We offer some of the best medical plans available, but depending on your preferences one plan may be better than the other for you. That’s why you get to choose what works best for you and your family!

There are two decisions you need to make when choosing your medical coverage – (1) pick your plan type and (2) pick the insurance company. Check out this quick video overview of your options before you get started!

Step 1: Pick A Plan

Here’s a side-by-side comparison of the three plans:

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  HRA Plan EPO Plan HSA Plan
Calendar year deductible
  • Individual
  • Enrolled
    dependents
$1,500
$3,000
$350
$700
$1,500
$3,000
T-Mobile account funding
(for coverage effective on
Jan. 1)
  • Individual
  • Enrolled
    dependents



$500
$1,000
Entire T-Mobile funding is available on first day of coverage.
Any balance rolls over to the next year, up to $6,000 as long as you remain in the plan
N/A
N/A
$500
$1,000

T-Mobile contributions are prorated and funded by the Friday following each pay date
T-Mobile account funding
(for coverage effective on
Feb. 1 or after)
  • Individual
  • Enrolled dependents



$41.66/month
$83.33/month
Entire T-Mobile funding is available on first day of coverage.



NA
NA



$19.23/pay period
$38.46/pay period

T-Mobile contributions are prorated and funded by the Friday following each pay date
Calendar year out-of-pocket maximum
(includes the deductible)
  • Individual
  • Enrolled dependents
$3,000
$6,000
$1,850
$3,700
$3,000
$6,0001
Coinsurance
(starts after the deductible is met)
Plan pays 80% in-network;
60% out-of-network up to R&C2
Plan pays 80% in-network only;
NO coverage out-of-network
Plan pays 80% in-network;
60% out-of-network up to R&C2
Office visits
  • Preventive
  • Primary care physician
  • Specialist
FREE
$35
$50
FREE
$20
$30
FREE
Deductible + coinsurance
Deductible + coinsurance
Emergency room $150 copay, then plan pays 80% after deductible
(copay waived if admitted)
$150 copay, then plan pays 80% after deductible
(copay waived if admitted)
Plan pays 80% after deductible
Prescription drugs
  • Tier 1 (30 days)
  • Tier 2 (30 days)
  • Tier 3 (30 days)
  • Mail order (90 days)
10% ($5 min.–$20 max.)
20% ($25 min.–$50 max.)
30% ($45 min.–$70 max.)
Coinsurance x 2
$10
$30
$50
Copay x 2
Deductible + coinsurance
Preventive prescription drugs3
  • Tier 1 (30 days)
  • Tier 2 (30 days)
  • Tier 3 (30 days)
  • Mail order (90 days)
FREE $10
$30
$50
Copay x 2
FREE
Lifetime maximum Unlimited Unlimited Unlimited
Teladoc Included at no cost Included at no cost Included but deductible and coinsurance will apply

1The Health Savings Plan features a true family deductible. The family deductible is two times the individual deductible and requires that the entire family deductible is met before covered benefit members start receiving benefits from the plan. For example, an employee enrolled in family coverage must meet the entire $3,000 deductible before the plan starts paying 80% of covered charges. Please note that the out-of-pocket maximum works the same way.

2 R&C is reasonable and customary, the amount a provider in your area would typically charge. You are responsible for any charges from your provider that are above the R&C amount.

3 The other difference is that in the HRA and HSA Plans, a robust list of preventive medications are FREE. You can call Optum Rx at (877) 259-1527 to confirm if a medication is on the preventive medication list.

Additional plan differences

HRA Plan EPO Plan HSA Plan
HRA dollars can only be used for medical expenses

You can also enroll in a Health Care FSA
You can also enroll in a Health Care FSA to cover your portion of Medical, Dental and Vision expenses

Triple tax savings!
  • Payroll contributions to your HSA are tax-free
  • Any earnings on your HSA are tax-free.
    HSA money used to pay for eligible expenses is tax-free. You can contribute (including T-Mobile funding) up to $3,450 for individual coverage and $6,850 if you have qualified dependents on the plan
  • Employees ages 55+ are eligible for an additional $1,000 “catch-up” contribution
  • HSA funds can be used for out-of-pocket medical, dental and vision expenses

With the HSA you pay all costs until you meet your deductible, including the full cost of prescriptions

The HSA has a true family deductible, meaning if you cover dependents, you must meet the entire family deductible before the plan will provide coverage for any member

With an HSA you cannot
  • Have a Health Care FSA
  • Have a spouse with a Health Care FSA
  • Have disqualifying coverage (such as coverage through your spouse that isn't a high deductible plan)
  • Be enrolled in Medicare
  • Be someone else's tax dependent
  • Use your HSA for non-IRS tax dependents (like a domestic partner)

Need Help Deciding? Take a quick quiz to find out which plan may be right for you.

Costs

For each plan, there are different rates, based on who you cover.

Bi-Weekly Costs for Medical Plans (No Domestic Partner Enrolled)

Plan Year: Jan 1, 2018 – Dec 31, 2018

Coverage Election Medical
  Health Reimbursement Plan (HRA) Exclusive Provider Organization (EPO) Health Savings Plan (HSA)
  Employee Employer Employee Employer Employee Employer
Employee Only $22.00 $197.33 $42.00 $205.78 $32.00 $184.53
Employee plus Spouse $56.00 $382.66 $95.00 $400.56 $74.00 $359.06
Employee plus Children $42.00 $353.98 $77.00 $368.99 $60.00 $331.44
Employee plus Family $74.00 $578.04 $132.00 $611.31 $100.00 $541.10
Additional Working Partner Premium1 $46.15 $46.15 $46.15

Domestic Partner2 Enrolled: Bi-Weekly Pre-Tax vs Post-Tax Contributions for Medical Plans

Plan Year: Jan 1, 2018 – Dec 31, 2018

Coverage Election Medical
  HRA Plan EPO Plan HSA Plan
  Pre-Tax Post-Tax Pre-Tax Post-Tax Pre-Tax Post-Tax
Employee plus DP $22.00 $34.00 $42.00 $53.00 $32.00 $42.00
Employee plus Children
(where only DP children are covered)
$22.00 $20.00 $42.00 $35.00 $32.00 $28.00
Employee Plus Family
(where DP and at least one non-DP child are covered)
$40.00 $34.00 $79.00 $53.00 $58.00 $42.00
Employee Plus Family
(where DP and only DP child(ren) are covered)
$20.00 $54.00 $44.00 $88.00 $30.00 $70.00
Employee Plus Family
(where no DP and only DP child(ren) are covered)
$54.00 $20.00 $97.00 $35.00 $72.00 $28.00

Domestic Partner Enrolled3: Bi-Weekly Imputed Income

Plan Year: Jan 1, 2018 – Dec 31, 2018

Coverage Election Medical
  HRA Plan EPO Plan HSA Plan
Employee plus DP $185.34 $194.78 $165.83
Employee plus Children
(where only DP children are covered)
$156.65 $163.22 $140.05
Employee Plus Family
(where DP and at least one non-DP child are covered)
$185.34 $194.78 $165.83
Employee Plus Family
(where DP and only DP child(ren) are covered)
$378.72 $407.54 $336.69
Employee Plus Family
(where no DP and only DP child(ren) are covered)
$156.65 $163.22 $140.05

1 You’ll pay an additional working partner premium of $46.15 per pay period if you’re covering a spouse or domestic partner who chooses not to be covered through their employer as primary coverage.

2You are responsible for paying both the pre-tax and the post-tax portion of the contribution.

3This represents the amount that T-Mobile pays for your domestic partner’s coverage. Because the IRS doesn’t consider them to be a tax dependent, this amount is added to your paycheck as taxable income.