Medical & Prescription Drug
You have a choice of medical plans with a range of coverage levels and costs, so you have the flexibility to select the option that’s best for you. UnitedHealthcare (UHC) and Surest are some of our health insurance carriers for 2024. You have two plan options through UHC and one through Surest, providing both in- and out-of-network coverage (you pay less when you stay in-network). All three plans include prescription drug coverage through OptumRx and are available in all states except Hawaii.
UHC PPO Core
This is a Preferred Provider Organization (PPO) Plan. You pay a copay for office visits or urgent care from an in-network provider. You also pay a copay for most covered prescription drugs. For other covered services, you pay the deductible plus coinsurance. When you reach your annual out-of-pocket maximum, the plan pays 100% for the rest of the year. If you enroll in this option, you can enroll in the Health Care Flexible Spending Account.
UHC $3,200 High Deductible Health Plan w/Optional HSA
This option has a higher deductible compared to the other UHC plan, but lower premiums. You pay 100% of medical and prescription costs until you meet your deductible. Then the plan pays 70% of covered costs. If you reach your out-of-pocket maximum, the plan pays 100% until year end. This HDHP is paired with a tax-advantaged Health Savings Account (HSA) to help you pay out-of-pocket expenses. O&M matches your contributions up to a certain amount each year, depending on your coverage.
Surest PPO Plan
With this plan, there’s no deductible or coinsurance. Instead, all your healthcare purchases have a fixed price (copay) for your out-of-pocket costs. So you know the cost of your treatment options before you go to the doctor. If you enroll in this option, you can enroll in a Health Care Flexible Spending Account.
View The Medical Chart
| UHC PPO Core | UHC $3,200 HDHP w/Optional HSA | Surest PPO | ||||
|---|---|---|---|---|---|---|
| HSA eligible | No | Yes | No | |||
| Company matching contribution to HSA | N/A | • $300 (teammate only) • $425 (teammate + spouse/domestic partner/child(ren)) • $600 (teammate + family) • See HSA page for details You must contribute to your HSA in order to receive the company match | Lower deductible | |||
| In-network care: your costs | ||||||
| Preventive care | $0; plan pays 100% | $0; plan pays 100% | $0; plan pays 100% | |||
| Individual/family deductible | $2,000/$4,000 | $3,200/$6,400 | $0/$0 | |||
| Individual/family out-ofpocket maximum (includes deductible) | $6,000/$12,000 | $6,550/$13,100 | $6,000/$12,000 | |||
| Your coinsurance | 20% after deductible | 30% after deductible | N/A | |||
| Office visit (primary care/ specialist) | $30 copay/$60 copay | 30% after deductible | $40-$140 copay1 | |||
| Telemedicine visit | $30 | 30% after deductible30% after deductible | $0-$90 copay | |||
| Emergency room visit | 20% after deductible | 30% after deductible | $850 copay2 | |||
| Prescriptions: your costs | ||||||
| Retail: 30-day supply Generic Formulary Non-formulary Specialty | Deductible does not apply: Tier 1—$15 Tier 2—$60 Tier 3—$75 Tier 4—50% Coinsurance up to $125 max* | 30% after deductible* | Tier 1-$10 copay Tier 2-$90 copay Tier 3-$160 Tier1-$440/Tier 2-$480/ Tier 3-$530 | |||
| Mail order: 90-day supply Generic Formulary Non-formulary Specialty | Deductible does not apply: Tier 1—$38 Tier 2—$125 Tier 3—$188 Tier 4—N/A | Tier 1—30% after deductible Tier 2—30% after deductible Tier 3—30% after deductible Tier 4: N/A | Tier1-$25 copay Tier 2-$225 copay Tier 3-$400 copay Not covered | |||
| Preventive maintenance drugs are covered at 100% on all three plans. | ||||||
1 Costs vary depending on type of treatment.
2 Copay waived if admitted within 24 hours.
* Specialty must be filled through Optum Specialty Pharmacy (Mail Order only).
For more information, visit the UnitedHealthcare (UHC) and Surest websites:
• UnitedHealthcare (UHC): whyuhc.com/owensminor
• Surest: join.surest.com/OwensMinor (Access Code: OwensMinor2024)
This Benefits Website provides general information for our benefit eligible employees; however, more detailed information is available within the plan documents and legal contracts between our company and the insurance providers. In case of any discrepancy between this Benefits Website and the plan documents, the plan documents always govern and determine your exact benefits. In addition, the company reserves the right to modify or terminate any benefit plan at any time. Benefits are not a guarantee of employment.