Health Benefits
Be healthy. Choose wisely.
Your Medical Plan Options
Your medical plan options will be offered through two of the three following insurance carriers—Anthem, Aetna and UnitedHealthcare—depending on where you live. When you select a plan to enroll in, you will also select which carrier you want to administer your plan. The carrier options for your location were chosen based on the favorable pricing they offer and to give you more flexibility.
Please note: If you live in California, you will also have Kaiser HMO options. If you live in Puerto Rico, you will have access to Anthem.
$1,500 Deductible Plan | $2,500 Deductible Plan | $6,550 Deductible Plan
The $1,500 Deductible Plan, $2,500 Deductible Plan and $6,550 Deductible Plan are designed to encourage you to know your treatment options and the cost implications of your choices. These plans offer you the ability to open a tax-free Health Savings Account (HSA) so you can budget for and manage your out-of-pocket costs, while saving on income taxes. Money in your HSA can be carried forward from year to year and is always yours to keep.
If you select the $1,500 Deductible Plan or the $2,500 Deductible Plan, Kindred will contribute to your HSA to help cover your expenses. Kindred contributions will be made to your HSA on a per-pay-period basis up to an annual maximum of $150 for single coverage or $300 for dependent coverage.
Compatible with: Health Savings Account (HSA)
Compatible with: Limited Purpose FSA
$800 Deductible Plan | $4,500 Deductible Plan
These options are Preferred Provider Organization (PPO) plans. You pay for the cost of your care until you reach the plan deductible, then the plan begins sharing the cost of covered services. An out-of-pocket maximum limits the amount you’ll have to pay in a single year.
Compatible with: Healthcare Flexible Spending Account (FSA)
Plan Features
All of these medical plans include:
- Free in-network preventive care. Services like annual physicals, immunizations and routine cancer screenings are fully covered at 100%. That means you pay nothing.
- Annual deductible. You pay for initial medical costs until you meet your annual deductible.
- Coinsurance. Once the deductible is met, you and the plan share any further health expenses until you meet your out-of-pocket maximum. This is known as coinsurance.
- Out-of-pocket maximum. The plan protects you by capping the total amount you’ll pay each year for medical care. Once you meet your out-of-pocket maximum, the plan pays 100% of your eligible expenses for the rest of the year.
Anthem: Go to www.anthem.com. (Anthem National PPO - BlueCard PPO Network; Blue Cross Blue Shield of GA Blue Open Access POS Network for employees in GA)
Aetna: Go to www.aetna.com. (Aetna Choice POS II Network; Aetna Premier Care Network)
UnitedHealthcare: Go to www.myUHC.com. (UnitedHealthcare Choice Plus Network; UnitedHealthcare Choice Plus with Harvard Pilgrim Network for employees in MA and NH)
Or call the Kindred HUB at 800.991.6171 to ask specific questions.
Need help with the terms on this page? Use this fun, interactive tool to learn important definitions.
Or call the Kindred HUB at 800.991.6171 to ask specific questions.
Your specific benefit costs per pay period will be displayed as you’re enrolling on the Kindred Benefits Marketplace website. Please note these will be displayed as the Healthy Rewards Rate. If you do not complete the Healthy Rewards requirements, your rate will increase by $75 or $110 per month depending on your coverage tier. Click here for more information on how to earn and retain the discounted Healthy Rewards Rate.