Eligible employees and early retirees of Scripps Health may choose either the Scripps EPO Medical Plan or the Scripps PPO Medical Plan.

EPO Medical Plan – when you select the EPO plan you receive higher benefits for the lowest cost. The EPO plan covers care provided by Scripps Custom Network providers. Services by providers that are not in the Scripps Custom Network are not covered, except in the case of an emergency.

PPO Medical Plan – when you select the PPO plan you have the option at the time of service to select from two levels of benefits, Tier 1 and Tier 2.

Tier 1 – when you receive services from a Scripps Custom Network Provider, you receive the Tier 1 level of benefits which offers a higher level of coverage ($100 deductible, 100% coverage for in-patient hospital and 80% coverage for physician services).

Tier 2 – when you receive services from a National PPO Network Provider, you receive the Tier 2 level of benefits which offers a lower level of coverage ($400 deductible, and 60% coverage for most medically necessary services).

This is only a summary of certain benefits and services. Please see the Summary Plan Description for a complete explanation of benefits, limitations and exclusions.