2025 Overview

What’s New for 2025

• Available now! Paytient helps you spread the cost of your health care over time with manageable, interest-free payment plans. Use your Paytient Health Payment Account (HPA) toward covered expenses and pay for your out-of-pocket costs upfront, then repay your Paytient account over time via convenient paycheck contributions. Sign up.
• Your Money Line is designed to help you tackle any financial challenge with online resources and unlimited sessions with certified financial advisors. Learn more.
• We are enhancing our benefits through Wellthy to include more parenting support and access to coaches and specialists.
• Maven through UHC is a major new replacement for our current medical maternity support programs. Maven offers a wider range of personalized maternity support, and makes greater use of technology to connect you to this support through its digital family health platform.

Medical Overview

Here is a quick summary of the main features of our Medical plans.

Medical Plans

We are offering four Medical plan options, with each covering preventive care at 100% when you use an in-network provider:

• UnitedHealthcare PPO 1500/3000
• UnitedHealthcare PPO HSA 2250/4500
• UnitedHealthcare EPO HSA 4000/8000
• Surest Zero-Deductible plan

UHC Plan Overview

Each UnitedHealthcare plan has its own set of copays, deductibles, out-of-pocket maximums and coinsurance.

• The PPO HSA and EPO HSA are HSA-eligible plans, meaning that you can contribute to a Health Savings Account (HSA) and use it to pay for health care expenses with tax-free dollars. For 2025, you will be able to save up to $4,300 for self-only coverage and up to $8,550 if you cover any family members.
• For the PPO HSA Plan only, AI Fire will contribute $500 to your HSA when you enroll in individual coverage or $1,000 when you enroll in family coverage. (Note: This contribution from AI Fire counts toward your 2025 contribution limit of $4,300 for self-coverage, or $8,550 for family coverage.)
• The two HSA plans continue to offer a Core Plus Preventive Drug List, which means you do not have to meet a deductible before filling a prescription for preventive drugs included on the list.
• For the PPO and PPO HSA plans, you can use in-network and out-of-network providers. Keep in mind, you will typically pay lower costs when you use in-network providers.

Surest Zero-Deductible Plan Overview

The Surest Zero-Deductible plan has a $0 deductible, with copays for each Medical service, treatment and prescription, except for preventive services which are covered at 100%. A key feature of the Surest plan is that you can use the Surest app to find out the cost of services in advance, so you can consider treatment options and compare costs from different providers. When you’re enrolled, you can visit the Surest member page to register and set up your profile, and download the Surest ap, as well as check prices, compare treatment options, and find an in-network provider. You can also schedule virtual visits and receive on-demand care from a physician who can prescribe medications for you. Learn how to identify if your doctor’s office participates in the Surest network. View the most commonly asked questions about the Surest plan. Note: You cannot use an HSA with the Surest plan.

Supplemental Hospital, Accident and Critical Illness for purchase

You may purchase these voluntary benefits to supplement your Medical plan coverage. They provide you with additional financial protection, by paying you a benefit if you become hospitalized, injured in an accident or are diagnosed with certain critical illnesses or health conditions.

Learn more about these programs:

• Hospital Indemnity Insurance*
• Accident Insurance
• Critical Illness Insurance (with increased skin cancer benefit effective January 1, 2025)

*This is a government-required notice:
IMPORTANT: AI Fire offers hospital indemnity insurance as a fixed indemnity policy; this is NOT health insurance. If you are considering purchasing this policy, please read this notice in its entirety. 

Dental Overview

We offer two dental PPO plan options through UnitedHealthcare, the Base Plan and the Buy-Up Plan. Diagnostic/preventive services are covered at 100% under both plan options.

Dental Plans

Benefits under each plan are the same whether you use an in-network or out-of-network dentist. However, you will generally pay less when you use an in-network UnitedHealthcare dentist, because they agree to charge you a negotiated rate.

The Base option costs less for coverage and has a lower annual maximum benefit.

The Buy-Up option, which costs more for coverage, includes orthodontia benefits, higher coverage on certain procedures, the Flex Appeal® feature (enhanced benefits to protect the health of your teeth and gums) and Consumer MaxMultiplier® (which rewards you up to $600 for getting regular dental checkups). Note that the annual benefit maximum for the Buy-Up Plan has increased to $2,000 for 2025. 

2025 Monthly Dental Rates

Vision Overview

We offer Vision coverage through UnitedHealthcare. You can receive exams, lenses, frames, and contact lenses once per year. Children under 12 and pregnant or breastfeeding plan participants are eligible for two exams per year.

If you see an out-of-network provider, UnitedHealthcare will reimburse you up to a certain limit. The Vision plan also provides discounts on additional glasses, contact lenses, and hearing aids.

Note the following changes to Vision benefits in 2025:

• In-network frame allowance increase from $150 to $180.
• In-network copay for materials (eyeglasses, and contact lenses in place of eyeglasses) decrease from $25 to $10.
• The plan now covers retinal scanning.

2025 Monthly Vision Rates

One Pass fitness and wellness program

One Pass is a subscription-based fitness and wellness program that helps you live a healthier lifestyle. It offers you access to thousands of gyms nationwide, online workout classes, personalized coaching, grocery delivery services and more. Available to all employees. 

One Pass offers five membership levels available to fit your needs and budget. Learn more and visit onepassselect.com.

Note that fees charged by One Pass may be subject to change in 2025.