For additional information, view The 2024 Benefits Guide.

1. Kelsey ACO PCP and specialist copays do not count toward the annual deductible but do apply toward the annual out-of-pocket maximum.
2. Free if you are enrolled in an HISD medical plan
3. Pre-certification may be required
4. OBGYN specialists are tiered
5. Copay applies after the pharmacy deductible
6. Preventive services are not subject to the deductible
7. The copays in the Kelsey plans are not subject to deductible
8. If a footnote is not shown on this chart, it does not apply to this plan option.

View larger 2024 Medical Plan Comparison Chart

Cuadro comparativo de planes médicos 2024 en Español

2024 MEDICAL PLANS

KELSEY ACO →

KelseyCare is an ACO that provides a team approach to health care. This team of doctors helps to coordinate services, provides quality care, and shares information so they can easily identify gaps in care and address them quickly. You may see a specialist in the Kelsey ACO at any time as referrals are not necessary.

To find a Kelsey provider click here

There are three Kelsey-Seybold ACO 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 $29,000 or less in annual base salary in 2022 and $31,000 in 2023. 

Download The Kelsey-Seybold's Guide to Clinics and Providers

MEMORIAL HERMANN →

Memorial Hermann’s ACO is also a network of doctors and medical providers that share information across the Memorial Hermann system to provide care to covered members and their covered family members. This means everyone you see in the Memorial Hermann system is familiar with your treatment, needs, and goals, as well as your medical history. You may see a specialist in the Memorial Hermann ACO at any time as referrals are not necessary. 

To find a Memorial Hermann provider click here

There are two Memorial Hermann plan options

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.

TEXAS MEDICAL NEIGHBORHOOD →

These are some of Aetna’s broad networks that provide more flexibility to members. You will need to elect a Primary Care Physician (PCP) or one in your zip code will be selected for you. You may see a specialist in the Texas Medical Neighborhood plans without a referral but selecting a PCP will allow a medical professional to coordinator your care.

To find a Texas Medical Neighborhood provider click here

The Basic plan offers lower premiums than the Plus option but has higher 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 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.

KELSEY SELECT ACCOUNTABLE CARE ORGANIZATION (ACO) →

This plan is the same as the Kelsey Accountable Care Organization (ACO) described above, but it is designed for employees who earn $31,000 or less in annual base salary in 2023 and $35,000 in 2024.