New! Imagine360 Reference Based Pricing Medical Plans
Reference Based Pricing (RBP) plans are designed to help lower your healthcare costs by using healthcare pricing benchmarks to determine fair costs instead of relying on negotiated network rates like traditional insurance.
- Two plan options, an HDHP with HSA and a PPO plan
- Lower paycheck contributions and enhanced benefits than the comparable UHC PPO and HDHP plans
- Concierge support that can help you find and compare providers, book appointments, provide care guidance, and resolve billing issues
- Access quality care at any hospital of your choice; no restrictive network
Changes to the UHC HDHP and PPO medical plans
You will continue to have access to the UHC HDHP and PPO medical plans. Key changes include:
- UHC HDHP Plan
- In-Network Out-of-Pocket Max increasing to $8,000 individual / $16,000 for family tiers
- UHC PPO Plan
- Network Out-of-Pocket Max decreasing to $9,000 individual / $18,000 for family tiers
- Emergency Room copay increased to $500 per admit
- Preferred Brand prescription copays increased to $40 retail (30-day supply) and $100 for mail order (90-day supply)
- Non-Preferred Brand prescription copays increased to $70 retail (30-day supply) and $175 for mail order (90-day supply)
- The Surest medical plan will be terming as of 1/1/2027
New! Cylinder: Virtual Digestive Health Program
Cylinder is now available to all members 18+ enrolled in a UHC or Imagine360 Reference Based Pricing medical plan. Benefits include:
- Personalized care for all digestive health issues ranging from mild discomfort to chronic conditions
- Virtual access to gastroenterologists, dietitians, health coaches, and gut-brain specialists
- Access to curated courses, personalized microbiome testing and results, and custom diet and lifestyle plans to manage symptoms
- Provided at no cost to you!
New! Life and AD&D and Supplemental Health Vendor
Life and AD&D and Supplemental Health (Accident, Critical Illness and Hospital Indemnity) coverage will be provided by Unum in 2027. Key highlights include:
- New additional cancer benefit under the Critical Illness policy that provides monthly payments during covered cancer treatment, up to 10 months or an additional 100% of the policy payout.
- New Building Benefit under the Critical Illness and Accident policies that increases your benefits based on how long coverage has been in force - 5% increase after 13 months, 10% after 37 months and 15% after 61 months.
Review the benefit guide and Resource documents for additional information.
New! Employee Assistance Program (EAP) Provider
- Receive up to three face-to-face or virtual counseling visits per person, per issue, each year at no cost
- Get 24/7 support for stress, anxiety, grief, relationship concerns, and more
- Access legal guidance, financial resources, child and elder care support, wellness coaching, and Medical Bill Saver®
Health Advocate will bethe new EAP provider in 2027, offering confidential support for you and your family.
New! Hawaii Employees Only: Additional Coverage Options
Please review the Hawaii Benefit Guide for additional information.
Effective January 1, 2027, Hawaii employees will have access to two medical plans:
