Medical Benefits

In previous plan years, participants enrolled in the Health Savings Plan had $0 cost-sharing for virtual visits due to funding provided through the government’s Consolidated Appropriations Act of 2023. Effective January 1, 2025, Health Savings Plan participants will be subject to deductible and coinsurance costs.

Discount Tire Michigan only, Tire Rack, and Dunn Tire Employees: There will be a carrier change for the medical and pharmacy benefit for employees enrolled in or newly electing BCBS medical plans. Changes to your coverage for the 2025 benefit year are shown in blue.

UNITED HEALTHCARE COVERAGE IS OFFERED TO EMPLOYEES AT DISCOUNT TIRE (ALL STATES EXCEPT MICHIGAN), ELLISVILLE, AND SUBURBAN TIRE.

Selecting the right medical plan takes careful consideration. For most full-time employees, the Company offers medical plan options through United Healthcare (UHC); these plans include pharmacy benefits through OptumRx. Qualified Essential Coverage (QEC) eligible part-time employees may enroll in the Health Savings Plan.

You have 24/7 access to your UHC account information at www.myuhc.com. You can also use the site to find medical and pharmacy providers, place orders with the Mail Service Pharmacy, request new cards and print temporary cards. If you haven’t signed up already, create your account today.

Recently hired or promoted to full-time? Learn more about your coverage choices through the Company’s plans through UHC below and via our Pre-Member Website.

 

Preventive Care at No Cost

With either plan option, in-network preventive care is usually covered with no cost sharing, including well child, routine physicals, OB/GYN exams, mammograms and prostate exams. Costs will only be incurred if additional non-preventive lab work is requested. Also, many prescription medications are considered preventive and are also covered with no cost sharing. Call the member number on your Medical Plan ID card to find out which preventive medications and services are covered at no cost.

UHC Overview Video:


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Choice Plus Plan / Options Plan (available to Full-Time employees only)

  • Coverage through the Choice Plus Plan (Options Plan in Wisconsin) is a more traditional health care option with a deductible, set co-pays and coinsurance amounts.
  • With the Choice Plus Plan, you have the option to elect the Flexible Spending Account (FSA).
  • Prescription costs are not counted towards the annual deductible; co-pays apply.

Health Savings Plan (available to Full-Time and Qualified Essential Coverage (QEC) eligible part-time employees)

  • The Health Savings Plan is a medical plan with a Health Savings Account (HSA).
  • The Company contributes to your HSA once your medical benefits go into effect: $500 for individual / $1,000 for family. Plus, you can contribute to your HSA tax free.
  • Use your HSA money to pay your out of pocket health care expenses. All medical and prescription costs are applied to your deductible; after you meet the deductible, the plan covers 80% with 20% employee coinsurance.
  • With the Health Savings Plan, full-time employees have the option to elect the Flexible Spending Account (FSA), but may only use FSA funds to pay for dental and vision expenses. FSA funds cannot be used to pay for medical expenses when enrolled in the Health Savings Account.
  • Your HSA goes where you go! Even if you change jobs, switch health plans, or retire, your HSA is yours—you own it, and the money carries over from year to year.

Medical Plan Choice UHC Choice Plus/Options Plan
Full-Time Only
UHC Health Savings Plan
Full-Time and QEC
Company Contribution to Your HSA
Individual/Family (Does not apply) $500/$1,000 ∑
Annual Deductible In-Network Out-of-Network ∆ In-Network Out-of-Network ∆
Individual/Family $700/$2,100 $2,000/$5,000 $2,000/$4,000 Ω $4,000/$8,000 Ω
Maximums
Out-of-Pocket: Individual/Family $3,500/$7,000 $7,000/$16,000 $3,500/$7,000 $7,000/$14,000
Lifetime Maximum Unlimited Unlimited Unlimited Unlimited
Co-pays:
Preventive Care        
Routine physicals, immunizations, and more! 100% Not Covered 100% Not Covered
Get rewarded for your Annual Physical! See the Physician Affidavit form
Physician’s Services: Sickness and Injury        
Virtual Visit – Medical – via myuhc.com FREE N/A 80%* N/A
Physician Office Visit $20/visit 60%* 80%* 60%*
Specialist Office Visit $40/visit 60%* 80%* 60%*
Mental Health / Substance / Addiction        
Virtual Visit – Telemental Health – via myuhc.com $20/visit 60%* 80%* 60%*
Inpatient 80%* 60%* 80%* 60%*
Outpatient $20/visit 60%* 80%* 60%*
Emergency Care        
Urgent Care $40/visit 60%* 80%* 60%*
Emergency Room $200 $200 80%* 80%*
Tests        
Lab, X-Ray and Major Diagnostics (CT, PET, MRI, MRA and Nuclear Medicine) – Outpatient 80%* 60%* 80%* 60%*
Hospital Care        
Inpatient / Outpatient Care and Surgery 80%* 60%* 80%* 60%*
Maternity Care        
Prenatal Visit $40 first visit; $0 after 60%* 80%* 60%*
Postnatal Visits/Surgery 80%* 60%* 80%* 60%*
Specialty Care        
Acupuncture (max 20 visits per year) $40/visit 60%* 80%* 60%*

* = After deductible
∑ = The Company funds your HSA on the day Medical Benefits go into effect.
Ω = The Health Savings Plan requires the FULL family deductible (e.g. $4,000 for in network) be met if you have enrolled any dependents.
∆ = When you receive out-of-network care, the plan covers its percentage up to the Reasonable and Customary (R&C) limit after you satisfy the Annual Deductible. You pay the remaining percentage up to the R&C limit plus any amount above the R&C limit.

State of Illinois – Ten Essential Health Benefits

Summary of group health benefits – 2024

 

OptumRx Pharmacy Benefits

Visit our UHC Pharmacy Copay page for cost comparisons.

Consider home delivery for your 90-day prescriptions; it’s easy to get started! Request a prescription from your doctor for a three-month supply, with refills for up to one year (if appropriate), then contact OptumRx to fill your prescription.

  • Cost savings: With free standard shipping, the average savings is 50% or more when compared to retail pharmacy pricing.
  • 24/7 access to pharmacists
  • By fax / ePrescribe: Ask your doctor to call 1-800-791-7658 for instructions on how to fax your 90-day prescription directly to OptumRx Mail Service Pharmacy. Or your doctor can send an electronic prescription to OptumRx Mail Service Pharmacy.
  • Online: Log in or register at  www.myuhc.comand select Manage My Prescriptions.
  • By phone: Call the Advocate4Me phone number on the back of your plan ID card to talk with a customer service representative. It’s helpful to have your plan ID card and medication bottle available. The representative can also contact your doctor directly if you need a new prescription.
  • Maximum convenience and peace of mind

 

Additional United Healthcare Information

UnitedHealthcare creates and publishes the Machine-Readable Files on behalf of Discount Tire.

To link to the Machine-Readable Files, please click on the URL provided:  transparency-in-coverage.uhc.com 

BLUE CROSS BLUE SHIELD COVERAGE IS OFFERED TO EMPLOYEES AT DISCOUNT TIRE LOCATED IN MICHIGAN, TIRE RACK AND DUNN TIRE.

Effective January 1, 2025, Blue Cross Blue Shield of Illinois (BCBSIL) will be our carrier for Medical and Pharmacy Insurance and the website and contact information will be changing. Everyone enrolled for the 2025 plan year will be sent a new medical card that will be used for medical and pharmacy services.

Medical plans are provided through Blue Cross Blue Shield Highmark. Qualified Essential Coverage (QEC) eligible part-time employees may enroll in the Health Savings Plan only.

You have 24/7 access to your BCBS account information at myhighmark.com.

 

Preventive Care at No Cost

With either plan option, in-network preventive care is usually covered with no cost sharing, including well child, routine physicals, OB/GYN exams, mammograms and prostate exams. Costs will only be incurred if additional non-preventive lab work is requested. Also, many prescription medications are considered preventive and also covered with no cost sharing. 

 
PPO Plan (available to Full-Time employees only)

  • Coverage through the PPO Plan is a more traditional health care option with a deductible, set co-pays and coinsurance amounts.
  • With the PPO Plan, you have the option to elect the Flexible Spending Account (FSA).
  • Prescription costs are not counted towards the annual deductible; co-pays apply.

 
Health Savings Plan (available to Full-Time and Qualified Essential Coverage (QEC) eligible part-time employees)

  • The Health Savings Plan is a medical plan with a Health Savings Account (HSA).
  • The Company contributes to your HSA at the beginning of the plan year: $500 for individual / $1,000 for family. Plus, you can contribute to your HSA tax free.
  • Use your HSA money to pay your out of pocket health care expenses. All medical and prescription costs are applied to your deductible; after you meet the deductible, the plan covers 80% with 20% employee coinsurance.
  • With the Health Savings Plan, full-time employees have the option to elect the Flexible Spending Account (FSA), but may only use FSA funds to pay for dental and vision expenses. FSA funds cannot be used to pay for medical expenses when enrolled in the Health Savings Account.
  • Your HSA goes where you go! Even if you change jobs, switch health plans, or retire, your HSA is yours—you own it, and the money carries over from year to year.

CVS Caremark Pharmacy Benefits
Effective January 1, 2025, pharmacy coverage will be administered through BCBSIL’s Prime Therapeutics. Everyone enrolled for the 2025 plan year will be sent a new medical card that will be used for medical and pharmacy services.

Pharmacy coverage is provided though CVS Caremark. The pharmacy network is not exclusive to CVS and includes all major chains and most independent pharmacies. For a list of in-network pharmacies near you, use the pharmacy locator on caremark.com. You will receive separate benefit cards for medical and pharmacy.

Visit our BCBS Pharmacy Copay page for cost comparisons.

 

Medical Plan Choice BCBS PPO Plan
Full-Time Only
BCBS Health Savings Plan
Full-Time and QEC
Company Contribution to Your HSA
Individual/Family (Does not apply) $500/$1,000 ∑
Annual Deductible In-Network Out-of-Network ∆ In-Network Out-of-Network ∆
Individual/Family $700/$2,100 $2,000/$5,000 $2,000/$4,000 Ω $4,000/$8,000 Ω
Maximums
Out-of-Pocket: Individual/Family $3,500/$7,000 $7,000/$16,000 $3,500/$7,000 $7,000/$14,000
Lifetime Maximum Unlimited Unlimited Unlimited Unlimited
Co-pays:
Preventive Care        
Routine physicals, immunizations, and more! 100% Not Covered 100% Not Covered
Get rewarded for your Annual Physical! See the Physician Affidavit form
Physician’s Services: Sickness and Injury        
Virtual Visit – Medical – via myhighmark.com. FREE N/A 80%* N/A
Physician Office Visit $20/visit 60%* 80%* 60%*
Specialist Office Visit $40/visit 60%* 80%* 60%*
Mental Health / Substance / Addiction        
Virtual Visit – Telemental Health – via myhighmark.com  $20/visit 60%* 80%* 60%*
Inpatient 80%* 60%* 80%* 60%*
Outpatient $20/visit 60%* 80%* 60%*
Emergency Care        
Urgent Care $40/visit 60%* 80%* 60%*
Emergency Room $200 $200 80%* 80%*
Tests        
Lab, X-Ray and Major Diagnostics (CT, PET, MRI, MRA and Nuclear Medicine) – Outpatient 80%* 60%* 80%* 60%*
Hospital Care        
Inpatient / Outpatient Care and Surgery 80%* 60%* 80%* 60%*
Maternity Care        
Prenatal Visit $40 first visit; $0 after 60%* 80%* 60%*
Postnatal Visits/Surgery 80%* 60%* 80%* 60%*
Specialty Care        
Acupuncture (max 20 visits per year) $40/visit 60%* 80%* 60%*

* = After deductible
∑ = The Company funds your HSA on the day Medical Benefits go into effect.
Ω = The Health Savings Plan requires the FULL family deductible (e.g. $4,000 for in network) be met if you have enrolled any dependents.
∆ = When you receive out-of-network care, the plan covers its percentage up to the Reasonable and Customary (R&C) limit after you satisfy the Annual Deductible. You pay the remaining percentage up to the R&C limit plus any amount above the R&C limit.

BlueCross BlueShield creates and publishes the Machine-Readable Files on behalf of Discount Tire.

To link to the Machine-Readable Files, please click on the URL provided: mrfdata.hmhs.com

 

Discount Tire Michigan only, Tire Rack, and Dunn Tire Employees: The way BCBS participants access virtual visits will be changing when the new carrier goes into effect on January 1, 2025. See the Health and Wellness flyer included with your Benefits Guide for details.

A virtual visit— Medical or Telemental Health lets you see and talk to a doctor from your mobile device or computer. UnitedHealthcare (UHC) and Blue Cross Blue Shield Highmark (BCBS)  offer virtual visits as a provider choice for Discount Tire employees enrolled in medical benefits.

You have a choice of different provider groups depending on your plan’s virtual visit network. The cost of your visit will vary depending on your plan and whether the visit is Medical or Telemental Health. Check your plan documents for more information about you plan’s specific costs.

Virtual Visits – Medical – for sickness or injury

  • Available to all members of any of the UHC/BCBS plans above for certain non-emergency medical conditions like the flu, colds, pink eye, rashes and fevers.
  • See and talk to a doctor from your mobile device or computer from a network of virtual provider groups.
  • Providers are expected to deliver care within 30 minutes or less from the time you put in a request for a visit.
  • UHC participants (Discount Tire employees in all states but Michigan and Suburban Tire): Visit the Virtual Visits – Medical page for more information
  • BCBS participants (Discount Tire Michigan, Tire Rack, Dunn Tire): Visit the Virtual Visits – Medical BCBS page for more information 

Virtual Visits – Telemental Health – for behavioral health

  • Convenient appointments that may fit your lifestyle.
  • The care you need sooner.
  • Secure technology meets or exceeds HIPPA security standards.
  • See and talk to a doctor from your mobile device or computer from a network of virtual provider groups.
  • UHC participants (Discount Tire employees in all states but Michigan and Suburban Tire): Visit the UHC – Telemental Health  page for more information
  • BCBS participants (Discount Tire Michigan, Tire Rack, Dunn Tire): Visit the BCBS – Telemental Health page for more information
 
Don’t wait until you throw your back out or have a 102° fever to sign up for Virtual Visits! Sign up now via your healthcare plan website to easily access virtual visits when you need them.