Medical & Prescription
We offer you a comprehensive benefits program to help you and your family protect your health and financial security. Your benefits are a valuable part of your compensation; we encourage you to learn how your plans work so you can get the most from them. NEW! You will now have three (3) plan options to choose from through United Healthcare in 2026. 2 High Deductible Health Plans and 1 PPO Plan.
Watch this video to learn more about your Medical Plan
Medical Highlights (In-Network)
HDHP Plan - Base
Network
UnitedHealthcare Choice Plus
Type of Deductible
Embedded
Calendar Year Deductible (Individual / Family)1,2
$5,000 / $10,000
Your Coinsurance3
0%
Out-of-Pocket Maximum (Individual / Family)
$6,900 / $13,800
Physician Visit (Primary / Specialist)
Deductible, then $25 / $75 copay
Preventive Care Services4
Covered 100%
Emergency Room Visit
Deductible, then $300
Urgent Care Visit
Deductible, then $50
Out-of-Network
Calendar Year Deductible (Individual / Family)
$10,000 / $20,000
Your Coinsurance
50%
Out-of-Pocket Maximum (Individual / Family)
$20,000 / $40,000
HDHP Plan - Buy-Up
Network
UnitedHealthcare Choice Plus
Type of Deductible
Embedded
Calendar Year Deductible (Individual / Family)1,2
$3,500 / $7,000
Your Coinsurance3
0%
Out-of-Pocket Maximum (Individual / Family)
$4,500 / $9,000
Physician Visit (Primary / Specialist)
Deductible, then $25 / $75 copay
Preventive Care Services4
Covered 100%
Emergency Room Visit
Deductible, then $300
Urgent Care Visit
Deductible, then $50
Out-of-Network
Calendar Year Deductible (Individual / Family)
$7,000 / $14,000
Your Coinsurance
50%
Out-of-Pocket Maximum (Individual / Family)
$14,000 / $28,000
PPO Plan
Network
UnitedHealthcare Choice Plus
Type of Deductible
Embedded
Calendar Year Deductible (Individual / Family)1,2
$1,500 / $3,000
Your Coinsurance3
20%
Out-of-Pocket Maximum (Individual / Family)
$5,000 / $10,000
Physician Visit (Primary / Specialist)
$25/$75 copay
Preventive Care Services4
Covered 100%
Emergency Room Visit
$300, then Coinsurance
Urgent Care Visit
$50 copay
Out-of-Network
Calendar Year Deductible (Individual / Family)
$3,000 / $6,000
Your Coinsurance
50%
Out-of-Pocket Maximum (Individual / Family)
$10,000 / $20,000
The medical plans have an embedded deductible. An embedded deductible means that each person covered on the plan (employee, spouse, child) has a personal deductible. When each personal deductible is met, coverage begins for that individual only.
1. When enrolling in a High Deductible Health Plan, all covered services are subject to the deductible except Preventive Care services.
2. Deductible year runs on the calendar year
3. Coinsurance kicks in once the calendar year deductible is met
4. Preventive care services include but are not limited to routine wellness exams, pelvic exams, pap testing, PSA tests, immunizations, annual diabetic eye exam, routine vision and hearing exams. Covers preventive care services rendered in a physician's office and outpatient service centers.
WHAT IS A...
Deductible: Amount you have to pay for a covered medical expense before your coinsurance kicks in.
Coinsurance: A percentage of the claim amount you pay (after your deductible is met), while your insurance plan pays for the rest. For example: You pay 0% and the plan pays 100%.
Copay: Fixed fee you may need to pay for healthcare services (i.e., office visits, prescriptions).
Out-of-Pocket Maximum: You will not have to pay more than this amount during your plan year – once you reach it, your insurance plan will cover all additional eligible expenses.
Rx Highlights
HDHP Plan - Base
Retail Pharmacy (30 day supply)
Tier 1 - Generic1
Deductible, then $10 copay
Tier 2 - Brand Name Formulary1
Deductible, then $35 copay
Tier 3 - Brand Name Non-Formulary1
Deductible, then $70 copay
Tier 4 - Specialty Medication1,2
Deductible, then $150
Mail-Order Pharmacy (90 day supply)
Tier 1 - Generic1
Deductible, then $25 copay
Tier 2 - Brand Name Formulary1
Deductible, then $87.50 copay
Tier 3 - Brand Name Non-Formulary1
Deductible, then $175 copay
Tier 4 - Specialty Medication1,2
Deductible, then $375
HDHP Plan - Buy-Up
Retail Pharmacy (30 day supply)
Tier 1 - Generic1
Deductible, then $10 copay
Tier 2 - Brand Name Formulary1
Deductible, then $35 copay
Tier 3 - Brand Name Non-Formulary1
Deductible, then $70 copay
Tier 4 - Specialty Medication1,2
Deductible, then $150
Mail-Order Pharmacy (90 day supply)
Tier 1 - Generic1
Deductible, then $25
Tier 2 - Brand Name Formulary1
Deductible, then $87.50
Tier 3 - Brand Name Non-Formulary1
Deductible, then $175
Tier 4 - Specialty Medication1,2
Deductible, then $375
PPO Plan
Retail Pharmacy (30 day supply)
Tier 1 - Generic1
$15 copay
Tier 2 - Brand Name Formulary1
$50 copay
Tier 3 - Brand Name Non-Formulary1
$150 copay
Tier 4 - Specialty Medication1,2
$250 copay
Mail-Order Pharmacy (90 day supply)
Tier 1 - Generic1
$37.50 copay
Tier 2 - Brand Name Formulary1
$125 copay
Tier 3 - Brand Name Non-Formulary1
$375 copay
Tier 4 - Specialty Medication1,2
$625 copay
Contact the provider of these benefits by calling this phone number or visiting this website: UHC Customer Service - (888) 842-4571, www.myuhc.com
HEALTH & WELLNESS RESOURCES
Designated Diagnostic Provider
Designated Diagnostic Providers (DDP) are laboratory and imaging service providers that meet certain quality and efficiency requirements. With your DDP benefit, you’ll have the highest level of coverage — and likely save money — when you use a DDP for outpatient lab and imaging services
MEDICAL & RX COSTS
(Based on 24 pays per year)
Employee Only
HDHP Base: $53.95
HDHP Buy Up: $63.68
PPO Plan: $67.32
Employee + Spouse
HDHP Plan Base: $257.41
HDHP Buy Up: $306.29
PPO Plan: $324.60
Employee + Children
HDHP Base: $213.18
HDHP Buy Up: $253.55
PPO Plan: $268.67
Employee + Family
HDHP Base: $452.03
HDHP Buy Up: $538.35
PPO Plan: $570.69
QUESTIONS? CONTACT THE CARE LINE
Care Line is an NFP-sponsored program that is staffed by dedicated professionals to help you understand the benefit options made available to you. Whether you have concerns about a recent claim or bill, finding an in-network doctor or just some guidance on which medical plan is right for you and your family, the Care Line can help educate and advocate. The Care Line is available to all employees and children over 18 who are enrolled on the benefit plan.
Contact the Care Line at (844) 717-8777, or you can submit your questions at callthecareline.com.
The Care Line is open Monday - Friday from 8:00 am - 7:00 pm (EST).