Did you not get a packet in the mail? All of the information is there. There is even more information online and you can easily get ahold of the insurance department on the phone. I have called them twice in the last week and got right thru. What you are confused about is they eliminated the old SELECT plan. That had the cheaper deductible with fewer choices for doctors. Last year you basically had 6 choices, this year some have 4 choices with Cigna and some only have 3.Like they told us the deductibles went from 850 to 1250 this year on the old premier plans?