2027 MEDICAL & PHARMACY · 2027 SBCs available
YOUR 2027 MEDICAL & PHARMACY BENEFITS
Care starts with clarity.
Compare your three medical options, premiums and HSA funding.
Compare your 2027 coverage, premiums and HSA funding below.
Find a medical provider.
Search UnitedHealthcare’s Choice Plus network for doctors, hospitals and other medical providers. Select Choice Plus when choosing your medical network.
Your medical options, side by side.
In-network highlights for the 2027 plan year. Amounts below show what you pay for covered services. Annual amounts are per calendar year.
| Benefit / service | Choice Plus Option 1 | Choice Plus Option 2 | HSA Choice Plus Option 3 (HDHP) |
|---|---|---|---|
| Annual deductibleIndividual / family | $2,500 / $5,000 | $4,000 / $8,000 | $3,500 / $7,000Updated for 2027 |
| Out-of-pocket maximumIndividual / family | $4,500 / $9,000 | $5,000 / $10,000 | $5,000 / $10,000 |
| Your coinsuranceAfter deductible | 30% | 30% | 20% |
| Preventive careCovered preventive services | No charge | No charge | No charge |
| Primary care visitTo treat an injury or illness | $30 copay; no deductible | $35 copay; no deductible | 20% after deductible |
| Specialist visitNo referral required | $60 copay; no deductible | $70 copay; no deductible | 20% after deductible |
| Urgent carePer visit | $60 copay; no deductible | $70 copay; no deductible | 20% after deductible |
| Emergency roomEmergency care | $250 copay; no deductible | $350 copay; no deductible | 20% after deductible |
| Diagnostic testsX-rays and blood work | 30% after deductible | 30% after deductible | 20% after deductible |
| Advanced imagingCT / PET scans and MRIs | 30% after deductible | 30% after deductible | 20% after deductible |
| Outpatient surgeryFacility and physician / surgeon fees | 30% after deductible | 30% after deductible | 20% after deductible |
| Hospital stayFacility and physician / surgeon fees | 30% after deductible | 30% after deductible | 20% after deductible |
| Emergency transportationAmbulance | 30% after deductible | 30% after deductible | 20% after deductible |
| Outpatient mental healthStandard outpatient visits* | $30 copay; no deductible | $35 copay; no deductible | 20% after deductible |
| Retail prescriptions: Tier 1Up to a 31-day supply | $10 copay; no deductible | $10 copay; no deductible | 20% after deductible |
| Retail prescriptions: Tier 2Up to a 31-day supply | $35 copay; no deductible | $35 copay; no deductible | 20% after deductible |
| Retail prescriptions: Tier 3Up to a 31-day supply | $70 copay; no deductible | $70 copay; no deductible | 20% after deductible |
| Mail-order prescriptionsUp to a 90-day supply; Tier 1 / 2 / 3 | $25 / $88 / $175 copays; no deductible | $25 / $88 / $175 copays; no deductible | 20% after deductible |
| Specialty prescriptionsSpecialty retail; not covered through mail order | 25%, up to $250; no deductible | 25%, up to $250; no deductible | 20% after deductible |
Choice Plus Option 1View plan details
- Annual deductibleIndividual / family
- $2,500 / $5,000
- Out-of-pocket maximumIndividual / family
- $4,500 / $9,000
- Your coinsuranceAfter deductible
- 30%
- Preventive careCovered preventive services
- No charge
- Primary care visitTo treat an injury or illness
- $30 copay; no deductible
- Specialist visitNo referral required
- $60 copay; no deductible
- Urgent carePer visit
- $60 copay; no deductible
- Emergency roomEmergency care
- $250 copay; no deductible
- Diagnostic testsX-rays and blood work
- 30% after deductible
- Advanced imagingCT / PET scans and MRIs
- 30% after deductible
- Outpatient surgeryFacility and physician / surgeon fees
- 30% after deductible
- Hospital stayFacility and physician / surgeon fees
- 30% after deductible
- Emergency transportationAmbulance
- 30% after deductible
- Outpatient mental healthStandard outpatient visits*
- $30 copay; no deductible
- Retail prescriptions: Tier 1Up to a 31-day supply
- $10 copay; no deductible
- Retail prescriptions: Tier 2Up to a 31-day supply
- $35 copay; no deductible
- Retail prescriptions: Tier 3Up to a 31-day supply
- $70 copay; no deductible
- Mail-order prescriptionsUp to a 90-day supply; Tier 1 / 2 / 3
- $25 / $88 / $175 copays; no deductible
- Specialty prescriptionsSpecialty retail; not covered through mail order
- 25%, up to $250; no deductible
Choice Plus Option 2View plan details
- Annual deductibleIndividual / family
- $4,000 / $8,000
- Out-of-pocket maximumIndividual / family
- $5,000 / $10,000
- Your coinsuranceAfter deductible
- 30%
- Preventive careCovered preventive services
- No charge
- Primary care visitTo treat an injury or illness
- $35 copay; no deductible
- Specialist visitNo referral required
- $70 copay; no deductible
- Urgent carePer visit
- $70 copay; no deductible
- Emergency roomEmergency care
- $350 copay; no deductible
- Diagnostic testsX-rays and blood work
- 30% after deductible
- Advanced imagingCT / PET scans and MRIs
- 30% after deductible
- Outpatient surgeryFacility and physician / surgeon fees
- 30% after deductible
- Hospital stayFacility and physician / surgeon fees
- 30% after deductible
- Emergency transportationAmbulance
- 30% after deductible
- Outpatient mental healthStandard outpatient visits*
- $35 copay; no deductible
- Retail prescriptions: Tier 1Up to a 31-day supply
- $10 copay; no deductible
- Retail prescriptions: Tier 2Up to a 31-day supply
- $35 copay; no deductible
- Retail prescriptions: Tier 3Up to a 31-day supply
- $70 copay; no deductible
- Mail-order prescriptionsUp to a 90-day supply; Tier 1 / 2 / 3
- $25 / $88 / $175 copays; no deductible
- Specialty prescriptionsSpecialty retail; not covered through mail order
- 25%, up to $250; no deductible
HSA Choice Plus Option 3 (HDHP)View plan details
- Annual deductibleIndividual / family
- $3,500 / $7,000Updated for 2027
- Out-of-pocket maximumIndividual / family
- $5,000 / $10,000
- Your coinsuranceAfter deductible
- 20%
- Preventive careCovered preventive services
- No charge
- Primary care visitTo treat an injury or illness
- 20% after deductible
- Specialist visitNo referral required
- 20% after deductible
- Urgent carePer visit
- 20% after deductible
- Emergency roomEmergency care
- 20% after deductible
- Diagnostic testsX-rays and blood work
- 20% after deductible
- Advanced imagingCT / PET scans and MRIs
- 20% after deductible
- Outpatient surgeryFacility and physician / surgeon fees
- 20% after deductible
- Hospital stayFacility and physician / surgeon fees
- 20% after deductible
- Emergency transportationAmbulance
- 20% after deductible
- Outpatient mental healthStandard outpatient visits*
- 20% after deductible
- Retail prescriptions: Tier 1Up to a 31-day supply
- 20% after deductible
- Retail prescriptions: Tier 2Up to a 31-day supply
- 20% after deductible
- Retail prescriptions: Tier 3Up to a 31-day supply
- 20% after deductible
- Mail-order prescriptionsUp to a 90-day supply; Tier 1 / 2 / 3
- 20% after deductible
- Specialty prescriptionsSpecialty retail; not covered through mail order
- 20% after deductible
* Partial hospitalization and intensive outpatient mental health treatment use coinsurance: 30% after deductible for Options 1 and 2; 20% after deductible for Option 3. Services performed in addition to an office visit can have separate cost sharing.
Certain preventive medications are covered at no charge. Drug lists, pharmacy requirements, prior authorization, limits, and exclusions apply. Specialty drugs are not covered through mail order.
Your 2027 prescription drug list.
Review the UnitedHealthcare Flex Base 3-Tier Prescription Drug List, effective January 1, 2027.
View the 2027 prescription drug list (PDF) →
70 pages · Drug lists are subject to change. Your plan’s coverage and pharmacy rules apply.
Your medical premium and HSA funding.
Employees are paid biweekly. Insurance premiums are deducted from 24 paychecks each year. No insurance premium is deducted from the third paycheck in a month with three pay dates.
Medical premiums
Per benefit deduction · 24 deductions per year
| Coverage tier | Option 1 PPO | Option 2 PPO higher deductible | Option 3 CDHP / HDHP |
|---|---|---|---|
| Employee only | $107.82 | $56.94 | $36.24 |
| Employee + spouse | $446.42 | $313.10 | $179.40 |
| Employee + child(ren) | $380.27 | $260.20 | $148.85 |
| Employee + family | $742.48 | $462.08 | $295.43 |
A $50 monthly nicotine surcharge applies where applicable. Contact the ERC about cessation support.
HSA funding that goes with Option 3.
Rippling administers the 2027 HSA. Eligible employees must enroll in Option 3 and elect the Rippling HSA to receive company funding.
| 2027 annual amount | Employee-only coverage | Coverage with dependents |
|---|---|---|
| Momentive contribution | Up to $1,000 | Up to $1,500 |
| Employee contribution after standard company funding | $3,500 | $7,500 |
| Total annual contribution limit | $4,500 | $9,000 |
Momentive deposits $41.66 employee-only / $62.50 with dependents each paycheck when a benefit deduction occurs, up to the annual amounts above. An additional $1,000 catch-up contribution may be available at age 55 or older, subject to eligibility.
Eligibility and annual contribution rules apply. HSA funds roll over; the account remains yours.
Summary of Benefits & Coverage
2027 plan documents. Download the Summary of Benefits & Coverage for each plan below. Coverage period: January 1–December 31, 2027.
This comparison summarizes selected benefits and does not include every coverage rule, limitation, exclusion, or preauthorization requirement. Premiums, noncovered services, balance billing, and applicable penalties do not count toward the out-of-pocket maximum. Official plan documents govern coverage.
Benefits questions? Start with the ERC.
Contact the Higginbotham Employee Response Center for benefits information, enrollment help, eligibility questions, and claims or billing questions.
Monday–Friday, 6:00 a.m.–5:00 p.m. EST
Messages left after 2:00 p.m. ET will be returned the next business day.
Bilingual representatives are available.
The information on this website summarizes the benefits offered by Momentive Software. If there is a difference, the official plan documents govern.