ARRAY offers active, regular full-time employees choice of comprehensive medical insurance through CareFirst Administrators
Medical Plan Choices
By offering a choice of three plans, there’s sure to be a plan that works for you! Below is a brief description of the three plans:
HSA: is considered a High Deductible Health Plan (HDHP), and has lower monthly premiums with a higher annual deductible. With this plan you have the option of seeing In Network or Out of Network providers without obtaining referrals for covered services. This plan utilizes the CareFirst BluePreferred Nationwide network and is available to employees inside and outside the DC Metro Area.
PPO: allows you to control health care costs and gives you access to a larger network of providers to choose from without the hassle of referrals. This plan utilizes the CareFirst BluePreferred Nationwide network which is available to employees living inside and outside of the DC Metro Area.
EPO: offers great cost savings and a large network to utilize when choosing your Primary Care Physician. The EPO plan requires that you select a Primary Care Physician but does not require that you obtain referrals. This plan utilizes the BlueChoice network when inside the CareFirst territory in MD/DC and Northern Virginia and the BCBS Nationwide BlueCard PPO Network in all other areas.
Our dental benefits are provided by The Guardian Dental Plan and provides four main types of services:
- Preventive care (routine exams and cleanings, fluoride treatments, sealants, X-rays)
- Basic treatment (simple extractions, fillings & root canals)
- Major treatment (bridges, crowns, dentures, molar root canals, complex extractions & scaling & root planning)
- Orthodontia (for children)
Our vision plan is through a national network of Vision Service Plan (VSP) preferred providers you have many choices. You may see a VSP network doctor or go out of network.
TRICARE Supplement Plan
Military retirees and their dependents may be eligible through TRICARE and DEERS to enroll in a TRICARE Supplement Plan option offered by the American Military Retirees Association (AMRA) and administered by the Association & Society Insurance Corporation (ASI). This supplement coverage ‘wrap around’ TRICARE benefits to cover out-of-pocket expenses inherent in all health care plans.