MEDICAL PLAN OPTIONS
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2025 Medical Plan at a Glance
2025
MEDICAL PLAN
AT A GLANCECharter
Select
Earn
$35,000
or lessCharter
BasicNexus
BasicChoice
HDHPCharter
PlusNexus Plus Choice RATES Based on 24 pay periods Employee Only $2.75 $21.18 $23.30 $36.95 $42.67 $46.94 $74.39 Employee + Spouse $106.92 $119.03 $130.93 $207.52 $160.68 $176.75 $267.69 Employee + Child(ren) $97.24 $110.24 $121.28 $192.25 $148.83 $163.71 $248.79 Employee + Family $176.55 $203.93 $224.33 $355.60 $275.30 $302.84 $430.11 2025 MEDICAL PLANS
To find a Kelsey provider click here
There are three Charter plan options
The Basic plan offers lower premiums than the Plus options but has a higher deductible and coinsurance amounts. This means you will pay more when you need health care. If you don’t visit the doctor often and use the plan mostly for preventive care, the Basic option may be right for you.
The Plus plan has higher premiums than the Basic plan, and the deductible and coinsurance amounts are lower. This means more of your expenses will be covered when you need care. If you think you will visit the doctor often and need more care, the Plus option may be right for you.
The Select plan has the lowest deductible and out-of-pocket maximum, but this option is only available to employees who make $35,000 or less in annual base salary in 2025.
Nexus→To find a Nexus provider click here
The Basic plan offers lower premiums each month but has higher deductible and co–insurance amounts. This means you will pay more when you need health care. If you don’t visit the doctor often and use the plan mostly for preventive care, the Basic option may be right for you.
The Plus plan has higher premiums than the Basic plan, but the deductible and coinsurance amounts are lower. This means more of your expenses will be covered when you need care. If you think you will visit the doctor often and need more care, the Plus option may be right for you.Choice →To find a Choice provider click here
The Choice plan has higher premiums than the Choice HDHP plan, and the deductible and coinsurance amounts are lower. This means more of your expenses will be covered when you need care. If you think you will visit the doctor often and need more care, the Choice option may be right for you.
Choice HDHP →To find a Choice HDHP provider click here
The Basic plan offers lower premiums than the Choice option but has the highest deductible and coinsurance amounts. This means you will pay more when you need health care. If you do not visit the doctor often and use the plan mostly for preventive care, the HDHP option may be right for you. Note: Employees and family members enrolled in this option will not have access to any of the Next Level HISD Onsite Clinics or Urgent Care locations.
