Great Plains Bank
2026 Medical Plan Comparison
Your estimated comparison
Start with the lowest estimated annual total
Totals combine 26 payroll deductions with estimated medical and prescription spending.
Current tier
Employee Only
Plan 1
Traditional PPO
Estimated annual total
$2,369
Bi-weekly$91.10
Annual premium$2,369
Estimated care$0
Blue Advantage
Plan 2
HSA Plan
Estimated annual total
$1,297
Bi-weekly$49.88
Annual premium$1,297
Estimated care$0
Blue Advantage
Plan 3
HSA Plan
Estimated annual total
$189
Bi-weekly$7.28
Annual premium$189
Estimated care$0
Blue Advantage
Plan 4
HSA Plan
Estimated annual total
$1,620
Bi-weekly$62.30
Annual premium$1,620
Estimated care$0
Blue Options
Plan 5
HSA Plan
Estimated annual total
$239
Bi-weekly$9.21
Annual premium$239
Estimated care$0
Blue Options
Estimated annual total
Premiums plus estimated out-of-pocket spending
Premium
Care & prescriptions
Compare two plans
Choose any two for a quick side-by-side view.
| Benefit | Plan 1 | Plan 4 |
|---|---|---|
| Estimated total | $2,369 | $1,620 |
| Bi-weekly deduction | $91.10 | $62.30 |
| Annual premium | $2,369 | $1,620 |
| Deductible | $1,700 | $1,700 |
| Out-of-pocket max | $5,100 | $4,250 |
| Network | Blue Advantage | Blue Options |
| Account | FSA | HSA |
| Primary care | $25 copay | Deductible & coinsurance |
| Prescriptions | Copays | Deductible then copays |
| Benefit | Plan 1 | Plan 2 | Plan 3 | Plan 4 | Plan 5 |
|---|---|---|---|---|---|
| Individual deductible | $1,700 | $1,700 | $3,400 | $1,700 | $3,400 |
| Family deductible | $3,400 | $3,400 | $6,800 | $3,400 | $6,800 |
| Individual out-of-pocket max | $5,100 | $4,250 | $8,550 | $4,250 | $8,550 |
| Family out-of-pocket max | $10,200 | $8,500 | $17,000 | $8,500 | $17,000 |
| Coinsurance | You pay 20% | You pay 20% | You pay 20% | You pay 20% | You pay 20% |
| PPO network | Blue Advantage | Blue Advantage | Blue Advantage | Blue Options | Blue Options |
| Compatible account | FSA | HSA | HSA | HSA | HSA |
| Preventive care | Covered in full | Covered in full | Covered in full | Covered in full | Covered in full |
| Primary care | $25 copay | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance |
| Mental health | $25 copay | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance |
| PT/OT/Speech | $25 copay | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance |
| Chiropractic | $25 copay | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance |
| Specialist | $50 copay | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance |
| Urgent care | $75 copay | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance |
| Emergency room | $250 copay + deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance |
| Lab & X-ray | Covered in full if during office visit | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance |
| Advanced imaging | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance |
| Outpatient services | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance |
| Inpatient hospital | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance | Deductible & coinsurance |
| Generic, per 30-day fill | $15 copay | Deductible, then $15 | Deductible, then $15 | Deductible, then $15 | Deductible, then $15 |
| Preferred brand | $45 copay | Deductible, then $45 | Deductible, then $45 | Deductible, then $45 | Deductible, then $45 |
| Non-preferred brand | $75 copay | Deductible, then $75 | Deductible, then $75 | Deductible, then $75 | Deductible, then $75 |
| Preferred specialty | $150 copay | Deductible, then $150 | Deductible, then $150 | Deductible, then $150 | Deductible, then $150 |
| Non-preferred specialty | $250 copay | Deductible, then $250 | Deductible, then $250 | Deductible, then $250 | Deductible, then $250 |
Plans 1, 3 and 5: Each family member has an individual out-of-pocket maximum. Other family members continue paying until their own limit or the family maximum is reached.
Plans 2 and 4: Family costs accumulate toward one family out-of-pocket maximum. The plan does not pay 100% for anyone until the entire family limit is met.
Estimates reset.