The Renfrew Center offers three IBX medical options. Use this snapshot alongside the Medical and Prescription Drugs page and 2026 Rates.
Plan Options at a Glance
HRA Plan — Lowest paycheck contributions. Renfrew helps with deductible expenses through an HRA. In-network deductible $3,000 individual / $6,000 family; plan pays 90% after deductible in-network.
HDHP (HSA) — Higher deductible that applies to medical and Rx. Renfrew contributes to an HSA ($500 / $1,000 full-time; $250 / $500 part-time). In-network deductible $4,000 / $8,000; plan pays 80% after deductible.
PPO Plan — Lowest upfront deductible ($1,000 / $2,000 in-network) and copays, highest paycheck contribution. Plan pays 80% after deductible for many services.
Similarities
- Administered by Independence Blue Cross (IBX)
- No referral required; no need to select a PCP
- Higher benefits when using the Blues (BlueCard) network
- In-network preventive care covered at 100%
- Out-of-pocket maximums for catastrophic protection
Key Differences
| Feature | HRA | HDHP (HSA) | PPO |
|---|---|---|---|
| In-network deductible (Ind / Fam) | $3,000 / $6,000 | $4,000 / $8,000 | $1,000 / $2,000 |
| In-network coinsurance | 90% | 80% | 80% |
| In-network OOP max (Ind / Fam) | $8,500 / $17,000 | $7,500 / $15,000 | $7,900 / $15,800 |
| PCP office visit (IN) | $35 copay | $40 after deductible | $35 copay |
| Specialist (IN) | $75 copay | $70 after deductible | $75 copay |
| Employer account help | HRA | HSA contribution | — |
Full SBCs are under each plan’s Plan Documents tab.