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The Journey Plan is designed to have the lowest premiums of any of the VEBA medical plan designs. This is made possible by introducing a deductible on infrequent medical care like hospitalization and surgery. Remember, you can use your HRA money to reimburse your out-of-pocket medical care costs.


This innovative design is a great option if you:




Is it right for you?

Are enjoying a healthy lifestyle and only expect to use the plan for prescription drugs or a random illness or injury like strep throat or a sprained ankle;

Are most interested in essential coverage for unexpected events and are okay with higher out-of-pocket costs if something happens; and

Want to build up an HRA (savings account) for current or future medical care expenses. The money is yours to keep—even if you leave the plan or change jobs.