Classic PPO

The Classic PPO is a traditional preferred provider organization medical plan. You pay only set copays for office visits. For other services, you meet a deductible first, then the plan pays a portion of the cost until you meet your out-of-pocket maximum. At that point, the plan covers 100% of remaining eligible expenses.

The deductible is lower than for the HSA and Basic PPO options, and there’s no deductible for prescription drugs (those have a copay from the get-go). But with the PPO, you pay more from each paycheck.

The Classic PPO’s higher paycheck contributions are only worth the cost if you can’t afford to meet the HSA deductible — minus any money you get from XPO.