Jaynes is self-insured and offers an HSA-eligible High Deductible Health Plan (HDHP) through the PHCS Multiplan network. Imagine360 administers the plan and serves as your primary contact for benefits, eligibility, claims, and billing support.

 

How the Plan Works

HDHPs feature lower premiums but require you to pay 100% of healthcare costs until you meet your deductible. After that, Jaynes covers 80% of eligible expenses, and you pay 20% until reaching your out-of-pocket maximum—after which Jaynes covers 100% of costs for the rest of the year.

 

PHCS Providers (Excludes Presbyterian)

• Deductible: $1,700 (Individual) / $3,400 (Family)

• Co-Insurance: 20%

• Out-of-Pocket Max: $3,000 (Individual) / $6,000 (Family)

• Preventive Care: Covered 100% (no deductible)

 

Presbyterian Providers

• Deductible: $3,200 (Individual) / $6,400 (Family)

• Co-Insurance: 50% (20% for prescriptions)

• Out-of-Pocket Max: $6,900 (Individual) / $13,800 (Family)

• Preventive Care: Covered at 50% (after deductible)

 

Access Your Benefits & Find Providers

Create an account at https://mibenefits.imagine360.com/login to view your benefits and search for in-network providers.

 

Discounted Premiums

To qualify for the discounted non-tobacco/nicotine wellness rate, you (and your spouse, if enrolled) must:​

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1. Complete a free biometric screening at the Jaynes Healthcare Clinic by December 8, 2025.

2. Enroll in and complete the Nuvita Wellness Program. Learn more at https://www.nuvitamove.com/jaynes.

 

For More Information, Please Review The Following Documents:

Health Plan Summary - PHCS

Health Plan Summary - San Juan (Four Corners area)

HDHP Info sheet

Health Insurance Marketplace

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