You are encouraged to read the information regarding the medical plans carefully prior to enrolling to be sure you are choosing the best coverage for you and your family.
When comparing Duke's medical plans, it is important to compare the cost of out-of-pocket expenses as well as premiums. Here are some questions to ask yourself in choosing a medical plan that matches the needs of you and your family. For specific coverage information, please refer to the Medical Plans Comparison Chart.
|Duke Select (HMO)||Duke Basic (HMO)||Blue Care (Blue Cross Blue Shield HMO)||Duke Options
(Blue Cross Blue Shield PPO)
|Can I select any doctor I wish?||No||No||No||No||Yes|
|Must I choose from doctors in a network?||Yes||Yes||Yes||Yes||No|
|Will my dependent children who live in a different location be covered?||Emergency care only. No follow-up care.||Emergency care only. No follow-up care.||Yes, if within NC and in-network - otherwise, emergency care only||Yes, worldwide listing of doctors||Yes|
|Since I travel a lot, can I see doctors in other locations around the world?||Emergency care only. No follow-up care.||Emergency care only. No follow-up care.||Emergency care only. No follow-up care.||Yes, worldwide listing of doctors||Yes|
|Can I participate in the DukeWell care management program and get assistance with the cost of medications?||Yes, if you have certain medical conditions||Yes, if you have certain medical conditions||No||No||No|
|Am I permitted to use out-of-network providers?||No, emergency care only||No, emergency care only||No, emergency care only||Yes, under out-of-network benefits||Yes|
|Must I meet an annual deductible?||No||Yes, for some services||No||Yes, for some services||Yes|
|Will my child's pregnancy be covered?||No||No||Yes||No||No|
|Do all plans cover the same services?||Services include: Bariatric and Infertility||No special services covered||Services include: Bariatric, and dependent pregnancy||Services include: ABA Therapy, Bariatric, Infertility, International health services, and Transgender surgery||Services include: ABA Therapy, International health services, and Transgender surgery|