Medical

With the Enhanced PPO Plan, you can see both in-network and out-of-network doctors without a referral, but keep in mind staying in-network for care will almost always be less expensive.

• Highest premiums
• Lowest deductible
• Copays for doctor visits, urgent care and generic drugs
• Telemedicine doctor visit through Teladoc has a $0 copay

View an overview of the Enhanced PPO Plan.

With the Value PPO Plan, you can see both in-network and out-of-network doctors without a referral, but keep in mind staying in-network for care will almost always be less expensive.

• Lowest premiums
• Highest deductible
• Copays for doctor visits, urgent care and generic drugs
• Telemedicine doctor visit through Teladoc has a $0 copay

View an overview of the Value PPO Plan.

With the HSA Plan, you can see both in-network and out-of-network doctors without a referral, but keep in mind staying in-network for care will almost always be less expensive. To help with your share of costs, this plan comes with a health savings account (HSA). You can use the money in an HSA to help pay eligible health care expenses, including deductibles, copays, and coinsurance. Key features of the HSA plan include the following:

• Premiums are in-between Enhanced and Value PPO plans
• High deductible
• You must meet the deductible before the plan begins to pay for services other than preventive care. After you’ve met the deductible, you’ll pay 20% for most in-network covered services
• Telemedicine doctor visits through Teladoc have a $45 copay before the deductible is met and a $0 copay after the deductible is met
• Behavioral health visits through Teladoc have a copay from $70 to $180 before the deductible is met and a $0 copay after the deductible is met
• Petco will make quarterly contributions into your HSA up to $250 per plan year for employee-only coverage and up to $500 per year for employee + dependent(s)

View an overview of the HSA Plan.

You can select this plan if you live in a Kaiser Permanente service area in CA, CO, DC, GA, MD, OR, VA, or WA. This plan exclusively covers you when you use Kaiser Permanente doctors and facilities. Except in the case of an emergency, you’ll pay the full price for care you receive from a non-Kaiser doctor or facility.

View an overview of the Enhanced HMO Plan (Kaiser Permanente).

You can select this plan if you live in a Kaiser Permanente service area in CA, CO, DC, GA, MD, OR, VA, or WA. This plan exclusively covers you when you use Kaiser Permanente doctors and facilities. Except in the case of an emergency, you’ll pay the full price for care you receive from a non-Kaiser doctor or facility.

View an overview of the Value HMO Plan (Kaiser Permanente).

You can select this plan if you live in a Kaiser Permanente service area in CA, CO, DC, GA, MD, OR, VA, or WA. This plan exclusively covers you when you use Kaiser Permanente doctors and facilities. Except in the case of an emergency, you’ll pay the full price for care you receive from a non-Kaiser doctor or facility. To help with your share of costs, this plan comes with a health savings account (HSA). You can use the money in an HSA to help pay eligible health care expenses, including deductibles, copays, and coinsurance.

• Petco will make quarterly contributions into your HSA up to $250 per plan year for employee-only coverage and up to $500 per year for employee + dependent(s)

View an overview of the HSA Plan (Kaiser Permanente).

With the HMSA CompMed PPO Plan, you can see both in-network and out-of-network doctors without a referral, but keep in mind staying in-network for care will almost always be less expensive.

Save money by using HMSA in-network providers

PPO network providers are doctors, hospitals, pharmacies, labs, etc. that participate in the HMSA network and have agreed to provide services at pre-negotiated reduced rates. When you use a PPO network provider the plan pays a higher percentage of the covered charge, claims are filed for you by your provider and you save yourself and Petco money

View an overview of the HMSA CompMed PPO.

You can select this plan if you live in a Kaiser Permanente service area in Hawaii. This plan exclusively covers you when you use Kaiser Permanente doctors and facilities. Except in the case of an emergency, you’ll pay the full price for care you receive from a non-Kaiser doctor or facility.

View an overview of the Kaiser KP Platinum HMO Plan.