Medical

Asurion offers three medical plan options so you can choose one that best meets the needs of your health and wallet.

Prescription coverage is included with all our medical plans.

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UnitedHealthcare Medical Plan Options

United Essential PPO plan

The United Essential PPO plan 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 plan 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
Paycheck premiums	Copayments (Copays)	Deductible	Healthcare savings
Log in to the ABC to see premiums for each medical plan based on coverage level	Primary: $30 Specialist: $50	Employee only: $4,000 Family: $8,000	Flexible Spending Account annual limit Employee only: $3,300
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 plan shares the cost of your care Coinsurance: 20% Your percentage of the cost of care that is shared with the plan after you meet the deductible	Pre-tax 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

What you pay to have coverage

What you pay when you need care

What you save for future healthcare needs

Paycheck premiums

Copayments (Copays)

Deductible

Healthcare savings

Log in to the ABC to see premiums for each medical plan based on coverage level

Primary: $30
Specialist: $50

Employee only: $4,000
Family: $8,000

Flexible Spending Account
annual limit
Employee only: $3,300

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 plan shares the cost of your care
Coinsurance: 20%
Your percentage of the cost of care that is shared with the plan after you meet the deductible

Pre-tax 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. The United Essential PPO plan offers you the same doctors as the United Enhanced PPO plan, but with lower premiums and a higher deductible.

United CDHP with HSA plan

The United CDHP with HSA plan 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 pre-tax Health Savings Account.

Your Cost

How much you’ll pay for a medical plan 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
Paycheck premiums	Copayments (Copays)	Deductible	Healthcare savings
Log in to the ABC to see premiums for each medical plan based on coverage level	You must pay the total cost of your service until you reach the deductible	Employee only: $2,500 Family: $5,000	Health Savings Account annual limit¹ Employee only: $4,400 Family: $8,750
Your per-paycheck cost		Deductible: The amount you have to reach before the plan shares the cost of your care Coinsurance: 20% Your percentage of the cost of care that is shared with the plan after you meet the deductible	Pre-tax payroll contributions Company matching contribution from Asurion builds your account balance faster 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

What you pay to have coverage

What you pay when you need care

What you save for future healthcare needs

Paycheck premiums

Copayments (Copays)

Deductible

Healthcare savings

Log in to the ABC to see premiums for each medical plan based on coverage level

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

Employee only: $2,500
Family: $5,000

Health Savings Account
annual limit¹
Employee only: $4,400
Family: $8,750

Your per-paycheck cost

Deductible: The amount you have to reach before the plan shares the cost of your care
Coinsurance: 20%
Your percentage of the cost of care that is shared with the plan after you meet the deductible

Pre-tax payroll contributions
Company matching contribution from Asurion builds your account balance faster
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

Smart Considerations

A Health Savings Account is available only with the United CDHP with HSA plan because it is a consumer-driven health plan (CDHP).

CONTRIBUTIONS

are pre-tax (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 United CDHP with HSA plan probably will not be a good fit.

United Enhanced PPO plan

The United Enhanced PPO plan 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 plan 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
Paycheck premiums	Copayments (Copays)	Deductible	Healthcare savings
Log in to the ABC to see premiums for each medical plan based on coverage level.	Primary: $25 Specialist: $50	Employee only: $1,000 Family: $2,000	Flexible Spending Account annual limit Employee only: $3,300
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 plan shares the cost of your care Coinsurance: 20% Your percentage of the cost of care that is shared with the plan after you meet the deductible	Pre-tax 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

What you pay to have coverage

What you pay when you need care

What you save for future healthcare needs

Paycheck premiums

Copayments (Copays)

Deductible

Healthcare savings

Log in to the ABC to see premiums for each medical plan based on coverage level.

Primary: $25
Specialist: $50

Employee only: $1,000
Family: $2,000

Flexible Spending Account
annual limit
Employee only: $3,300

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 plan shares the cost of your care
Coinsurance: 20%
Your percentage of the cost of care that is shared with the plan after you meet the deductible

Pre-tax 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

Comparing Plans

The chart below compares the three UnitedHealthcare plans.
If you live in one of the six regions served by Kaiser, check out the three plans available to you.

Compare your paycheck premiums for Asurion’s 2026 healthcare plans at different coverage levels.
Contact the ABC for the access code.

	United Essential PPO	United CDHP with HSA¹	United Enhanced PPO
CLOSEST 2025 PLAN	bronze	silver	gold
Deductible (Rx + Medical) Individual \| Family	$4,000 \| $8,000	$2,500 \| $5,000	$1,000 \| $2,000
Coinsurance	20%	20%	20%
Maximum Out-of-Pocket (Rx + Medical) Individual \| Family	$8,000 \| $16,000	$5,000 \| $10,000¹	$3,500 \| $7,000
Office Visits PCP \| Specialist	$30 \| $50 No deductible	Deductible, then coinsurance	$25 \| $50 No deductible
Labs, X-rays, Advanced Radiology, Hospital Services (inpatient or outpatient)	Deductible, then coinsurance	Deductible, then coinsurance	Deductible, then coinsurance
Urgent Care	$60; no deductible	Deductible, then coinsurance	$50; no deductible
Emergency	$300, then deductible/coinsurance	Deductible, then coinsurance	$300, then deductible/coinsurance
PRESCRIPTIONs
1. Generic 2. Preferred Brand 3. Non-preferred Brand 4. Specialty (non weight loss) 5. GLP-1 for weight loss	1. $10 2. $30 3. $50 4. $100 5. $150	$0 Preventive; otherwise, deductible, then coinsurance	1. $10 2. $30 3. $50 4. $100 5. $150
Healthcare Flexible Spending Account Available?	Yes	Yes, for dental and vision expenses only	Yes
Health Savings Account Available?	No	Yes	No
Company Matching Contributions?	No	Yes	No

¹The CDHP features a true family deductible, which means that if you cover any dependent(s), the full Family deductible must be met before coinsurance begins for any covered individual. The annual maximum out-of-pocket amount works the same way; no covered individual will be deemed to have met the out-of-pocket maximum until the Family limit is met.
²In accordance with the Affordable Care Act, all plan options offer $0 ACA Preventive Drugs. For 2026, the CDHP will expand $0 coverage to include additional HSA-approved preventive generic prescriptions. The specific medications included on the preventive list can be found on the insurance carrier’s website.

This information serves as a Summary of Material Modifications (SMM) to the Asurion Health & Welfare Benefits Plan (the “Plan”). It is intended to inform you of important changes that have been made to the Plan and supplements the information provided in your current Summary Plan Description (SPD). Please keep your SPD handy for future reference.

Medical Coverage Perks

Real Appeal

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OnePass

Choose a membership tier that fits your lifestyle and provides everything you need for whole body health in one easy, affordable physical fitness and total body wellbeing plan. (Note: Some state restrictions apply.)

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Medical

UnitedHealthcare Medical Plan Options

Smart Considerations