Your Health

Make the most of your healthcare benefits by understanding your coverage options, taking advantage of available resources and making informed benefit choices during Open Enrollment and throughout the year.

How your Medical Coverage works

As a UnitedHealthcare medical plan member, you have all the tools and resources you need to take charge of your health.

Your Medical Plan Options

Plexus offers 2 high deductible health plans that include a tax-advantaged health savings account (HSA), as well as a traditional medical plan:

Consumer Choice 2000
Consumer Choice 4000*
CMP

To see how the 3 plans compare, download the medical plan grid. While our plans differ in how costs are shared, they work in much the same way.

1. Your Deductible

You pay 100% until your deductible is met. Network preventive care is covered 100% and not subject to the deductible. For the CMP plan, you pay a copay for some expenses, including doctor visits and prescriptions.

2. Your Coinsurance

Once you meet your deductible, the plan will begin to pay a share and you will pay a share of expenses. You’ll always pay less when you stay in the network. If you go out of the network, you pay more.

3. Your Out-of-Pocket Maximum

Once you reach your out-of-pocket maximum, the plan will pay 100% of eligible expenses for the rest of the year.

Your HSA

If you enroll in a Consumer Choice plan, Plexus will contribute $650 for individual coverage or $1,000 for family coverage. Company contributions are made on a per-paycheck basis and will be pro-rated. Be sure to elect the HSA in Workday in order to receive the Plexus contribution.

*If you enroll in the Consumer Choice 4000 medical plan, you will automatically be enrolled in Basic Critical Illness insurance at no additional cost based on your medical coverage level.
Plexus pays the premium, but will withhold tax for the premium amount to ensure any benefit received is tax-free. This will appear on your paycheck as Critical Illness imputed income.

If you have family coverage, your deductible and out-of-pocket maximum in the CMP plan work differently from the deductible and out-of-pocket maximum in the Consumer Choice plans.

In a Consumer Choice plan, your family’s combined health care costs are used to meet one deductible and out-of-pocket maximum. However, in the CMP plan, an individual deductible and out-of-pocket maximum applies to each family member:

If a family member meets the $1,500 network deductible, the plan will pay benefits for that specific person at the applicable coinsurance rates. Further expenses for that person will not count toward the plan’s family deductible.
The rest of the family will meet the deductible if 2 or more family members accumulate an additional $3,000 in expenses for a total of $4,500.
Each family member has an individual out-of-pocket maximum of $4,000 in network.

Healthcare can get expensive. Fortunately, there are some simple things you can do to keep costs down and get the care you need (without sacrificing quality).

Get Preventive Care
Take advantage of 100% coverage when you use network providers for annual physicals, immunizations and preventive care. See what types of preventive care may be right for you.
Stay in the Network
You’ll always pay less when you use UnitedHealthcare network providers. Find network providers on myuhc.com.
Use Premium Care Physicians
These doctors are known for delivering quality, cost-effective care. To choose smart, look for 2 blue hearts next to doctors’ names on myuhc.com.
Compare Costs
Avoid unexpected surprises. The amount you pay for care depends on the provider you choose. Use the cost estimator tool on myuhc.com to compare costs (and even price shop) before you get care, so you know what to expect.
Know Where to Go for Care
In a true emergency, call 911 or go to the nearest emergency room. For everything else, you’ll save time and money by exploring your options. Not sure? Call 1-844-210-5456 to speak with a UnitedHealthcare Advocate who can help you decide.