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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.
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.
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.
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.
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.
To link to the Machine-Readable Files, please click on the URL provided: transparency-in-coverage.uhc.com
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.
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.
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.
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
Virtual Visits – Telemental Health – for behavioral health
Additional Documents:
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