- Health & Well-Being
- 401(k) & Profit Sharing
- Time Away From Work
- Other Benefits
- Summary Plan Documents & Required Notices
All three plans cover preventive care at $0 cost to Associates.
Pharmacy benefits for all three plans are now managed by SmithRx in 2025.
| PPO | HSA Plus | HSA Basic | |
|---|---|---|---|
| Medical plan feature | in Network | in Network | in Network |
| Paycheck Contributions | Higher | Moderate | Lower |
| Employer HSA contribution | None | $720 / $960 / $1,200 / $1,320 |
$1,080 / $1,440 / $1,560 / $2,040 |
| Annual deductable | $1,000 / $2,000 | $3,300 / $6,400 | $4,000 / $8,000 |
| Out-of-pocket maximum | $6,500 / $13,000 | $5,000 / $10,000 | $6,550 / $13,100 |
| Coinsurance | 20% | 20% | 20% |
| Office Visit (PCP/SPCC) | $0 / $100 | 20% after deductible | 20% after deductible |
| Emergency room | $250 + 20% | 20% after deductible | 20% after deductible |
|
Prescription tiers after deductible |
$0 / $50 / $100 / $250 |
$10 / $35 / $60 | $10 / $35 / $60 |
Prescription co-pay tiers are embedded in medical plan deductibles, outside of tier 1 and 2 under the PPO plan only.
The Associate premium rates for 2025 are shown in the table below.
| Bi-Weekly Contributions | Bi-Weekly Wellness | ||||||
|---|---|---|---|---|---|---|---|
| Medical Contributions | PPO | HSA Plus | HSA Basic | Who Completed Wellness | PPO | HSA Plus | HSA Basic |
| Employee Only | $124 | $45 | $36 | Associate Only | $99 | $20 | $11 |
| Employee Plus Spouse/Domestic Partner | $341 | $175 | $138 | Associate Only | $316 | $150 | $113 |
| Associate & Spouse | $299 | $133 | $96 | ||||
| Employee Plus Child(ren)/Domestic Child(ren) | $270 | $125 | $103 | Associate Only | $245 | $100 | $78 |
| Family | $545 | $283 | $235 | Associate Only | $520 | $258 | $210 |
| Associate & Spouse | $503 | $241 | $193 | ||||
*If you enroll a spouse/domestic partner who is eligible for medical insurance through their employer’s plan, a surcharge of $140 will be added to your premium, semi-monthly. The surcharge is only applicable through the three medical plans.
ID Card
Sign into your medical plan account to view your member ID card online, or download the United Medical Resources App.
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