Health Benefits

Be healthy. Choose wisely.

Compare the Medical Plans

  $900 DEDUCTIBLE PLAN $1,500 DEDUCTIBLE PLAN $2,500 DEDUCTIBLE PLAN $4,500 DEDUCTIBLE PLAN $6,550 DEDUCTIBLE PLAN
HSA Eligible No Yes Yes No Yes
HSA Company Funding (per pay period) No Up to an annual maximum of $150 single; $300 employee plus dependent Up to an annual maximum of $150 single; $300 employee plus dependent No No
Preventive Healthcare Visit Covered at 100% in-network
In-Network
Individual/Family Deductible1 $900/$1,800 $1,500/$3,000 $2,500/$5,000 $4,500/$9,000 $6,550/$13,100
Individual/Family Out-of-Pocket Max $4,800/$9,600 $5,200/$6,850 $6,200/$6,850 $6,550/$13,100 $6,550/$13,100
Plan Coinsurance 80% after deductible 80% after deductible 70% after deductible 70% after deductible 100% after deductible
Office Visit (Primary Care/Specialist) 80% after deductible 80% after deductible 70% after deductible 70% after deductible 100% after deductible
Retail Prescriptions - Short-term drugs and maintenance drugs up to first two fills4
(up to 30-day supply)
Generic 70% (min $10, max $20)2 80% after deductible3 70% after deductible3 70%2 100% after deductible3
Preferred Brand5 70% (min $25, max $50)2 80% after deductible3 70% after deductible3 70%2 100% after deductible3
Non-Preferred Brand5 55% (min $40, max $80)2 60% after deductible3 50% after deductible3 50%2 100% after deductible3
Mail Order Prescriptions
(up to 90-day supply)
Generic 70% (min $25, max $50)2 80% after deductible3 70% after deductible3 70%2 100% after deductible3
Preferred Brand5 70% (min $62.50, max $125)2 80% after deductible3 70% after deductible3 70%2 100% after deductible3
Non-Preferred5 Brand 55% (min $100, max $200)2 60% after deductible3 50% after deductible3 50%2 100% after deductible3
Specialty Drugs
(up to a 30-day supply)		 Subject to applicable prescription coinsurance

1$1,500 and $2,500 Deductible Plans—Family unit must meet family deductible before coinsurance is available. Each family member's covered expenses (medical and prescription drug expenses) count toward the family deductible. Once this family deductible is met, the Plan will pay benefits for all family members. The single deductible only applies to a member with no covered dependents. $900, $4,500, and $6,550 Deductible Plans—Each member must meet the individual deductible, subject to the family maximum, before coinsurance is available.

2 Healthcare deductible does not apply.

3 Healthcare deductible waived for preventive medications. Under the $6,550 Deductible Plan, coinsurance of 70% generic, 70% preferred brand and 50% non-preferred brand applies to preventive medications.

4Maintenance drugs after two fills—plan pays 0%

5You will pay the difference between the brand and generic (does not count toward deductible)

The benefits in all healthcare plan options in the state of Massachusetts meet the state's creditable coverage health insurance coverage standards in effect as of September 1, 2016.

What Will You Pay?

Your specific benefit costs per pay period will be displayed as you're enrolling on the Kindred Benefits Marketplace website. Please note that rates reflect your current wellness program participation. If you're unsure if you are currently receiving the Healthy Rewards Rate or Basic Rate, you can find this information as you're enrolling on the Kindred Benefits Marketplace website. Click here for more information on how to earn and retain the discounted Healthy Rewards Rate.

Learn More

View our glossary to learn more about some of the terms used on this page.