3
Physical
Health Plans and Other Insurance Coverage
Medical
Choose between two types of medical plans — copay and HSA plans. Both are
designed to deliver value and provide comprehensive coverage.
•
With a
copay plan
, you pay a flat fee for a specific health care service. Costs
can be more predictable, and your upfront out-of-pocket costs can be lower
with this type of plan. Some copay plans are network only, meaning there is
no out-of-network coverage except for emergency services or as required by
law.
•
With an
HSA plan
, you must first meet a deductible before the plan will pay
for a covered health care service (except for in-network preventive care).
Once you’ve met your annual deductible, the plan will pay a percentage of the
cost of a covered service (known as “coinsurance”). Costs can be less
predictable, and your upfront out-of-pocket costs can be higher with this type
of plan. You can see in- or out-of-network providers.
These plans partner with a Health Savings Account (HSA), which you can
use to pay for eligible expenses on a tax-advantaged basis now and in the
future. We contribute to your HSA, and you can also put your own money into
the account by making pretax payroll contributions, up to IRS limits.
Medical plan availability is generally based on your legal employer and home
ZIP code. All plans cover in-network preventive care at 100%, offer access to
high quality providers, and include prescription drug coverage and free or low-
cost 24/7 Virtual Visits.
Dental
In-network preventive services, such as cleanings, covered at 100%. You can
receive care from any provider, but you’ll pay less with a network dentist.
Vision
Coverage for your eye care needs. You can see any vision provider, but you’ll
pay less if you use a network provider.
Life Insurance and Accidental Death & Dismemberment
(AD&D)
Financial protection in the event of a serious accident or death. You
automatically receive company-paid Employee Basic Life Insurance and AD&D,
and you may be eligible to purchase the following coverage:
•
Employee Supplemental Life Insurance and AD&D
•
Spouse or Domestic Partner Life Insurance and AD&D
•
Child Life Insurance
When it comes to your
physical well-being, we
offer comprehensive
health plans and other
insurance coverage, plus
ways to make it easier to
incorporate healthy
choices into your day.
Whether you’re looking for
support with chronic
conditions, fitness,
healthy eating or quitting
tobacco, we have
programs and resources
to support you and those
you care for.
