & X-Rays
20%* | 40%*
30%* | 50%*
Colonial Group HSA Contribution Individual | Family
$500 | $1,000
N/A
Plan Summary of Benefits & Coverage / More Information
Coming Soon!
Coming Soon!
Pharmacy Plan
New HDHP
Traditional PPO
In-Network | Out-of-Network**
In-Network | Out-of-Network**
Out-of-Pocket Maximum
  • Individual
  • Family
Included in Medical Out-of-Pocket Maximum
$3,500 $6,000

Retail: 30-day supply

Generic

20%* | Not covered
$10 copay | Not covered
Preferred Brand
20%* | Not covered
30%* | Not covered
(In-Network: $25 min, $50 max)
Non-Preferred Brand
20%* | Not covered
50%* | Not covered
(In-Network: $50 min, $100 max)
Specialty
20%* | Not covered
20%* | Not covered
(In-Network: $250 max)
Mail Order: 90-day supply
Preferred Generic
20%*
$20 copay
Preferred Brand
20%*
$75 copay
Non-Preferred Brand
20%*
$150 copay

Deductible must be met before coinsurance/copays apply* No coverage for Out-of-Network pharmacies, including Sam's Club and Kroger**

Preventive Care

Preventive care which is your annual exam and lab tests to monitor health and detect potential issues, is covered at 100% in-network!

  • Not all exams and tests are considered preventive
  • Covers routine wellness or preventive exams including gynecological, mammogram for 40 years and over, bone density for 50 years and over, prostate, PSA for 40 years and over, rectal exams and colonoscopies for 50 years and over
  • Typical screenings for adults are:

- Blood pressure - Cholesterol - Diabetes - Colorectal Cancer Screening - Depression - Mammogram - OB/GYN screening - Prostate cancer screening - Testicular exam

Continue to Wellness Program