CDHP Plan
Administered by: UnitedHealthcare
Take charge of your spending through lower premiums, higher deductibles, and a tax-free /Health/Savings-Spending-Accounts#HealthSavingsAccount (with contributions from Caliber) that you own for life.
Overview
Our benefits program includes medical plan options with a range of coverage levels and costs, so you can choose the one that’s best for you. You can enroll as a new hire, during Open Enrollment, or if you have a qualifying life event. To see your premiums and enroll, log in to the Acme Enrollment website.
2025 medical plans
PPO Plan
Administered by: UnitedHealthcare
Reduce your out-of-pocket costs when you need care through a lower deductible and higher premiums.
PPO2 Plan
Administered by: UnitedHealthcare
Enjoy greater predictability of costs through copays for doctor’s visits and prescriptions, along with a low deductible and higher premiums.
HMO Plan
Administered by: Kaiser Permanente
Receive coverage for in-network care only, coordinated by your primary care provider (PCP).
Key features at a glance
All our medical plans provide:
Comprehensive, affordable coverage
for a wide range of health care services. Tip: If you need extra protection from large or unexpected medical expenses, you may also choose to enroll in supplemental medical coverage.
Free in-network preventive care,
with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.
Prescription drug coverage
included with each medical plan. Prescription benefits are provided by OptumRx.
Financial protection
through annual out-of-pocket maximums that limit the amount you’ll pay each year.
Save money
Access health resources
Plan Comparison
[Table Format Option A]
| CDHP Plan | PPO Plan | PPO2 Plan | HMO Plan | |
|---|---|---|---|---|
| HSA features | ||||
| HSA-eligible | Yes | No | No | No |
| Company contribution to HSA | $500 | None | None | None |
| Annual deductible (individual/family) | ||||
| In-network | $2,850/$5,700 | $900/$1,800 | $750/$1,500 | $400/$800 |
| Out-of-network | $5,700/$11,400 | $1,800/$3,600 | $1,500/$3,000 | N/A |
| Coinsurance | ||||
| In-network | You pay 30%, plan plays 70% | You pay 20%, plan plays 80% | You pay 10%, plan plays 90% | You pay 10%, plan plays 90% |
| Out-of-network* | You pay 40%, plan pays 60% | You pay 40%, plan pays 60% | You pay 40%, plan pays 60% | N/A |
| Annual out-of-pocket maximum (individual/family) | ||||
| In-network | $5,500/$11,000 | $3,000/$6,000 | $3,000/$6,000 | $2,000/$4,000 |
| Out-of-network | $11,000/$22,000 | $6,000/$12,000 | $6,000/$12,000 | N/A |
| Medical care: Your costs | ||||
| Preventive care | Covered at 100% in-network, so you pay nothing | |||
| Office visit (primary care) | ||||
| In-network | You pay 30% after deductible | You pay 20% after deductible | $30 copay | $20 copay |
| Out-of-network | You pay 40% after deductible | You pay 40% after deductible | You pay 40% after deductible | N/A |
| Office visit (specialist) | ||||
| In-network | You pay 30% after deductible | You pay 20% after deductible | $40 copay | $20 copay |
| Out-of-network | You pay 40% after deductible | You pay 40% after deductible | You pay 40% after deductible | N/A |
| Telemedicine visit (in-network only) | ||||
| You pay 30% after deductible | You pay 20% after deductible | $20 copay | $20 copay | |
| Urgent care visit | ||||
| In-network | You pay 30% after deductible | You pay 20% after deductible | $50 copay | $30 copay |
| Out-of-network | You pay 40% after deductible | You pay 40% after deductible | You pay 40% after deductible | N/A |
| Emergency room visit (in- and out-of-network) | ||||
| In- and out-of-network | You pay 30% after deductible | You pay 20% after deductible | $150 copay | $50 copay |
| Prescriptions: Your costs | ||||
| 30-day supply (retail pharmacy) | ||||
| Generic | 30% after deductible (deductible waived for some medications) | 20% after deductible (deductible waived for some medications) | 20% (min $10/max $20)** | $10** |
| Formulary | 30% after deductible (deductible waived for some medications) | 20% after deductible (deductible waived for some medications) | 20% (min $25/max $50)** | $30** |
| Nonformulary | 30% after deductible (deductible waived for some medications) | 20% after deductible (deductible waived for some medications) | 45% (min $40/max $80)** | $60** |
| 90-day supply (mail order or retail pharmacy) | ||||
| Generic | 30% after deductible (deductible waived for some medications) | 20% after deductible (deductible waived for some medications) | 30% (min $25/max $50)** | $25** |
| Formulary | 30% after deductible (deductible waived for some medications) | 20% after deductible (deductible waived for some medications) | 30% (min $62.50/max $125)** | $75** |
| Nonformulary | 30% after deductible (deductible waived for some medications) | 20% after deductible (deductible waived for some medications) | 45% (min $100/max $200)** | $150** |
*Out-of-network benefits are based on reasonable and customary charges.
** Deductible does not apply.
[Table Format Option B]
| PPO Plan | CDHP Plan | HMO Plan | |||
|---|---|---|---|---|---|
| In-Network | Out-of-Network | In-Network | Out-of-Network | In-Network Only | |
| Annual deductible (calendar year) | $250 individual
$500 family |
$500 individual
$1,000 family |
$1,350 individual
$2,750 family |
$2,750 individual
$5,000 family |
None |
| Coinsurance | 80% | 60% | 90% | 70% | None |
| Annual out-of-pocket maximum (calendar year) | $2,000 individual
$4,000 family |
$4,000 individual
$8,000 family |
$2,600 individual
$5,000family |
$5,000 individual
$10,000 family |
$2,000 individual
$4,000 family |
| Caliber contribution to HSA | N/A | $500/year for individual coverage
$1,000/year for family coverage |
N/A | ||
| Physician services: Your costs | |||||
| Preventive care | Covered 100%* | You pay 40% | Covered 100%* | You pay 30% | Covered 100% |
| Primary care office visit | $15 copay* | You pay 40% | You pay 40% | You pay 30% | $20 copay |
| Specialist office visit | $15 copay* | You pay 40% | You pay 10% | You pay 30% | $20 copay |
| Telemedicine visit | $15 copay* | You pay 40% | You pay 10% | You pay 30% | $20 copay |
| Lab/X-ray | $15 copay* | You pay 40% | You pay 10% | You pay 30% | No copay |
| Imaging (CT/MRIs) | $15 copay* | You pay 40% | You pay 10% | You pay 30% | $100 copay per type of scan |
| Physical therapy — up to 20 visits/calendar year | $15 copay* | You pay 40% | You pay 10% | You pay 30% | $20 copay |
| Chiropractic — up to 20 visits/calendar year | $15 copay* | You pay 40% | You pay 10% | You pay 30% | $15 copay |
| Durable medical equipment | You pay 20% | You pay 40% | You pay 10% | You pay 30% | No copay |
| Hospital services: Your costs | |||||
| Inpatient | You pay 20% | You pay 40% | You pay 10% | You pay 30% | $100 per day (5-day maximum)** |
| Outpatient | You pay 20% | You pay 40% | You pay 10% | You pay 30% | $250 copay |
| Emergency room | $150 copay | $150 copay | You pay 10% | You pay 10% | $100 copay (waived if admitted) |
| Ambulance | You pay 20% | You pay 20% | You pay 10% | You pay 10% | No copay |
| Urgent care | $25 copay* | $25 copay* | You pay 10% | You pay 10% | $25 copay |
| Mental health care: Your costs | |||||
| Inpatient | You pay 20% | You pay 40% | You pay 10% | You pay 30% | $100 per day (5-day maximum)** |
| Outpatient | $15 copay* | You pay 40% | You pay 10% | You pay 30% | $25 copay |
| Prescription drugs: Your costs | |||||
| Retail pharmacy (30-day supply) | |||||
| Generic | $10* | Not covered | $15 | Not covered | $10 |
| Formulary | $20* | Not covered | $40 | Not covered | $20 |
| Nonformulary | $40* | Not covered | $60 | Not covered | $40 |
| Mail order (90-day supply) | |||||
| Generic | $20* | Not covered | $30 | Not covered | $20 |
| Formulary | $40* | Not covered | $80 | Not covered | $40 |
| Nonformulary | $80* | Not covered | $120 | Not covered | $80 |
*Deductible does not apply
**Semi-private room
***Pre-authorization required
Find your best match
The Acme Enrollment website will clearly show the costs and coverage for each plan, making it easy to decide which one fits your needs and budget. And, if you want to receive expert guidance, you can answer a few simple questions to see a personalized "best match" package of benefits based on your needs and preferences.
Blue Cross Blue Shield (BCBS) Plans
The CDHP Plan pairs low-premium, high-deductible coverage with a tax-free /Health/Savings-Spending-Accounts#HealthSavingsAccount that helps you save money and plan ahead for future medical expenses. This combination gives you more control over your money and rewards you for making healthy, cost-conscious choices.
As an added bonus, Caliber will contribute to your HSA — $500 for employee-only coverage or $1,000 if you cover dependents. With this plan, you can see any provider you wish, but you will pay less when you stay in network.
How the CDHP Plan works
You pay the plan premium from your paycheck to have coverage.
HSA
You can set aside tax-free money from your paycheck and receive company contributions to help cover your costs — now, or in the future.
Deductible
You pay 100% of your medical and prescription costs until you meet the annual deductible.*
Coinsurance
After meeting the deductible, you and the plan share the cost of covered medical care and prescriptions, with the plan paying the majority.
Out-of-Pocket Maximum
You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.**
Use your HSA to save money and plan ahead!
Contributing to your HSA is a great way to budget for deductibles and other out-of-pocket expenses while also saving money — your HSA contributions are tax-free!*
Keep in mind:
- The CDHP Plan costs you less from your paycheck, so you may have extra money available to put in your HSA.
- You can only spend HSA money that’s actually been deposited into your account. If you don’t have enough money in your HSA when you need it, you can pay another way and reimburse yourself later so you take full advantage of your HSA’s tax savings.
- You will never forfeit any money left in your HSA — it rolls over year after year. If you know about future expenses or want to save for your health care costs in retirement, set aside a little extra each paycheck so your balance can grow over time.
- You can change your HSA contribution amount throughout the year as needed to keep up with any changes in your situation.
- You can pair your HSA with a tax-free Combination Flexible Spending Account (FSA) to save even more.
*Contributions are not subject to federal tax. However, HSA contributions are currently subject to state tax in AL, CA, and NJ. Consult with your tax advisor to understand the potential tax consequences of enrolling in an HSA. Money in an HSA can be withdrawn tax-free as long as it is used to pay for qualified health-related expenses. If money is used for ineligible expenses, you will pay ordinary income tax on the amount withdrawn, plus a 20% penalty tax if you withdraw the money before age 65.
Kaiser HMO Plans
The HMO Plan plan provides coverage only when you receive care from providers within the HMO network. Your primary care provider (PCP) will coordinate your care to help manage costs.
How the HMO Plan works
You pay the plan premium from your paycheck to have coverage.
Copay
You pay a small fee at the time of service for doctor visits and prescriptions. Copays do not count toward your deductible.
Deductible
For care that doesn’t charge a copay, such as hospital services, you pay 100% of your medical costs until you meet the annual deductible.
Coinsurance
After meeting the deductible, you and the plan share the cost of covered medical care and prescriptions, with the plan paying the majority.
Out-of-Pocket Maximum
You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.
Do you have a PCP?
With an HMO, you’re required to select a primary care provider (PCP) who will manage your care and provide referrals if you need to see a specialist. Find a doctor
Save money with an FSA!
A Health Care Flexible Spending Account (FSA) lets you take advantage of tax-free savings when paying for health care. But, be sure to plan your FSA contributions carefully: you can only carry over up to $500 of unused money in your FSA to the next year; you will forfeit any remaining amount above $500.
Programs & Resources
Take advantage of these valuable programs and resources to better manage your health and financial well-being.
Teladoc
You have access to medical advice from board-certified physicians 24/7, 365 days a year through your plan’s telemedicine service. Teladoc offers you fast, convenient diagnosis and treatment for many common conditions through video consult on your smartphone or computer. Visit the Teladoc website to enroll or learn more.
Nurseline
Nurses are available to answer your health questions and help you get the most out of your medical plan — confidentially and at no cost to you. Your nurse can guide you to the right care for a health problem; coordinate services before, during, and after a hospital stay; or support you while you work toward a health goal. Call 1-800-123-4567 to reach a nurse.
Health Advocate
Get free, personalized assistance to help you navigate the health care system, from understanding claims to choosing providers and negotiating fees. Available to you and your family members, this service can save you time and money. Visit the Health Advocate website or call 1-800-123-4567.
Castlight
This online health care resource helps you shop for doctors, prescriptions, and medical services. Using Castlight, you can compare costs and quality information before you book an appointment, which helps you find the best care at the best price. You also can use Castlight to review your past medical spending and save on future care by receiving customized tips. Visit the Castlight website or call 1-800-123-4567.
Best Doctors®
You have access to the best medical minds in the world through Best Doctors. At no cost to you, you can request:
- An in-depth review of your medical case by an experienced specialist.
- Expert advice about medical treatment.
- Assistance finding specialists near you.
If you’re facing a medical challenge, contact Best Doctors at 1-800-123-4567 or visit the Best Doctors website.
Livongo
The Livongo diabetes management program is available to medical plan members diagnosed with diabetes. Receive a smart touchscreen glucose meter that automatically uploads readings and provides personalized tips, as well as unlimited test strips and support from coaches.
Medical plan tools
Visit your medical plan website to find a doctor, compare costs, manage claims, and more.
Prescription tools
Visit your prescription plan website to order or refill prescriptions, sign up for home delivery, and more.
HSA/FSA tools
Visit your tax-advantaged account website to manage your HSA or FSA accounts online, use calculators, and more.
- HSA – Visit the Optum Bank website
- FSA – Visit the WageWorks website
Find a Doctor
Using in-network providers saves you money. Here’s how to find doctors in your medical plan network.
UnitedHealthcare
- Visit the UnitedHealthcare website.
- Click on “Find a Provider” and follow the prompts.
Kaiser Permanente
- Visit the Kaiser Permanente website.
- Click on “Find a Provider” and follow the prompts.
Look up providers on the Acme Enrollment website
Beginning [date], you can also use the Provider Lookup tool on the Acme Enrollment website to easily find in-network doctors.
- Follow the enrollment prompts until you get to the Choose your Medical plan page.
- Click on Find a Doctor or Hospital on the left side of the page. This launches the Provider Lookup tool.
- Enter your ZIP code.
- Enter your search criteria to find the type of provider you're looking for.
- You can narrow your results by choosing a specific distance, network, specialty, language, hospital affiliation, group affiliation, city, county, or gender. You can also choose to show only providers who are accepting new patients.
Don’t have a personal doctor? You should. Here’s why.
- Better health. Getting the right health screenings each year can reduce your risk for many serious conditions. Preventive care is free, so there’s no excuse to skip it.
- A healthier wallet. Having a doctor you can call helps you avoid costly trips to the emergency room and decide when you really need to see a specialist.
- Peace of mind. Advice from someone you trust ... it means a lot when you’re healthy, but it’s even more important when you’re sick. Your personal doctor gets to know you and your health history and can help coordinate any care you need.
Money-Saving Tips
When you think about the financial impact of your health care choices, you can help lower costs for yourself and the entire company. Get the most from your medical benefits by following these tips to be well and buy smart:
- Use in-network providers. They’ve agreed to charge only up to negotiated rates and bill your insurance company directly, which saves you money and time. Also, check with your insurance company to ensure that a service is covered before you receive care. Note: If you’re enrolling in an HMO plan (if available in your area), the plan only pays benefits for care received in network.
- Keep up with preventive care. It’s covered in full by all of our medical plans and can help detect and prevent potentially costly health issues early. You pay nothing for annual physicals, recommended immunizations, routine cancer screenings, and more when you see in-network providers.
- Use tax-free money to pay for eligible health expenses. Contributing to a Health Savings Account (HSA) or a Health Care Flexible Spending Account (FSA) is easy and saves you money. You can set aside before-tax dollars from your paycheck to use for out-of-pocket costs. Keep in mind that with an HSA, you can only spend contributions that have actually been deposited into your account. And with an FSA, you can only carry over up to $500 of unused money in your FSA to the next year; you will forfeit amounts above $500.
- Shop smart for prescriptions. Using generic alternatives will almost always save you money — and they’re just as effective as brand-name prescriptions. Also, try calling a few local pharmacies to compare prices before deciding where to fill a prescription. For your ongoing prescriptions, use the home-delivery service to save money and time.
- Take advantage of the Caliber wellness program. It offers valuable resources to help you improve your health, which could prevent the need for costly care. Plus, you’ll earn rewards when you participate in wellness activities!
- Use your plan’s website. Log in to the UnitedHealthcare website to see how much of your deductible you’ve met, review claims, find in-network providers, use helpful cost-estimating tools, and more.
- Choose the right place to get care. Facilities charge different amounts for the same services, so think about your options when you or a family member needs medical attention. Use the guide below to help you save money and choose the most appropriate care for your situation.
| Telemedicine | Doctor’s office | Urgent care clinic | Emergency room |
|---|---|---|---|
| Use it for | |||
| A common, non-emergency medical issue that can be diagnosed by phone or online | A condition that doesn’t need immediate attention and can wait until the next day | A condition that needs immediate care but is not life- or limb-threatening | A life-threatening or potentially crippling condition that needs immediate attention |
| Examples | |||
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| Cost | |||
| You pay: $ | You pay: $ | You pay: $$ | You pay: $$$ |
| Find it | |||
| Teladoc | Call your regular doctor or search for an in-network provider on your medical plan carrier’s website | Search for urgent care clinics near you at urgentcarelocations.com | Call 911 or search online for the nearest hospital |