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Benefits options

IBM's medical options include the IBM Preferred Provider Organization (PPO), IBM PPO Plus, IBM High-Deductible PPO with Health Savings Account, the IBM Exclusive Provider Organization (EPO), and health maintenance organizations (HMOs), where available. Coverage under the IBM PPO is available at no cost for employee-only coverage. Employees who decline medical benefits receive a "no coverage" credit of $30 per month.

IBM continues to invest in quality health programs, wellness and preventive care, which include providing you with a variety of resources to support your health and 100% coverage for routine check-ups and preventive services received in-network.

To help you understand the features and coverage offered under each of the medical options available to you, we've provided brief descriptions of each medical option, a medical options comparison chart and issues you may want to consider as you make your benefit choices.