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
$900 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.
Review this chart or call the Kindred Benefits Marketplace Call Center at 866.435.5231 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 Benefits Marketplace Call Center at 866.435.5231 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 that rates reflect your current wellness program participation. If you're unsure if you are currently receiving the Healthy Rewards Rate or Basic Rate, you can find this information as you're enrolling on the Kindred Benefits Marketplace website. Click here for more information on how to earn and retain the discounted Healthy Rewards Rate.