FAQs

You have four medical plan options to choose from:

• PPO
• HSA Plus
• HSA Basic
• Value Medical

Your JCPenney coverage is designed to provide protection if you need medical care. Each plan covers the same treatments, including 100% coverage for preventive care, and all plans include prescription drug coverage.

The main difference between the medical plans is how you pay for coverage:

• Premiums: What you pay from your paycheck.
• Out of Pocket: This includes deductibles, co-pays, co-insurance, and other costs you incur when you seek care.

The JCPenney medical plans give you the option of selecting a plan with higher premiums and lower out-of-pocket costs, or higher out-of-pocket costs and lower premiums. The plan you select should be based on the healthcare needs of you and your family.

Two of our plans—the HSA Basic and the HSA Plus—are high-deductible health plans that allow you to contribute to an HSA. Contributing to an HSA allows you to save pre-tax dollars for out-of-pocket healthcare expenses, and your balance is never forfeited. HSAs are a great way to build savings for both routine care you can plan for and unexpected future healthcare needs.

Below is a high-level comparison of the plans. Be sure to use the tools on the enrollment site to get a more detailed, side-by-side comparison of the plans.

JCPenney medical plans nationwide are administered by Aetna.

If you are your covered dependents are in the middle of a course of treatment or have received pre-authorization for treatment, you will be eligible for transition of care benefits with your current provider even it the provider is out-of-network.

Yes. Coverage for prescription drugs filled at in-network pharmacies is automatically included when you enroll in any of our medical plan options. If you choose to fill prescriptions at out-of-network pharmacies, you may have to pay the full cost for these medications. Refer to your Benefits Enrollment Guide for more information on coverage.

You do not have to make contributions to the HSA, but you could be missing out! If you enroll in the HSA Plus plan, an HSA will be opened on your behalf, and you will receive a JCPenney contribution to your HSA. The Company contributes $500 per year for You Only coverage, $750 for You +Spouse or Child(ren) or $1,000 for You + Family coverage.