HPN Plans

HPN stands for High Performance Network. These are plans that are designed to give members the highest quality of health care, through coordinated networks of providers, at the most affordable cost possible. HPN plans require members to stay in-network for services as out-of-network coverage is limited to urgent care and emergency care only. Plan eligibility is driven by eligible regions so not all groups are eligible for HPN benefits.

ELIGIBLE REGIONS

Charlotte

Counties: Anson, Cabarrus, Cleveland, Gaston, Lincoln, Mecklenburg, Rowan, Stanly, Union, York (SC)

Triad

Counties: Davie, Davidson, Forsyth, Guilford, Randolph, Stokes, Wilkes, Yadkin

Triangle

Counties: Caswell, Chatham, Durham, Granville, Orange, Person, Wake

Hickory

Counties: Alexander, Catawba, Iredell

2024 Plan Offerings

The values below are for in-network benefits for the 2024 plan year.

PPO Products (Click for Highlights)	Annual Deductible (Individual/Family)	Out-of-Pocket Maximum Individual/Family (Includes all copays, deductibles, & coins)	Office Visit Primary & Telemedicine	Office Visit Specialist	Hospital Inpatient/Outpatient (Includes Maternity, Mental Health, & Substance Abuse)	Mental Health & Substance Abuse Outpatient Services & Office Visit	Urgent Care/ER	Prescription Drug
HPN PPO 2500-80	$2,500/$7,500	$7,150/$14,300	$35	$70	80% after deductible	100%	$75/$500	$10/$25/$40/$80/25% (max $100)
HPN PPO 2500-70	$2,500/$7,500	$8,150/$16,300	$35	$70	70% after deductible	100%	$100/$1,000	$10/$25/$40/$80/25% (max $100)
HPN PPO 2500-60	$2,500/$5,000	$8,150/$16,300	$45	60% after deductible	60% after deductible	100%	$135/60% after deductible	$10/50% (max $100)
HPN PPO 3500-60	$3,500/$7,000	$8,150/$16,300	$45	60% after deductible	60% after deductible	100%	$135/60% after deductible	$10/50% (max $100)
HPN PPO 4000-70	$4,000/$8,000	$8,550/$17,100	$50	$100	70% after deductible	100%	$100/$1,000	$15/$35/$45/$90/35% (max $200)

HDHP Products (Click for Highlights)	Annual Deductible (Individual/Family)	Family Member Deductible	Family Member Out-of-Pocket Limit	Office Visit Primary/Telemedicine/Specialist	Hospital Inpatient & Outpatient (Includes Maternity, Mental Health, & Substance Abuse)	Urgent Care/ER	Prescription Drug
HPN HDHP 2700-100	$2,700/$5,450	N/A	N/A	100% after deductible	100% after deductible	100% after deductible	100% after deductible
HPN HDHP 2700-80	$2,700/$5,450	$5,450	$6,550	80% after deductible	80% after deductible	80% after deductible	80% after deductible
HPN HDHP 5000-100	$5,000/$10,000	$6,550	$6,550	100% after deductible	100% after deductible	100% after deductible	100% after deductible

2023 Plan Offerings

The values below are for in-network benefits for the 2023 plan year.

PPO Products (Click for Highlights)	Annual Deductible (Individual/Family)	Out-of-Pocket Maximum Individual/Family (Includes all copays, deductibles, & coins)	Office Visit Primary & Telemedicine	Office Visit Specialist	Hospital Inpatient/Outpatient (Includes Maternity, Mental Health, & Substance Abuse)	Mental Health & Substance Abuse Outpatient Services & Office Visit	Urgent Care/ER	Prescription Drug
HPN PPO 2500-80	$2,500/$7,500	$7,150/$14,300	$35	$70	80% after deductible	100%	$75/$500	$10/$25/$40/$80/25% (max $100)
HPN PPO 2500-70	$2,500/$7,500	$8,150/$16,300	$35	$70	70% after deductible	100%	$100/$1,000	$10/$25/$40/$80/25% (max $100)
HPN PPO 2500-60	$2,500/$5,000	$8,150/$16,300	$45	60% after deductible	60% after deductible	100%	$135/60% after deductible	$10/50% (max $100)
HPN PPO 3500-60	$3,500/$7,000	$8,150/$16,300	$45	60% after deductible	60% after deductible	100%	$135/60% after deductible	$10/50% (max $100)

HDHP Products (Click for Highlights)	Annual Deductible (Individual/Family)	Family Member Deductible	Family Member Out-of-Pocket Limit	Office Visit Primary/Telemedicine/Specialist	Hospital Inpatient & Outpatient (Includes Maternity, Mental Health, & Substance Abuse)	Urgent Care/ER	Prescription Drug
HPN HDHP 2700-100	$2,700/$5,450	N/A	N/A	100% after deductible	100% after deductible	100% after deductible	100% after deductible
HPN HDHP 2700-80	$2,700/$5,450	$5,450	$6,550	80% after deductible	80% after deductible	80% after deductible	80% after deductible
HPN HDHP 5000-100	$5,000/$10,000	$6,550	$6,550	100% after deductible	100% after deductible	100% after deductible	100% after deductible