Medical Plans
Compare Medical Plans
Our medical coverage provides you and your family the protection you need for everyday health issues or when the unexpected happens.
You have access to three medical plans through our national carrier, Anthem Blue Cross. All three plans provide a range of coverage levels and costs, including preventive care covered at 100%, prescription drug coverage and the protection of an out-of-pocket maximum – a feature that limits what you pay in any year if you have large medical expenses. Depending on where you live, you may also have access to the Kaiser Permanente HMO network.
Not sure which UR medical plan will be best for you and your family? Ask ZOE! ZOE is an interactive, virtual benefits counselor that provides conifdential help in finding the best medical coverage for the lowest cost based on the needs of you and your family.
Anthem Blue Cross Gold Plan
- Lowest annual deductible: $250 Individual/$750 Family
- Copays for office/specialist visits / coinsurance for other care (after deductible is met)
- Freedom to use in-network or out-of-network providers (you pay much less in-network)
- Visit network of Anthem Blue Cross health care providers for lower costs
- Higher biweekly contributions
- Access to a Healthcare Flex Spending Account
Anthem Blue Cross Silver Plan
- Higher annual deductible: $2,000 Self-Only coverage /$4,000 all other coverage tiers
- You pay Coinsurance for your care (after the deductible is met)
- Freedom to use in-network or out-of-network providers (you pay much less in-network)
- Visit network of Anthem Blue Cross health care providers for lower costs
- Lower biweekly contributions
- Access to a Health Savings Account with contributions from the Company
Anthem Blue Cross Bronze Plan
- Highest annual deductible: $3,000 Self-Only coverage / $6,000 all other coverage tiers
- You pay Coinsurance for your care (after deductible is met)
- Freedom to use in-network or out-of-network providers (you pay much less in-network)
- Visit network of Anthem Blue Cross health care providers for lower costs
- Lowest biweekly contributions
- Access to a Health Savings Account with contributions from the Company
Kaiser Permanente HMO Plan
- No annual deductible
- Copays for doctor visits
- Must visit in-network providers
- Must designate a Primary Care Physician
- Higher biweekly contributions
Important Points
In-Network Preventive Care
To emphasize the importance of wellness, eligible preventive care expenses are covered by your plan at 100% if you receive care from in-network providers.
Deductible
You pay for your medical (Gold) or medical and prescription (Silver & Bronze) costs until you meet your annual deductible. The deductible varies by plan, and the Kaiser HMO plan (select markets only) is a zero-deductible option.
Copays
A fixed amount (for example, $25 or $45) you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service. Copays are typically not applied to your deductible.
Coinsurance
After you meet your deductible, a percentage amount (for example, 20%) you pay for a covered health care service, usually billed after you receive the service.
Out-of-Pocket Maximum
The maximum amount you would ever pay in a calendar year. Once you meet your out-of-pocket maximum, the plan pays 100% of your eligible in-network expenses for the remainder of the year. Remember to always stay in-network, because your out-of-network out-of-pocket max is much higher.