The Renfrew Center offers three medical plan options administered by Independence Blue Cross (IBX). You may enroll in the plan that best meets your needs or waive medical benefits. All three plans allow you to visit any in-network health care professional (including specialists) without a referral and without designating a primary physician. Maximize coverage by using Blues network providers. Learn more and find providers at www.ibx.com.

Bi-weekly contribution rates are listed on the 2026 Rates page.

  • Overview

    Lowest paycheck contributions. Renfrew helps fund deductible expenses through a Health Reimbursement Account (HRA) once claims are incurred. In-network and out-of-network coverage.

    Carrier:

    Independence Blue Cross (IBX)

  • Annual Deductible

    In-network:

    Individual $3,000 / Family $6,000

    Out-of-network:

    Individual $5,000 / Family $10,000

  • Coinsurance

    In-network:

    Plan pays 90% after deductible

    Out-of-network:

    Plan pays 50% after deductible

  • Out-of-Pocket Maximum

    In-network:

    Individual $8,500 / Family $17,000

    Out-of-network:

    Individual $10,000 / Family $20,000

  • Preventive Care

    In-network:

    100% covered

    Out-of-network:

    50% covered after deductible

  • Office Visits

    Primary Care (in-network):

    $35 copay

    Specialist (in-network):

    $75 copay

Provider: Independence Blue Cross (IBX)

Website: www.ibx.com

Phone: 1-800-ASK-BLUE (1-800-275-2583)

Compare plans: Comparing the Plans

Rates: 2026 Rates

HRA Plan HDHP (HSA) PPO Plan

Overview

Carrier:

Independence Blue Cross (IBX)

Overview

Carrier:

Independence Blue Cross (IBX)

HSA contribution (full-time):

$500 individual / $1,000 family

HSA contribution (part-time):

$250 individual / $500 family

Overview

Carrier:

Independence Blue Cross (IBX)

Annual Deductible

In-network:

Individual $3,000 / Family $6,000

Out-of-network:

Individual $5,000 / Family $10,000

Annual Deductible

In-network:

Individual $4,000 / Family $8,000

Out-of-network:

Individual $5,000 / Family $10,000

Annual Deductible

In-network:

Individual $1,000 / Family $2,000

Out-of-network:

Individual $5,000 / Family $10,000

Coinsurance

In-network:

Plan pays 90% after deductible

Out-of-network:

Plan pays 50% after deductible

Coinsurance

In-network:

Plan pays 80% after deductible

Out-of-network:

Plan pays 50% after deductible

Coinsurance

In-network:

Plan pays 80% after deductible

Out-of-network:

Plan pays 50% after deductible

Out-of-Pocket Maximum

In-network:

Individual $8,500 / Family $17,000

Out-of-network:

Individual $10,000 / Family $20,000

Out-of-Pocket Maximum

In-network:

Individual $7,500 / Family $15,000

Out-of-network:

Individual $10,000 / Family $20,000

Out-of-Pocket Maximum

In-network:

Individual $7,900 / Family $15,800

Out-of-network:

Individual $10,000 / Family $20,000

Preventive Care

In-network:

100% covered

Out-of-network:

50% covered after deductible

Preventive Care

N/A

Preventive Care

N/A

Office Visits

Primary Care (in-network):

$35 copay

Specialist (in-network):

$75 copay

Office Visits

N/A

Office Visits

Primary Care (in-network):

$35 copay

Specialist (in-network):

$75 copay

Office Visits (after deductible)

N/A

Office Visits (after deductible)

Primary Care (in-network):

$40 copay after deductible

Specialist (in-network):

$70 copay after deductible

Office Visits (after deductible)

N/A

  • Overview

    High deductible health plan. Deductible applies to medical services and prescription drugs. Renfrew contributes to a Health Savings Account (HSA) for eligible employees. Preventive care covered at no cost in-network.

    Carrier:

    Independence Blue Cross (IBX)

    HSA contribution (full-time):

    $500 individual / $1,000 family

    HSA contribution (part-time):

    $250 individual / $500 family

  • Annual Deductible

    In-network:

    Individual $4,000 / Family $8,000

    Out-of-network:

    Individual $5,000 / Family $10,000

  • Coinsurance

    In-network:

    Plan pays 80% after deductible

    Out-of-network:

    Plan pays 50% after deductible

  • Out-of-Pocket Maximum

    In-network:

    Individual $7,500 / Family $15,000

    Out-of-network:

    Individual $10,000 / Family $20,000

  • Office Visits (after deductible)

    Primary Care (in-network):

    $40 copay after deductible

    Specialist (in-network):

    $70 copay after deductible

Provider: Independence Blue Cross (IBX)

Website: www.ibx.com

Phone: 1-800-ASK-BLUE

HSA Administrator: Optum

Website: www.optumbank.com

Phone: 1-844-326-7967

Compare plans: Comparing the Plans

Rates: 2026 Rates

HDHP (HSA) HRA Plan PPO Plan

Overview

Carrier:

Independence Blue Cross (IBX)

HSA contribution (full-time):

$500 individual / $1,000 family

HSA contribution (part-time):

$250 individual / $500 family

Overview

Carrier:

Independence Blue Cross (IBX)

Overview

Carrier:

Independence Blue Cross (IBX)

Annual Deductible

In-network:

Individual $4,000 / Family $8,000

Out-of-network:

Individual $5,000 / Family $10,000

Annual Deductible

In-network:

Individual $3,000 / Family $6,000

Out-of-network:

Individual $5,000 / Family $10,000

Annual Deductible

In-network:

Individual $1,000 / Family $2,000

Out-of-network:

Individual $5,000 / Family $10,000

Coinsurance

In-network:

Plan pays 80% after deductible

Out-of-network:

Plan pays 50% after deductible

Coinsurance

In-network:

Plan pays 90% after deductible

Out-of-network:

Plan pays 50% after deductible

Coinsurance

In-network:

Plan pays 80% after deductible

Out-of-network:

Plan pays 50% after deductible

Out-of-Pocket Maximum

In-network:

Individual $7,500 / Family $15,000

Out-of-network:

Individual $10,000 / Family $20,000

Out-of-Pocket Maximum

In-network:

Individual $8,500 / Family $17,000

Out-of-network:

Individual $10,000 / Family $20,000

Out-of-Pocket Maximum

In-network:

Individual $7,900 / Family $15,800

Out-of-network:

Individual $10,000 / Family $20,000

Preventive Care

N/A

Preventive Care

In-network:

100% covered

Out-of-network:

50% covered after deductible

Preventive Care

N/A

Office Visits

N/A

Office Visits

Primary Care (in-network):

$35 copay

Specialist (in-network):

$75 copay

Office Visits

Primary Care (in-network):

$35 copay

Specialist (in-network):

$75 copay

Office Visits (after deductible)

Primary Care (in-network):

$40 copay after deductible

Specialist (in-network):

$70 copay after deductible

Office Visits (after deductible)

N/A

Office Visits (after deductible)

N/A

  • Overview

    Lowest upfront deductible and copays, with the highest paycheck contribution. Some services are copay-only (deductible does not apply). In-network and out-of-network coverage.

    Carrier:

    Independence Blue Cross (IBX)

  • Annual Deductible

    In-network:

    Individual $1,000 / Family $2,000

    Out-of-network:

    Individual $5,000 / Family $10,000

  • Coinsurance

    In-network:

    Plan pays 80% after deductible

    Out-of-network:

    Plan pays 50% after deductible

  • Out-of-Pocket Maximum

    In-network:

    Individual $7,900 / Family $15,800

    Out-of-network:

    Individual $10,000 / Family $20,000

  • Office Visits

    Primary Care (in-network):

    $35 copay

    Specialist (in-network):

    $75 copay

Provider: Independence Blue Cross (IBX)

Website: www.ibx.com

Phone: 1-800-ASK-BLUE

Rates: 2026 Rates

PPO Plan HRA Plan HDHP (HSA)

Overview

Carrier:

Independence Blue Cross (IBX)

Overview

Carrier:

Independence Blue Cross (IBX)

Overview

Carrier:

Independence Blue Cross (IBX)

HSA contribution (full-time):

$500 individual / $1,000 family

HSA contribution (part-time):

$250 individual / $500 family

Annual Deductible

In-network:

Individual $1,000 / Family $2,000

Out-of-network:

Individual $5,000 / Family $10,000

Annual Deductible

In-network:

Individual $3,000 / Family $6,000

Out-of-network:

Individual $5,000 / Family $10,000

Annual Deductible

In-network:

Individual $4,000 / Family $8,000

Out-of-network:

Individual $5,000 / Family $10,000

Coinsurance

In-network:

Plan pays 80% after deductible

Out-of-network:

Plan pays 50% after deductible

Coinsurance

In-network:

Plan pays 90% after deductible

Out-of-network:

Plan pays 50% after deductible

Coinsurance

In-network:

Plan pays 80% after deductible

Out-of-network:

Plan pays 50% after deductible

Out-of-Pocket Maximum

In-network:

Individual $7,900 / Family $15,800

Out-of-network:

Individual $10,000 / Family $20,000

Out-of-Pocket Maximum

In-network:

Individual $8,500 / Family $17,000

Out-of-network:

Individual $10,000 / Family $20,000

Out-of-Pocket Maximum

In-network:

Individual $7,500 / Family $15,000

Out-of-network:

Individual $10,000 / Family $20,000

Preventive Care

N/A

Preventive Care

In-network:

100% covered

Out-of-network:

50% covered after deductible

Preventive Care

N/A

Office Visits

Primary Care (in-network):

$35 copay

Specialist (in-network):

$75 copay

Office Visits

Primary Care (in-network):

$35 copay

Specialist (in-network):

$75 copay

Office Visits

N/A

Office Visits (after deductible)

N/A

Office Visits (after deductible)

N/A

Office Visits (after deductible)

Primary Care (in-network):

$40 copay after deductible

Specialist (in-network):

$70 copay after deductible