2025 Medical Plans
Momentive Software provides comprehensive medical coverage through United Healthcare (UHC). Eligible employees can choose between three health plan options based on the needs of you and your family. All three plans use the same UHC Choice Plus network, with over a million participating providers nationwide.
Plan Option 1 is a traditional plan, with copays for office visits and prescription drugs. It offers the lowest copay and deductible, but also has the highest associated premium. Plan Option 2 also includes copays for office visits and prescriptions but has slightly higher office visit copays. This plan has a higher deductible than Option 1 and has a lower monthly premium.
Option 3 is a Qualified High Deductible Health plan, also known as a Consumer Directed Health Plan (CDHP). The CDHP is paired with a Health Savings Account (HSA), allowing members to save pre-tax funds to pay for qualified medical, dental, and vision expenses. On the CDHP, you pay more of the cost of medical services until you’ve met your deductible, though you will always receive the significant UHC network discount for all in-network care. Because you are taking on more of the responsibility for your care, premiums are less than the traditional plans.
Eligible employees who elect the CDHP may also elect to have a Health Savings Account opened for them with Optum Bank. For employees enrolled in the Option 3 CDHP with employee-only coverage who elect the HSA, Momentive Software will deposit up to $1,000 per year into their HSA, in equal contributions each pay period, to assist with qualified medical expenses. For those enrolled in the same benefits who cover dependents, Momentive will deposit up to $1,500 per year into their HSA, also in equal contributions each pay period. For more information about the HSA, please click here.
To learn more about each medical plan offered by Momentive Software, please click on the plan summaries available in the Medical Resources section of this page. You can also view the plan comparison chart below.
Pharmacy Benefits
Like all medical carriers, UHC uses a Prescription Drug Formulary (PDF) to indicate covered medications and the associated coverage tiers. The UHC PDF is available by clicking on the appropriate link on the right side of this page.
UHC also covers certain preventive drugs at no cost. These drugs are indicated by the letter “H” in the “Requirements and Limits” column of the drug formulary.
Network Providers
To search for participating network providers near you, please go to https://connect.werally.com/plans/uhc. Once on the page, click on “Employer and Individual Plans”, then “Shopping around.” Finally, select the “Choice Plus” network. On the next page, you can enter your zip code and search for providers by name, type, condition, and more.
Medical Resources
- UHC Mobile App/Digital ID Card
- Option 1 PPO Benefit Summary
- Option 1 PPO Summary of Benefits & Coverage
- Option 2 PPO Benefit Summary
- Option 2 PPO Summary of Benefits & Coverage
- Option 3 CDHP Benefit Summary
- Option 3 CDHP Summary of Benefits & Coverage
- UHC Preferred Drug List / Formulary
- Finding Care and Healthcare Costs
- UHC Telehealth Information
- One Pass Select Fitness Program
- Virtual Behavioral Coaching
- Child and Family Behavioral Coaching
- Self Care by Calm
- Quit For Life Tobacco Cessation Program
- Optum Bank Mobile App
- Optum HSA User Guide
- Optum HSA FAQ
- Optum HSA Investing
- HSA Eligible Expenses
- HSA Contribution Calculator
- HSA Transfer Form
- Domestic Partner Affidavit
- Your Rights and Protections Against Surprise Medical Billing
Premium Surcharges
Nicotine Surcharge
A nicotine surcharge of $50 per month will apply to all employees who are currently users of nicotine in any form. Employees have the opportunity to eliminate this surcharge by participating in and completing the UHC Quit for Life Program. The Quit for Life tobacco cessation program is provided at no cost to employees covered on a Momentive medical plan. It includes both telephonic and digital program options, one-on-one support from trained health advocates, workbooks, toolkits and behavioral change aides such as nicotine replacement patches or gum. Additional details can be found in the “Resources” section of this page.
Health Savings Account (HSA)
Employees who enroll in the Option 3 Consumer Directed Health Plan may also elect a Health Savings Account (HSA). Health Savings Account administration is provided through Optum Bank. For those enrolled with employee-only coverage, Momentive will deposit up to $1,000 per year into each HSA, in equal contributions each pay period to assist with qualified medical expenses. For employees with dependent coverage on the Option 3 plan, Momentive will deposit up to $1,500 per year into their HSA in equal contributions each pay period. To be eligible to contribute to or have employer contributions to an HSA you:
- Must be enrolled in an IRS-qualified plan, such as the Option 3 Consumer Directed Health Plan
Cannot have any other health coverage except what is permitted by the IRS
Cannot be enrolled in Medicare, TRICARE or TRICARE for Life
Cannot be claimed as a dependent on someone else’s tax return
Cannot have funds in a Health Flexible Spending Account (FSA). Note that employees who elect Option 3 in 2025 can roll over up to $660 from their FSA into a Limited Purpose FSA, which can be paired with a Health Savings Account
Still Have Some Questions?
