JTS offers five medical plans through Blue Shield of California — three HMOs and two PPOs — so you can pick the balance of monthly cost and out-of-pocket risk that fits your household. Coverage runs from October 1, 2026 through September 30, 2027.
Choosing the right plan
The HMO plans (Access+ and the two Trio options) ask you to pick a primary care doctor from a smaller network and get referrals for specialists, but trade that structure for lower or no deductibles. The PPO plans let you see any provider, including out-of-network, at the cost of a higher deductible and a coinsurance split.
- Access+ HMO Per Day 30-500 — no deductible, $30 primary care copay, the broadest network of the three HMOs.
- Trio HMO 15-10%/1500 — $1,500 individual deductible, $15 primary care copay, 10% coinsurance on hospital stays after the deductible.
- Trio HMO 40-40%/2000 — $2,000 individual deductible, $40 primary care copay, 40% coinsurance on hospital stays.
- Full PPO 25-2500 80/50 — $2,500 individual deductible, 20% coinsurance in-network, 50% out-of-network.
- Full PPO 40-4000 80/50 — $4,000 individual deductible, same 20%/50% split, with a higher deductible in exchange for a lower payroll deduction.
Access+ HMO Per Day 30-500
Network: Access+ HMO Full Network. No annual deductible. Out-of-pocket maximum is $4,000 per person and $8,000 per family. Primary care visits are $30, specialist visits are $30 (or $45 for an Access+ specialist you see without a referral), and preventive care has no copay. Inpatient hospitalization is $500 per day up to $1,500, and outpatient surgery is a flat $500.
Trio HMO Facility Deductible 15-10%/1500
Network: Trio ACO HMO Narrow Network. Deductible is $1,500 per person, $3,000 per family. Out-of-pocket maximum is $2,500 individual / $5,000 family. Primary care and specialist visits are $15 each, and hospital stays run 10% coinsurance after the deductible.
Trio HMO Facility Deductible 40-40%/2000
Network: Trio ACO HMO Narrow Network. Deductible is $2,000 per person, $4,000 per family. Out-of-pocket maximum is $5,500 individual / $11,000 family. Primary care and specialist visits are $40 each, and hospital stays run 40% coinsurance after the deductible.
Full PPO Combined Deductible Value 25-2500 80/50
Network: Full PPO Network — you can go outside the network, but you’ll pay more. In-network deductible is $2,500 individual / $5,000 family. In-network primary care is $25, specialist visits are $30, and coinsurance is 20% in-network versus 50% out-of-network. Out-of-network care also carries a separate, higher out-of-pocket maximum.
Full PPO Combined Deductible Value 40-4000 80/50
Network: Full PPO Network. In-network deductible is $4,000 individual / $8,000 family. In-network primary care is $40, specialist visits are $45, with the same 20%/50% in-network/out-of-network coinsurance split as the 25-2500 plan — the tradeoff here is a lower paycheck deduction for a higher deductible.
Chiropractic care
All three HMO plans include a chiropractic rider through American Specialty Health (ASH): $10 per office visit, up to 30 visits per year, through an ASH participating provider.
Prescription drugs
All five medical plans share the same pharmacy benefit: no pharmacy deductible, and retail copays of $10 for Tier 1 (generic), $20 for Tier 2, and $35 for Tier 3 drugs on a 30-day supply. Mail order gives you a 90-day supply for roughly double the 30-day copay.
Virtual care
Teladoc Health virtual visits are included at no cost across the HMO plans, for both medical consultations and mental health support.
Monthly contributions
Your monthly payroll deduction for medical depends on your years of service and whether you’re paid hourly or salaried. Excess employer contribution applies toward dependent coverage cost for medical only.
0-3 Years of Service
| Plan | Employee Only | Employee + Spouse | Employee + Child(ren) | Employee + Family | ||||
|---|---|---|---|---|---|---|---|---|
| Hourly | Salary | Hourly | Salary | Hourly | Salary | Hourly | Salary | |
| Trio HMO Facility Ded 40-40%/2000 | $231.68 | $101.68 | $888.15 | $758.15 | $728.17 | $598.17 | $1,357.02 | $1,227.02 |
| Trio HMO Facility Ded 15-10%/1500 | $303.20 | $173.20 | $1,044.80 | $914.80 | $862.82 | $732.82 | $1,574.59 | $1,444.59 |
| Access+ HMO Per Day 30-500 | $459.19 | $329.19 | $1,386.46 | $1,256.46 | $1,160.48 | $1,030.48 | $2,048.76 | $1,918.76 |
| Full PPO Combined Deductible Value 40-4000 80/50 | $1,104.82 | $974.82 | $2,800.35 | $2,670.35 | $2,387.15 | $2,257.15 | $4,011.43 | $3,881.43 |
| Full PPO Combined Deductible Value 25-2500 80/50 | $1,166.01 | $1,036.01 | $2,934.36 | $2,804.36 | $2,503.42 | $2,373.42 | $4,197.47 | $4,067.47 |
3-5 Years of Service
| Plan | Employee Only | Employee + Spouse | Employee + Child(ren) | Employee + Family | ||||
|---|---|---|---|---|---|---|---|---|
| Hourly | Salary | Hourly | Salary | Hourly | Salary | Hourly | Salary | |
| Trio HMO Facility Ded 40-40%/2000 | $91.68 | $0.00 | $748.15 | $548.15 | $588.17 | $388.17 | $1,217.02 | $1,017.02 |
| Trio HMO Facility Ded 15-10%/1500 | $163.20 | $0.00 | $904.80 | $704.80 | $722.82 | $522.82 | $1,434.59 | $1,234.59 |
| Access+ HMO Per Day 30-500 | $319.19 | $119.19 | $1,246.46 | $1,046.46 | $1,020.48 | $820.48 | $1,908.76 | $1,708.76 |
| Full PPO Combined Deductible Value 40-4000 80/50 | $964.82 | $764.82 | $2,660.35 | $2,460.35 | $2,247.15 | $2,047.15 | $3,871.43 | $3,671.43 |
| Full PPO Combined Deductible Value 25-2500 80/50 | $1,026.01 | $826.01 | $2,794.36 | $2,594.36 | $2,363.42 | $2,163.42 | $4,057.47 | $3,857.47 |
5+ Years of Service
| Plan | Employee Only | Employee + Spouse | Employee + Child(ren) | Employee + Family | ||||
|---|---|---|---|---|---|---|---|---|
| Hourly | Salary | Hourly | Salary | Hourly | Salary | Hourly | Salary | |
| Trio HMO Facility Ded 40-40%/2000 | $0.00 | $0.00 | $608.15 | $338.15 | $448.17 | $178.17 | $1,077.02 | $807.02 |
| Trio HMO Facility Ded 15-10%/1500 | $23.20 | $0.00 | $764.80 | $494.80 | $582.82 | $312.82 | $1,294.59 | $1,024.59 |
| Access+ HMO Per Day 30-500 | $179.19 | $0.00 | $1,106.46 | $836.46 | $880.48 | $610.48 | $1,768.76 | $1,498.76 |
| Full PPO Combined Deductible Value 40-4000 80/50 | $824.82 | $554.82 | $2,520.35 | $2,250.35 | $2,107.15 | $1,837.15 | $3,731.43 | $3,461.43 |
| Full PPO Combined Deductible Value 25-2500 80/50 | $886.01 | $616.01 | $2,654.36 | $2,384.36 | $2,223.42 | $1,953.42 | $3,917.47 | $3,647.47 |
