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Medical Plans

Choosing and personalizing your benefits depends on your specific health care needs, doctor preferences, budget, lifestyle and if you live in the plan's service area.

We offer you and your dependents a range of medical plan options. To learn more:

  1. Use our comparison tool to compare medical plans and costs.
  2. View the contribution rate chart for: Full-time and Part-time Employees and Non-Medicare Retirees
  3. Browse the five medical plan summaries below or watch the Medical Plans Comparison video.
  4. When you get medical care you should receive an Explanation of Benefits (EOB) that details the services and costs. Review the EOB regularly to ensure you are being charged appropriately. If you have questions or find an error, contact your health plan to have it resolved.

Waiving Medical Coverage

If you are a full-time employee, have medical coverage elsewhere and do not want Stanford coverage, you must actively waive coverage by logging into My Benefits. If you waive your medical coverage, you will receive a $25 credit (if you work in a full-time, benefits-eligible position) or a $12.50 credit (if you work in a part-time, benefits-eligible position) provided as taxable income in each paycheck. If you do not make a waiver election you will be defaulted into the Healthcare + Savings medical plan with employee only coverage that includes a deduction from your paycheck.

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Kaiser Permanente Health Maintenance Organization (HMO)

The Kaiser Permanente HMO plan provides patient services, hospitalization, supplies and prescription drugs through its own network of doctors, hospitals and other Kaiser-affiliated health care facilities. The Kaiser HMO is available in California only and you must reside in the plan's service area to enroll.

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Stanford Health Care Alliance (SHCA)

The SHCA plan is a select network health plan in which Stanford Health Care physicians and affiliated providers in multiple specialties take responsibility for working together to carefully coordinate and deliver your care. This is a regional health plan and you must reside in the plan's service area to enroll.

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Exclusive Provider Organization (EPO)

The EPO plan is a comprehensive medical plan that covers only in-network providers and facilities. You pay a co-payment at the point of service and the university covers the remaining costs.  This plan provides access to the Palo Alto Medical Foundation (PAMF).

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Healthcare + Savings Plan

The Healthcare + Savings Plan works the same as a PPO plan with in-network and non-network coverage, but there are no fixed copays with this plan.  This plan provides access to the Palo Alto Medical Foundation (PAMF).

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ACA Basic High-Deductible Health Plan

The ACA Basic High-Deductible Health Plan works the same as the Healthcare + Savings plan, but has higher out-of-pocket costs.  This plan provides access to the Palo Alto Medical Foundation (PAMF).

Cigna Short-Term Assignment International Plan

If you are a benefits-eligible faculty or staff on U.S. payroll and plan to work abroad for 180 days or less, Stanford can provide you medical and dental services through Cigna.