Medical

Asurion provides a range of medical coverage options so you can choose the one that best meets the needs of your health and wallet. When you elect Asurion medical coverage, prescription coverage is included.

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Medical options

The Bronze Plus option may be the right choice for you if:

You want low per-paycheck contributions, i.e., premiums.

And

You like predictability—to know exactly what you’ll pay when you see a provider or fill a prescription, i.e., copayments (copays).

Your Cost

How much you’ll pay for a medical option is a three-component equation:

1

What you pay to have coverage

2

What you pay when you need care

3

What you save for future healthcare needs

Varies depending on ZIP code and coverage level

Primary: $30
Specialist: $50

Employee only: $2,300
Family: $4,600

Flexible Spending Account
annual limit
Employee only: $3,200

  • Your per-paycheck cost
  • How much you pay when you see a provider
  • Copays do not count toward your deductible
  • Deductible: The amount you have to reach before the option shares the cost of your care
  • Coinsurance: 30%
    Your percentage of the cost of care that is shared with the option after you meet the deductible
  • Pretax payroll contributions
  • How you can cover your out-of-pocket costs, including medical and prescription copays; your deductible and coinsurance; and other planned and unplanned out-of-pocket healthcare needs

How does the Bronze Plus option work for Caroline1?

January

Health event: Preventive exam (i.e., annual physical)

Preventive visit

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 20

March

Health event: Sinus infection diagnosis

Provider visit

Rx: Tier 1 antibiotic

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 62

May

Health Event: Abnormal test follow up for diagnostic exam

Specialist visit

Lab test

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 220

July

Health Event: Cyst diagnosis and outpatient surgery

Provider outpatient hospital facility visits

Rx: Tier 2 post-surgical narcotic

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 1,320

September

Health Event: Bicycle accident

Provider and urgent care center visits

Rx: Tier 2 antibiotics

Physical therapy

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 1,755

November

Health Event: Strep throat

Telemedicine consultation

Rx: Tier 1 antibiotics

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 62

January 1
$0December 31
$0$2,300
Deductible: You Pay 100%
$6,700
Coinsurance: You Pay 30%, Plan Pays 70%
Plan Pays: 100%
Out-of-pocket Maximum $6,700

I Fictional example. Any similarity to a real individual is unintended. Assumes Employee only coverage; in-network care only.

Smart considerations

A flexible spending account may be a smart way to manage your out-of-pocket healthcare expenses for the year. Just remember that you have to use the balance in your FSA annually or you forfeit the remainder. The Bronze Plus option offers you the same doctors as the Gold option, but with lower premiums and a higher deductible.

The Silver option may be the right choice for you if:

You want low per-paycheck contributions, i.e., premiums.

And

You don’t expect to use a lot of medical services, or you can easily afford an expense like an unexpected doctor’s visit or prescription.

And

You want to save money for healthcare expenses—including your deductible and coinsurance, as well as future needs—in a pretax Health Savings Account.

Your Cost

How much you’ll pay for a medical option is a three-component equation:

1

What you pay to have coverage

2

What you pay when you need care

3

What you save for future healthcare needs

Varies depending on ZIP code and coverage level

You must pay the total cost of your service until you reach the deductible

Employee only: $1,700
Family: $3,400

Health Savings Account
annual limit1
Employee only: $4,250
Family: $8,500

  • Your per-paycheck cost

  • Deductible: The amount you have to reach before the option shares the cost of your care
  • Coinsurance: 25%
    Your percentage of the cost of care that is shared with the option after you meet the deductible
  • Pretax payroll contributions
  • How you can cover your out-of-pocket costs, including your deductible and coinsurance, and unplanned healthcare needs
  • Use it now, save for later, reinvest a portion or roll over the balance until retirement
1A Dental and Vision FSA is also available

You might be wondering if the Silver option will serve your needs well if you have a lot of medical and prescription expenses. It will—when you maximize your HSA savings. Consider the example below, showing someone with $5,000 of medical expenses in a year under the Gold and Silver options.

Comparison of $5,000 Annual Expenses

Employee Only Coverage

Gold Option (PPO)

Silver Option (HDHP)

12 months of premiums

$2,470

$614

Annual deductible

$800

$1,700

Coinsurance

($5,000 – $800) * .20= $840

($5,000 – $1,700) * .25 = $825

In this example, if you’re enrolled in the Silver option, you could pay your annual deductible plus coinsurance using pretax contributions you’ve saved in your HSA throughout the year.

How does the Silver option work for Caroline1?

January

Health event: Preventive exam (i.e., annual physical)

Preventive visit

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 20

March

Health event: Sinus infection diagnosis

Preventive visit

Rx: Tier 1 antibiotic

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 215

May

Health Event: Abnormal test follow up for diagnostic exam

Specialist visit

Lab test

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 420

July

Health Event: Cyst diagnosis and outpatient surgery

Provider outpatient hospital facility visits

25% coinsurance on remaining $345

Rx: Tier 2 post-surgical narcotic

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 1,030

September

Health Event: Bicycle accident

Provider and urgent care center visits

Rx: Tier 2 antibiotics

Physical therapy

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 508

November

Health Event: Strep throat

Telemedicine consultation

Rx: Tier 1 antibiotics

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 56.25

January 1
$0December 31
$0$1,700
Deductible: You Pay 100%
$4,250
Coinsurance: You Pay 25%, Plan Pays 75%
Plan Pays: 100%
Out-of-pocket Maximum $4,250

I Fictional example. Any similarity to a real individual is unintended. Assumes employee only coverage; in-network care only.

Silver option features a “True Family” deductible. If you enroll in any coverage other than Employee only, the “Family” deductible must be met before cost-sharing begins for any covered individual.

Smart considerations

A Health Savings Account is available only with the Silver option because it is a high-deductible health plan (HDHP).

CONTRIBUTIONS

are pretax (so your gross pay is lower for tax purposes, too)

INTEREST

accrues untaxed

EXPENDITURES

for qualified expenses are tax-free

Bottom line: If you need predictability in cost or don’t want to save money in an HSA, the Silver option probably will not be a good fit.

The Gold option may be the right choice for you if:

You want a low annual deductible in exchange for higher premiums.

And

You like predictability—to know exactly what you’ll pay when you see a provider or fill a prescription, i.e., copayments (copays).

Your Cost

How much you’ll pay for a medical option is a three-component equation:

1

What you pay to have coverage

2

What you pay when you need care

3

What you save for future healthcare needs

Varies depending on ZIP code and coverage level

Primary: $25
Specialist: $40

Employee only: $800
Family: $1,600

Flexible Spending Account
annual limit
Employee only: $3,200

  • Your per-paycheck cost
  • How much you pay when you see a provider
  • Copays do not count toward your deductible
  • Deductible: The amount you have to reach before the option shares the cost of your care
  • Coinsurance: 20%
    Your percentage of the cost of care that is shared with the option after you meet the deductible
  • Pretax payroll contributions
  • How you can cover your out-of-pocket costs, including medical and prescription copays; your deductible and coinsurance; and other planned and unplanned out-of-pocket healthcare needs

How does the Gold option work for Caroline1?

January

Health event: Preventive exam (i.e., annual physical)

Preventive visit

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 20

March

Health event: Sinus infection diagnosis

Preventive visit

Rx: Tier 1 antibiotic

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 55

May

Health Event: Abnormal test follow up for diagnostic exam

Specialist visit

Lab test

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 210

July

Health Event: Cyst diagnosis and outpatient surgery

Provider outpatient hospital facility visits

Rx: Tier 2 post-surgical narcotic

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 1,310

September

Health Event: Bicycle accident

Provider and urgent care center visits

Rx: Tier 2 antibiotics

Physical therapy

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 1,575

November

Health Event: Strep throat

Telemedicine consultation

Rx: Tier 1 antibiotics

Over-the-counter (OTC) allergy meds

Total Caroline spent this month

$ 60

January 1
$0December 31
$0$800
Deductible: You Pay 100%
$3,600
Coinsurance: You Pay 20%, Plan Pays 80%
Plan Pays: 100%
Out-of-pocket Maximum $3,600

I Fictional example. Any similarity to a real individual is unintended. Assumes employee only coverage; in-network care only.

Smart considerations

A flexible spending account may be a smart way to manage your out-of-pocket healthcare expenses for the year. Just remember that you have to use the balance in your FSA annually or you forfeit the remainder.

Gold vs. Gold II—California

California has two Gold options. The Gold II option is an HMO with only in-network benefits.

Gold

Gold II

PREVENTIVE CARE

100% covered

100% covered

COPAYMENT (COPAY)

Primary physician / Specialist

$25 / $40

$25 / $40

DEDUCTIBLE

Employee only / Family

$800 / $1,600

None

COINSURANCE

20%

30%

out-of-pocket maximum

$3,600 / $7,200

$5,400 / $10,800

HEALTHCARE ACCOUNT

Flexible Spending Account optional
Health Savings Account not available

Flexible Spending Account optional
Health Savings Account not available

PRESCRIPTION

Tier 1
Tier 2
Tier 3

$10
$40
$60

$10
$40
$60

MEDICAL OPTION

Preferred Provider Organization (PPO)

Health Maintenance Organization (HMO)

Only in-network benefits

Notes: In-network rates shown only. PCP is your primary care physician. Deductible and out-of-pocket maximum listed as Employee only / Family.

The Platinum option may be the right choice for you if:

You don’t mind paying the highest premiums.

And

You like the predictability of copayments when you see a provider or fill a prescription.

Your Cost

How much you’ll pay for a medical option is a three-component equation:

1

What you pay to have coverage

2

What you pay when you need care

3

What you save for future healthcare needs

Varies depending on ZIP code and coverage level

Primary: $25
Specialist: $40

Employee only: $250
Family: $500

Flexible Spending Account
annual limit
Employee only: $3,200

  • Your per-paycheck cost
  • How much you pay when you see a provider
  • Copays do not count toward your deductible
  • Deductible: The amount you have to reach before the option shares the cost of your care
  • Coinsurance: 15%
    Your percentage of the cost of care that is shared with the option after you meet the deductible
  • Pretax payroll contributions
  • How you can cover your out-of-pocket costs, including medical and prescription copays; your deductible and coinsurance; and other planned and unplanned out-of-pocket healthcare needs

Smart considerations

A flexible spending account may be a smart way to manage your out-of-pocket healthcare expenses for the year. Just remember that you have to use the balance in your FSA annually or you forfeit the remainder.

Comparing plans

Bronze Plus

Gold

Platinum

Silver

PREVENTIVE CARE

100% covered

100% covered

100% covered

100% covered

PREMIUMS

Rates depend on ZIP code and coverage level

$

$$

$$$

$

COPAYMENT

PCP / Specialist

$30 / $50

$25 / $40

$25 / $40

You pay the cost of visit until deductible is met

URGENT CARE

$50

$40

$25

None

DEDUCTIBLE

Employee only / Family

$2,300 / $4,600

$800 / $1,600

$250 / $500

$1,700 / $3,400

COINSURANCE

30%

20%

15%

25%

Out-of-pocket maximum

$6,700 / $13,400

$3,600 / $7,200

$2,300 / $4,600

$4,250 / $8,500

HEALTHCARE ACCOUNTS

Flexible Spending Account

Health Savings Account

FSA optional

HSA not available

FSA optional

HSA not available

FSA optional

HSA not available

Dental and vision FSA optional

HSA available

PRESCRIPTION Copayment

Tier 1
Tier 2
Tier 3

$12
$60
$80

$10
$40
$60

$8
$30
$50

No copayments
25% after deductible

Events

Notifications