Medical Plan Options

We’re excited to offer medical plans that provide you and your family with the care you need at a price that fits your budget.

Preferred Provider Organization (PPO)

Flexibility is key with PPO plans. You can choose between in-network or out-of-network providers for each visit, but you’ll save more by sticking to the in-network doctors.

Health Savings Account (HSA) Plan

HDHPs offer coverage for both in-network and out-of-network providers. You’ll need to meet a higher deductible before your plan kicks in, but you may qualify for a Health Savings Account, your trusty tool for paying certain medical expenses tax-free.

Note: If you are a 3508 Sales Representative, you are eligible to enroll in either HSA medical plan. However, due to IRS regulations, you do not qualify to open the pre-tax Health Savings Account associated with this plan.

Health Maintenance Organization (HMO)

HMO plans are your all-in-one health team. They cover in-network providers only, with a primary care physician coordinating your care and referrals. You’ll pay copays at the time of service, ensuring you get the care you need at budget-friendly costs. These plans are exclusively available in California.

Which Plan Is Right for Me?

When picking a medical plan for you and your family, it’s not just about the premiums taken from your paycheck. You also need to think about what you’ll pay out of pocket for services. Each plan covers preventive screenings in full, but they differ in deductibles, copays, and coinsurance. This means you might end up paying more with one plan than another. Look for a plan that covers most of your needs with out-of-pocket costs that meet your budget.

Note: All plans utilize the UHC/UMR Choice Plus Network of providers.

Benefit	PPO Choice Plus Low	PPO Choice Plus High	HSA Choice Plus Low	HSA Choice Plus High	HMO Alliance	HMO Harmony
Annual deductible to satisfy	✓	✓	✓	✓	✓	✓
Copayment for services	✓	✓			✓	✓
Coinsurance for services	✓	✓	✓	✓
Lower cost per paycheck		✓		✓		✓
In-network coverage	✓	✓	✓	✓	✓	✓
Out-of-network coverage	✓	✓	✓	✓
Eligible to enroll in HSA			✓*	✓*
Must select a primary care physician					✓	✓
UHC/UMR Choice Plus Network	✓	✓	✓	✓	✓	✓
Referrals needed for specialists					✓	✓

*If you are a 3508 Sales Representative, you are eligible to enroll in either HSA medical plan. However, due to IRS regulations, you do not qualify to open the pre-tax Health Savings Account (HSA).

Deciding Factors

Consider how often you visit the doctor, what prescriptions you need, and your budget. Then ask yourself these questions:

Premium: How much will I pay out of my paycheck? Remember: With the Medical Premium Discount, PPO & HSA Plan participants can earn a 15% (or more!*) discount on medical premiums by registering with Quantum Health, engaging with Rx Savings Solutions, and completing a virtual primary care visit with First Stop Health.
Network: How often do I go to the doctor and is my doctor available on this plan?
Deductible, Copays, and Coinsurance: How much do I have to pay before insurance kicks in?
Cost Savings: Does the plan come with anything to help me pay less? (Hint: Think free HSA money or Accident & Hospital insurance.)

*HSA Choice Plus High plan members can save up to 35%, if they are enrolled in Employee Only coverage.

One Pass Select

All Renovo medical plans give you access to One Pass Select, a program to help you meet your fitness goals. With membership tiers to fit your lifestyle, you’ll find everything you need for whole body health. Choose from discounts at a large nationwide network of gyms, or workout at home with live or on-demand fitness classes. You can also get groceries and household essentials delivered straight to your door. To learn more about registration and costs, visit OnePassSelect.com or click on the document to the right.

First Stop Health

All PPO and HSA plan members can access FREE virtual care through First Stop Health. Speak with a primary care physician, specialist, or mental health expert—at no cost to you. Download the First Stop Health app or visit firststophealth.com to get started.

Free Health Coaching

Free health coaching through Quantum Health gives you one-on-one support to reach your wellness goals, from eating better to reducing stress to getting more active. You’ll get personalized advice, helpful tools, and ongoing encouragement, all confidential and at no cost. Download the Quantum Health app to get started.

Save on Premiums

Looking to save on your medical coverage? Here’s the scoop: With the Medical Premium Discount, PPO & HSA Plan participants can earn a 15% (or more!*) discount on premiums when you register with Quantum Health, engage with Rx Savings Solutions (click to learn how!), and complete a virtual primary care visit with First Stop Health. If you complete the Medical Premium Discount requirements by September 15, 2025, you’ll save 15% (or more!*) on your medical premium, beginning October 1, 2025.

Note: The premium discount is awarded on a quarterly basis. You must have met requirements by the 15^th of the month, prior to the new quarter, to be eligible.

Additionally, your Medical Premium Discount won’t appear in ADP. After meeting the requirements, you’ll see a “MED INCENTIVE” credit under Deductions, on your first paycheck after the effective date.

*HSA Choice Plus High plan members can save up to 35%, if they are enrolled in Employee Only coverage.

Questions?

Connect with a Quantum Health Care Coordinator at 866-920-1980.

Wondering if it’s worth it?

Check out the charts below to see the difference between the Standard Rate and the Medical Premium Discount.

Standard Rates vs. Medical Premium Discount Rates You must register with Quantum Health, engage with Rx Savings Solutions (click here to learn how!) and complete a virtual primary care visit with First Stop Health to receive the 15% (or more!) premium discount. Complete all Medical Premium Discount requirements by September 15, 2025, to receive the rate starting October 1, 2025. (Available only to PPO and HSA plan participants.) HSA Choice Plus High plan members can save up to 35%, if they are enrolled in Employee Only coverage.
Bi-Weekly Standard Rate / Medical Premium Discount Rate
Plan	Employee Only	Employee + Spouse	Employee + Child(ren)	Employee + Family
PPO Low	$188.48 / $160.20	$405.48 / $344.65	$413.86 / $351.78	$727.06 / $618.00
PPO High	$156.60 / $133.11	$329.97 / $280.48	$341.16 / $289.98	$617.44 / $524.82
HSA Low	$144.29 / $122.65	$325.5 / $276.67	$316.55 / $269.07	$587.24 / $499.15
HSA High	$54.92 / $35.65	$160.14 / $136.12	$195.93 / $166.54	$281.58 / $239.35
Harmony HMO CA Only	$51.66	$237.75	$172.15	$385.35
Alliance HMO CA Only	$72.32	$306.12	$226.30	$485.40

Annual Savings with Medical Premium Discount
Plan	Employee Only	Employee + Spouse	Employee + Child(ren)	Employee + Family
PPO Low	$735.06	$1,581.35	$1,614.07	$2,836.53
PPO High	$640.73	$1,286.89	$1,330.52	$2,408.02
HSA Low	$562.74	$1,269.44	$1,234.55	$2,290.24
HSA High	$501.36	$624.54	$764.13	$1,098.18