Citrus Premier PPO
Based on what you told us, the PPO appears to offer the balance of predictability and lower cost-sharing your household is looking for.
Covering: Employee + Spouse. This is decision support — you can compare the alternative below at any time.
Why this fits
Predictable care
You told us predictable healthcare costs are very important. The PPO provides fixed copays for PCP, specialist, and urgent care visits.
Cash flow
You indicated that a $1,000–$2,000 medical bill would be difficult to manage. The PPO's lower deductible and copay structure may make expenses easier to budget.
Your healthcare usage
You told us your household uses healthcare regularly. Copays that skip the deductible apply from the first visit under the PPO.
Why you might choose the other plan
Lower paycheck deductions, employer-funded HSA, more variable costs when you use care.
- Significantly lower payroll premiums
- LemonCorp contributes to your HSA
- HSA contributions, growth, and eligible withdrawals are tax advantaged
- Unused HSA funds roll over year to year and stay yours
Compare both plans
Side-by-side cost snapshot
Shown for Employee + Spouse coverage, in-network.
Illustrative high-cost year combines annual payroll premiums with the plan's in-network out-of-pocket maximum. For the HDHP, we've also subtracted LemonCorp's HSA contribution. Your actual costs will depend on the healthcare services you receive.
Other benefits worth a look
Healthcare FSA
The Healthcare FSA is available to PPO participants (or employees waiving medical) and lets you pay qualified expenses with pre-tax dollars.
- Pre-tax dollars for qualified medical, dental, and vision expenses
- Up to $680 may roll over to the next plan year
- Remaining funds beyond the rollover may otherwise be forfeited
- 2026 annual limit: $3,400
We don't suggest a contribution amount because your actual expenses are unknown, and unused funds beyond the rollover may be forfeited.
Already included at no cost
Basic Life and AD&D
1.5× basic annual earnings, maximum $350,000
Short-Term Disability
60% of earnings, maximum $1,500/week, up to 12 weeks
Long-Term Disability
60% of earnings, maximum $6,000/month
100% employer-paid. No election or premium required.
About this recommendation
This tool provides educational guidance based on the information you provide and LemonCorp's 2026 benefit summaries. It is not a guarantee of healthcare costs, coverage, tax treatment, or financial outcomes. Actual benefits are governed by the official plan documents. Review those documents and the enrollment materials before making your final elections.
Plans referenced: Citrus HDHP with HSA and Citrus Premier PPO, both on the Citrus Choice Open Access network.