Welcome to myBenefits, your one-stop shop for all things benefits

Medical

Comprehensive, affordable medical coverage for you and your family.

You’re eligible to enroll yourself and eligible dependents in medical coverage if you’re regularly scheduled to work at least:

  • All hospitals and member organizations except Johns Hopkins Care at Home: 20 hours per week.
  • Johns Hopkins Care at Home only: 30 hours per week.

You have multiple medical plan options through Johns Hopkins Employer Health Programs (EHP):

  • Johns Hopkins Exclusive Provider Organization (EPO) Plan
  • Johns Hopkins Preferred Provider Organization (PPO) Plan
  • Johns Hopkins Direct Primary Care (DPC) Plan — available only in D.C., Maryland and Virginia

If you’re a Suburban Hospital employee, you’re also eligible for the Kaiser HMO medical plan.

Looking for how much you’ll pay for medical coverage? View the 2026 employee contributions.

Understanding your medical plan options

Choosing the right plan

All our medical plans include prescription drug coverage and cover 100% of in-network preventive care, such as annual checkups, screenings, exams and vaccinations.

Here are some key highlights to consider when choosing a plan:

  • The Johns Hopkins EPO Plan offers only in-network coverage and has lower paycheck deductions.
  • The Johns Hopkins PPO Plan offers in- and out-of-network coverage and has higher paycheck deductions. Unlike the EPO plan, the amount of the deductible is based on your salary.
  • The Johns Hopkins DPC Plan is available only to employees who live or work in Maryland. This plan is similar to the PPO plan with a few added benefits, such as lower copays for primary and behavioral health care, a $240 pre-funded lifestyle account and no-cost primary care services at the practice’s location on the Johns Hopkins Howard County Medical Center campus. Learn more about Direct Primary Care .
  • The Kaiser HMO Plan is available only to Suburban Hospital employees. This plan offers only in-network coverage through Kaiser Permanente, and you must select a primary care physician (PCP) to coordinate care. The paycheck deductions are similar to the PPO and DPC plans.

Compare coverage details

View the medical comparison chart to compare in- and out-of-network coverage details for each plan.

What the plan pays when you receive care

This page reflects in-network coverage only. For more coverage details, view plan overviews on the EHP website or view the Summary Plan Description for each plan.

The deductible is the amount you pay before the plan starts to pay. The out-of-pocket maximum is the most you’ll pay for covered expenses each plan year. These reset annually on Jan. 1.

Contacts

Johns Hopkins Employer Health Programs (EHP)

Medical insurance
410-424-4450
ehp.org

Kaiser HMO
(Suburban Hospital only)

301-468-6000
healthy.kaiserpermanente.org

h

Resources

Cost for medical coverage

EHP plan overviews:
Additional resources:
Johns Hopkins EPO Johns Hopkins PPO Johns Hopkins DPC
(D.C., MD & VA only)		 Kaiser HMO
(Suburban only)
Deductible1
Individual coverage $500 < $50K salary: $150
$50K–$120K salary: $300
> $120K salary: $400		 < $50K salary: $150
$50K–$120K salary: $200
> $120K salary: $300		 $0
Family coverage $1,000 < $50K salary: $300
$50K–$120K salary: $600
> $120K salary: $800		 < $50K salary: $300
$50K–$120K salary: $400
> $120K salary: $600		 $0
Out-of-pocket maximum
Individual coverage $3,000 < $50K salary: $1,500
$50K–$120K salary: $2,500
> $120K salary: $3,500		 < $50K salary: $1,500
$50K–$120K salary: $2,000
> $120K salary: $3,000		 $1,300
Family coverage $6,000 < $50K salary: $3,000
$50K–$120K salary: $5,000
> $120K salary: $7,000		 < $50K salary: $3,000
$50K–$120K salary: $4,000
> $120K salary: $6,000		 $2,600

Once you meet the deductible, the plan shares the cost of care with you. You’ll pay either a percentage of the cost, called coinsurance, or a fixed-rate fee, called a copay.

Johns Hopkins EPO Johns Hopkins PPO Johns Hopkins DPC (Maryland only) Kaiser HMO
(Suburban only)
Coinsurance1 Preferred 2: You pay 10%
Cigna: You pay 20%		 Preferred 2: You pay 10%
Cigna: You pay 20%		 Preferred 2: You pay 10%
Cigna: You pay 20%		 None
Primary Care office Visit1 $20 copay $10 copay $0 copay for age 18+ with DPC provider; $10 copay for non-DPC provider $15 copay
Emergency Room $250 copay 3 $250 copay 3 $250 copay 3 $100 copay
Urgent Care $40 copay $25 copay $25 copay $25 copay

1 The deductible, coinsurance and copay does not apply to services from Johns Hopkins All Children’s Hospital physicians, providers or partner facilities for dependent children (excluding the emergency room). You’ll pay nothing out of pocket.

2 Preferred physicians and providers are those in the EHP Preferred Provider Network.

3 For select services such as hospitalization, coverage begins once you have met the deductible for the plan year.

Paying for health care expenses

Health Care Flexible Spending Account (FSA)

No matter which plan you choose, you can contribute pre-tax to a health care FSA to pay eligible health care expenses, like your deductible and copays.

Forma Lifestyle Account

If you enroll in the Johns Hopkins DPC plan, you’ll receive $240 pre-funded Forma Lifestyle Account to spend on certain health and wellness needs, such as gym memberships, fitness classes and meditation app subscriptions. You can purchase items directly through the Forma Store or submit receipts for reimbursement. Reimbursements will be included on your paycheck. All purchases and reimbursements with the Forma Lifestyle Account are taxable.

Log into the Forma website to view eligible items, shop the Forma Store and submit receipts for reimbursement. Please note: If you’re logging in on a personal device, enter your work email address as @johnshopkins.edu instead of @JHMI.edu.

If you have questions, email [email protected] .

Want Added Protection?

Consider enrolling in supplemental medical coverage that helps you pay for expenses not covered by your medical plan.

Cost for coverage

You pay for medical and prescription drug coverage through biweekly paycheck deductions. The amount you pay is determined by the plan you choose, who you cover and your salary.

View employee contributions.

How to enroll

You can enroll in medical insurance on SmartSource as a new hire, during open enrollment or if you experience a qualifying life event.

Coverage begins the first of the month following the date you were hired or became eligible for benefits.

Finding the right medical care

In-network providers

Find in-network physicians, providers and facilities near you:

Prescription drugs

Our medical plans administer prescription drug coverage through CVS Caremark or Kaiser and offer the same no-cost programs for specialty, asthma and diabetes medications.

View prescription drug coverage details.

Mental health and well-being

All Johns Hopkins medical plans include coverage for mental health care and substance abuse.

If you enroll in an EHP medical plan, you can schedule virtual appointments with in-network therapists and psychiatrists through UpLift . Appointments are available as early as the next day and no further out than two weeks.

Cancer support

All Johns Hopkins medical plans include coverage for typical cancer treatments, and all employees are eligible for free cancer support through Naviance.

Visit Cancer Support for details.

Other EHP medical plan programs

  • OnDemand Virtual Care: Video visit with a health care provider 24/7 for non-emergency care such as colds and flu, respiratory infections, rashes and more. This service costs $0. Start a visit online or download the Johns Hopkins OnDemand app (App Store | Google Play ).
  • Care coordination: When facing health challenges, contact EHP to get help managing your transition of care and coordinating care for complex issues and behavioral health, plus support through pregnancy and early parenting.
  • Specialty appointment line: Call 800-557-6916, option 2, for help facilitating timely appointments for specialty care with preferred providers.