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Employee Benefits Renewal Analysis
<br />Renewal Date: 3/1/2026
<br />Medical
<br />CURRENT
<br />UnitedHealthcare
<br />UHC DUBL-M / Rx E27 UHC DU4Y-M / Rx E27
<br />NEGOTIATED RENEWAL -
<br />UnitedHealthare
<br />UHCEKPS M / FIX E27 UHC EKNK-M / Rx E27
<br />Provider Network
<br />.11niSadHeaHhcere:Netwndc. •'•.'i;
<br />_Upi(BtlHeanticgreiNetwotk
<br />UnitedHeallhcareNelwork
<br />UnitedHealthcareNetwork
<br />Employee_ Primary Residence
<br />`. •Nationwide `-
<br />: Nationwide
<br />Nationwide
<br />Nationwide
<br />Calendar Year Deductible
<br />.::Enbeddede::; .5
<br />-. .Embedded, �..;;
<br />_ _ _
<br />Embedded
<br />_ _ _ _ _
<br />Em6ed_ded_
<br />------ ---
<br />Individual Family
<br />.51,000: -4zoao -'
<br />$250-, '�" $500 :.`.
<br />-
<br />$1.000 $2,OD0
<br />-----
<br />$250 5500
<br />The Plan Pays
<br />- 100%,
<br />-'100%":
<br />100%
<br />_
<br />100%
<br />Calendar Year Out -of -Pocket Max
<br />--Embeddedr '.
<br />Etabeddedi
<br />Embedded
<br />Embedded_
<br />Individual j Family"-""-
<br />.` '$6,850": .;; kS13,700' " '.
<br />56,850_• ,r $13700'� -
<br />$6.850 $13,700
<br />�__ 56,850 $13,70D
<br />Physician & Emergency Care
<br />Preventive Care
<br />Covered 100%.
<br />'.CoVereB100% ''
<br />Covered 100%
<br />Covered 100%
<br />Urgent Care
<br />.530 Cop 'y-," _ �,
<br />" 530,Ggpliy;`
<br />$30 Copay
<br />$30 Copay
<br />Emergency Room (In or out of network)
<br />S500Cepaj/`, `
<br />is 55l>0 GtiR@Y„
<br />$500 Copay.
<br />$500 Copay
<br />Hospitalization & Outpatient Care
<br />_
<br />Inpatient
<br />'t'DadudBNe "
<br />525,OPerAdmisBieri;DaAuctible
<br />Deductible
<br />Per Admission Deductible
<br />Outpatient
<br /><f_DedJcbble":+
<br />DedUed6(e;
<br />___ _
<br />Deductible
<br />_$250
<br />Deductible
<br />Physician Fees
<br />,iDedudt$19, '
<br />r De�lUcbble.
<br />Deductible
<br />Deductible
<br />Independent Facility Care
<br />Labs
<br />Cp1i'erad'I09`>G.
<br />'CoveredlpQ.1•g
<br />Covered 100%
<br />Covered 100%
<br />X-rays
<br />P
<br />Covered 100%
<br />Covered 100%
<br />Complex Diagnostic Imaging
<br />4
<br />$154 eopay't.,
<br />-V SIR C pay
<br />$150 Copay
<br />$150 Copay
<br />Prescription Drugs
<br />Tien
<br />S,7nC11aYt3.$ .>.a -
<br />$7Copay.';
<br />$7Copay
<br />$7Copay
<br />Tier
<br />COW
<br />epay!i,
<br />$25 Copay.
<br />$25 Copay
<br />Tier 3
<br />;;;SqQ CPISeY. ; , t, . - >
<br />+t .t a ;.:-_'(t $40 GdRta "
<br />$40 Copay
<br />$40 Copay
<br />Specialty (GH, Self Injectable. etc.)
<br />Appl(cabreQoa$jjQr>r, , _ _ '
<br />> ri4pp{kab(e?COtlC,ShafE
<br />Applicable Coat Share
<br />_
<br />Applicable Cost Share
<br />Retail Mail Order- 90 day supply
<br />;�;: ,,. , 25Xfail".,: r, ,5 ,�,
<br />'. _ , ,, 2:6Xratall Copay;p„�„?,
<br />2.5x retail copay
<br />2.5x retail Copay
<br />a
<br />Deductible Individual I Family
<br />`1' ;` i t �. kt ,
<br />3$YODpi, .`<a..:'$2g00'
<br />$1,000 S2,000
<br />The Plan Pays
<br />N/A
<br />60%/40%
<br />Out of Pocket Max
<br />:
<br />$13.7P0._ rt,.-:S2i,400, ''
<br />$13.700 $27,400
<br />Balance Billing
<br />a,.. ,
<br />Yea .
<br />Yes
<br />n
<br />Employee
<br />'- 105% ", -:';
<br />100%'""
<br />- 105% -
<br />100%
<br />Employee + Spouse
<br />-. 8D%
<br />76%' -
<br />80%
<br />76 %
<br />Employee + Child(ran)
<br />Employee + Family
<br />82%;
<br />79%
<br />82%_
<br />73% 70%
<br />_
<br />73 %
<br />70%
<br />Brown & Brown Insurance, Inc.
<br />748
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