The plan’s share of the cost of covered services which is calculated as a percentage of the allowed amount. This percentage is applied after the deductible has been met. You pay any remaining percentage of the cost until the out-of pocket maximum is met. Coinsurance percentages will be different between in-network and non-network services.
A fixed amount you pay for a covered health care service. Copays can apply to office visits, urgent care or emergency room services. Copays will not satisfy any part of the deductible. Copays should not apply to any preventive services.
The amount of money you pay before services are covered. Services subject to the deductible will not be covered until it has been fully met. It does not apply to any preventive services, as required under the Affordable Care Act.
All plans are required to have an unlimited lifetime maximum.
A provider who has a contract with your health insurer or plan to provide services at set fees. These contracted fees are usually lower than the provider’s normal fees for services.
The most you will pay during a set period of time before your health insurance begins to pay 100% of the allowed amount. The deductible, coinsurance and copays are included in the out-of-pocket maximum.
A process by your health insurer or plan to determine if any service, treatment plan, prescription drug or durable medical equipment is medically necessary. This is sometimes called prior authorization, prior approval or precertification.
The amount paid for medical services in a geographic area based on what providers in the area usually charge for the same or similar service.
Once logged in go to the Benefits tab > Benefits Enrollment.
Please use the Principal link to register for Dental and Vision, and the UMR link to register for Medical.
As a valued teammate, you help shape and impact the quality of life for people throughout our company and our communities. Choosing benefits can be overwhelming. We have equipped you with a 2025 Benefits Guide.
As a team member you play an important role in our mission to lead healthcare transformation. Our company’s high quality, comprehensive benefits are among the rewards you receive in return. These benefits are an important part of your total compensation, and our benefits program provides choice and value to meet the needs of our diverse workforce.
Choosing benefits can be overwhelming. We have equipped you with a 2025 Benefits Guide and this site which include tools and information to help you make the right choices for you and your family. They both offer comprehensive overviews of your health and welfare benefits and options, including details about eligibility, enrollment, and the plans available to you and your covered dependents.
Your well-being is about more than just physical health. It includes your emotional, financial, and social wellness too. No matter where you are on your health and wellness journey, we are here to support you.
