2021 Medical Plans – Pearson Benefits

There are no plan design changes to the medical plans offered for 2021. As a reminder, there are four national plans, all administered by Anthem, Cigna and Aetna.*

Here is an overview of the plan choices. Click here to view plan summaries for each.

National Plans

Plans	Description
$400 Deductible Plan $900 Deductible Plan	These are traditional PPO plans that contain copays for doctor’s visits and have lower out-of-pocket costs. You are not required to choose a primary care physician (although it is recommended) or to get a referral in order to see a specialist. You can receive care through a network of physicians at a significantly lower cost to you, or you can select providers outside the network and pay a greater share of your medical expenses.
$1,850 Deductible Plan** $2,850 Deductible Plan	These are consumer-directed plans that put you in charge of your spending through lower per-paycheck contributions, higher deductibles, and a tax-free Health Savings Account (HSA). Pearson will make a contribution in 2021 of up to $500 if you cover yourself only and up to $1,000 if you cover yourself and dependents. And, like the $400 and $900 Deductible Plans, you can see providers within or outside of the network.

Plans

Description

$400 Deductible Plan

$900 Deductible Plan

These are traditional PPO plans that contain copays for doctor’s visits and have lower out-of-pocket costs. You are not required to choose a primary care physician (although it is recommended) or to get a referral in order to see a specialist. You can receive care through a network of physicians at a significantly lower cost to you, or you can select providers outside the network and pay a greater share of your medical expenses.

$1,850 Deductible Plan**

$2,850 Deductible Plan

These are consumer-directed plans that put you in charge of your spending through lower per-paycheck contributions, higher deductibles, and a tax-free Health Savings Account (HSA). Pearson will make a contribution in 2021 of up to $500 if you cover yourself only and up to $1,000 if you cover yourself and dependents. And, like the $400 and $900 Deductible Plans, you can see providers within or outside of the network.

*Aetna provides a narrower network than Anthem and Cigna, but comes with lower per-paycheck contributions and out-of-pocket costs. It is only available in certain states.

** A Note About the $1,850 Deductible Plan If you enroll in the $1,850 Deductible Plan and cover dependents, the full family deductible must be met before the Plan pays benefits for any family member. Any covered family member can contribute to the family deductible. Please call Mercer Marketplace at 855-237-6421 to better understand this option.

2021 Per-Paycheck Costs

Administrator	Coverage	Change in Per-Paycheck Costs
Aetna, Anthem, Cigna	Medical	+1.1%
Kaiser	Medical	+4.7%
Delta Dental	Dental	+1.1%
Cigna DHMO	Dental	No Change
VSP	Vision	+1.9%

There are no plan design changes to the medical, dental and vision plans for 2021.