🩺 Health & Coverage

Let’s cover your health

We offer medical, dental, and vision coverage at ReadMe for employees and their dependents. Several plans are available to all employees. ReadMe will contribute 100% of the cost for all employees and 100% for dependents. Coverage begins on the first of the month following the start date.

Here it is:

WHAT'S AN HMO? You must select an in-network primary care physician (PCP) to coordinate all of your medical care. If you feel sick, you must visit your PCP first, unless it's an emergency. Your PCP will then determine whether you need to see a specialist. HMO plans tend to have much lower consumer costs than a PPO, they often have no deductible and low co-payments. However, HMO plans limit your care to in-network physicians.

WHAT'S A PPO? A PPO plan generally offers a much broader network of doctors, a PPO allows you to see almost any doctor of your choice, as long as they are part of the network. Patients aren’t tied to a single primary care physician and a referral is not required to see a specialist. In-network care is encouraged through lower co-pays and more comprehensive benefits, but out of network care may still be partially covered. However, premiums for PPOs are typically higher than HMOs, and deductibles typically range from $500 up to $2,000.

CHOOSING ONE A PPO might be worth considering if you can afford higher premiums, want the freedom to choose from a wide network, or frequently visit specialists. An HMO may be best if you don’t mind being restricted to a limited number of doctors, need to keep out-of-pocket costs at a minimum, or can’t afford a high deductible.