Choosing My Benefits
McClatchy offers medical plans with different premium amounts, deductibles, and money accounts. To determine which plan is right for you and your family, here are some things to consider before you choose.
Things to Consider
Here are some questions to think about as you explore the medical plan options:
Would you rather pay more for insurance (through premiums deducted from your paycheck) but pay less when you get care? Or, would you like to pay less each paycheck and pay a little more when you get care?
Our Savings Advantage plan — costs less in premiums but has a higher deductible to meet. Our lower-deductible Classic Care plan is more expensive per paycheck but you’ll pay less when you get care.
To compare paycheck contributions for each plan, see Costs and Rates.
If you choose the Savings Advantage plan, McClatchy will put money in an account you can use to pay health care expenses, including costs that count toward your deductible OR you can also save it for retirement.
McClatchy contributes to your Health Savings Account (HSA) each plan year. The amount McClatchy contributes depends on who you cover:
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If your coverage starts mid-year be sure to take a look at the HSA Employer Contribution Schedule as your month of installment will differ.
HSA vs. FSAs
Do HSAs and FSAs sound like a foreign concept? Do you need help choosing between an HSA and an FSA? Find everything you need to make an informed decision here.