Surest Plan
[Administered by: UnitedHealthcare]
A plan that provides in-network coverage only and gives you predictable costs upfront, with flat copays for services and no deductible to meet before the plan begins to pay.
To support your health and financial wellness, Commvault provides valuable benefits that help you and your family stay healthy, and provide you with financial security by paying for care in the event of illness or injury.
2024 Medical Plans:
Our benefits program includes medical plan options with a range of coverage levels and costs designed to meet the diverse needs of our Vaulters.
Choice Plus Savings Plan
[Administered by: UnitedHealthcare]
A consumer-driven health plan (CDHP) that puts you in charge of your spending with lower premiums and a higher deductible if you need care, compared to the Choice Plus Preferred and Choice Exclusive plans, and a tax-free Health Savings Account (HSA).
Choice Plus Preferred (PPO) Plan
[Administered by: UnitedHealthcare]
A traditional Preferred Provider Organization (PPO) plan that has a lower deductible than the Choice Plus Savings Plan and gives you the flexibility to see an in-network or out-of-network provider.
Choice Exclusive (EPO) Plan
[Administered by: UnitedHealthcare]
An Exclusive Provider Organization (EPO) plan with in-network coverage only through an exclusive network of providers and no annual deductible.
Kaiser HMO (CA only)
[Administered by: Kaiser Permanente]
Generally covers the same services as the other plans but is available from in-network providers only. Available in CA only.
Key features at a glance
All our medical plans provide:
Comprehensive, affordable coverage
that fulfills the requirements of the health care reform law.
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.
Financial protection
through annual out-of-pocket maximums that limit the amount you’ll pay each year.
Save money
Access health resources
| Surest Plan (in-network benefits only) | Choice Plus Savings Plan | Choice Plus Preferred (PPO) Plan | Choice Exclusive (EPO) Plan (in-network benefits only) | Kaiser HMO (CA only) (in-network benefits only) | |
|---|---|---|---|---|---|
| HSA eligible | No | Yes | No | No | No |
| Your costs | |||||
| Preventive doctor’s visit | No cost to you when you see in-network providers — covered at 100% in-network | ||||
| Individual/family deductible | No deductible |
In-network: $2,500/5,000
Out-of-network: $4,000/$8,000
|
In-network: $500/$1,000
Out-of-network: $1,000/$2,000
|
In-network: $250/$500
Out-of-network: N/A
|
In-network: $250/$500
Out-of-network: N/A
|
| Individual/family out-of-pocket maximum | In-network: $3,000/$6,000 Out-of-network: N/A |
In-network: $4,000/$8,000
Out-of-network: $7,000/$14,000
|
In-network: $3,000/$6,000
Out-of-network: $6,000/$12,000
|
In-network: $3,000/$6,000
Out-of-network: N/A
|
In-network: $3,000/$6,000
Out-of-network: N/A
|
| Your coinsurance | In-network: 0% Out-of-network: N/A |
In-network: 15% after deductible
Out-of-network: 40% after deductible
|
In-network: 15%
Out-of-network: 30%
|
In-network: 0%
Out-of-network: N/A
|
In-network: 15%
Out-of-network: N/A
|
| Office visit | In-network: flat copays, providers with higher quality ratings have lower copays Out-of-network: N/A |
In-network: 15% after deductible
Out-of-network: 40% after deductible
|
In-network: $25 primary care; $50 specialist
Out-of-network: 30% after deductible
|
In-network: $20 primary care; $40 specialist
Out-of-network: N/A
|
In-network: $20 primary care; $20 specialist
Out-of-network: N/A
|
| Emergency Room visit |
In-network: 15% after deductible
Out-of-network: 40% after deductible
|
In-network: $150 copay
Out-of-network: $150 copay
|
In-network: $150 copay
Out-of-network: N/A
|
In-network: 15% after deductible
Out-of-network: N/A
|
|
| Inpatient Hospital |
In-network: 15% after deductible
Out-of-network: 40% after deductible
|
In-network: 15% after deductible Out-of-network: 30% after deductible
|
In-network: $300 copay
Out-of-network: N/A
|
In-network: 15% after deductible
Out-of-network: N/A
|
|
| Outpatient Surgery |
In-network: 15% after deductible
Out-of-network: 40% after deductible
|
In-network: 15% after deductible Out-of-network: 30% after deductible
|
$150 copay |
In-network: 15% after deductible
Out-of-network: N/A
|
|
| Retail prescriptions (your cost for a 30-day supply) | |||||
| Generic | Flat copay that depends upon drug tier | 15% after deductible*** | $10 copay | $10 copay | $10 |
| Preferred Brand | $35 copay | $35 copay | $30 | ||
| Non-preferred Brand | $60 copay | $60 copay | 20% after deductible | ||
| Mail order prescriptions (your cost for a 90-day supply) | |||||
| Generic | Flat copay that depends upon drug tier | 15% after deductible*** | $20 copay | $20 copay | $20 |
| Preferred Brand | $70 copay | $70 copay | $60 | ||
| Non-preferred Brand | $120 copay | $120 copay | N/A | ||
*If you cover dependents, the entire family deductible must be met before the plan will begin to pay benefits.
**If you cover dependents, the entire family out-of-pocket maximum must be met before the plan will cover costs at 100% for the remainder of the calendar year.
***Deductible waived for certain preventive medications. Please refer to the Additional Free Preventive Medication List (Choice Plus Savings Plan Only).
The Surest Plan is designed to offer you a simpler health care experience, with a focus on greater clarity around costs of care. This plan provides in-network coverage only and no deductible to meet before the plan begins to pay.
How it works
You pay nothing for in-network preventive care — it’s covered 100%.
Copay
When you search for a provider in the UHC network, you’ll see a range of copays (flat fees for services) for the providers in your area so you know exactly what you’ll pay before you get care. Providers with higher quality ratings have lower copays.
No Deductible
You do not have to meet a deductible for this plan. You’ll pay set copays for medical care and prescriptions until you meet your annual out-of-pocket maximum.
Out-of-Pocket Maximum
You’re protected by an annual limit on costs — once you reach the limit the plan pays 100% of additional covered expenses for the rest of the year.
Digital Experience
Whenever you need care, you’ll visit the Surest app or website to search for your condition, treatment, or procedure to find a provider near you.
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.
Make the most of your coverage
Take advantage of these resources to manage your care and your costs.
The Choice Plus Savings Plan provides you with comprehensive medical coverage while giving you more control over how you spend your health care dollars. The Choice Plus Savings Plan also provides a tax-free Health Savings Account (HSA) to help you save for future expenses.
With the plan, you can choose any in-network or out-of-network provider each time you receive care. But keep in mind: You will generally receive higher benefits when you use in-network providers.
How it works
You pay nothing for in-network preventive care — it’s covered in full.
Plan ahead with your HSA
Set aside tax-free money from your paycheck in the HSA to help cover your costs — now, or in the future.
Deductible
You pay 100% of costs until you meet the annual deductible.
Coinsurance
After meeting the deductible, you and the plan share the cost of covered expenses, with the plan paying 85% and you pay 15%.
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.
Money-saving Tip
Use your HSA to budget for deductibles and other out-of-pocket expenses while also saving money – your HSA contributions are tax-free!
Make the most of your coverage
Take advantage of these resources to manage your care and your costs.
Budgeting for your costs
With the Choice Plus Savings Plan, you do not pay any premiums, but assume more financial responsibility when you receive care. So, it’s important to plan ahead for your out-of-pocket expenses. Here are some ideas to consider:
- Think about your costs. Contribute at least enough to your HSA to cover your expected out-of-pocket costs, such as your annual deductible and coinsurance. Remember — because you’re keeping more of your paycheck by paying no premiums, you may have extra money available to put in your HSA.
- Plan ahead. You can only spend HSA money that’s actually been deposited into your account. Adjust your contributions as necessary during the year to make sure you have money available when you need it. And if you don’t, remember to reimburse yourself later so you take full advantage of your HSA’s tax savings.
- Look long term. You will never forfeit any money left in your HSA — it rolls over year after year. If you know about future expenses — or if you want to save for your health care costs in retirement — set aside a little extra each paycheck so your balance can grow over time.
The Choice Plus Preferred (PPO) Plan offers lower out-of-pocket costs in exchange for the flexibility to see any provider and the highest paycheck contributions.
You can choose any in-network or out-of-network provider each time you receive care. But keep in mind: You will generally receive higher benefits when you use in-network providers.
How it works
You pay nothing for in-network preventive care — it’s covered 100%.
Copay
You pay a small fee at the time of service at doctor visits or when you fill a prescription.
Deductible
You pay a copay or 100% of costs until you meet the annual deductible.
Coinsurance
After meeting the deductible, you and the plan share the cost of certain services, with the plan paying the majority.
Out-of-Pocket Maximum
You’re protected by an annual limit on costs — once you reach the limit the plan pays 100% of additional covered expenses for the rest of the year.
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.
Make the most of your coverage
Take advantage of these resources to manage your care and your costs.
The Choice Exclusive (EPO) Plan provides in-network coverage only and helps you save money through the discounted rates charged by network providers.
How it works
You pay nothing for in-network preventive care — it’s covered in full.
Copay
You pay a small fee at the time of service for doctor visits and prescriptions.
Deductible
You pay a copay or 100% of costs until you meet the annual deductible.
Coinsurance
For care that doesn’t require a copay, the plan pays 100% of the cost of service.
Out-of-Pocket Maximum
You’re protected by an annual limit on costs — once you reach the limit the plan pays 100% of additional covered expenses for the rest of the year.
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.
Make the most of your coverage
Take advantage of these resources to manage your care and your costs.
Available to employees in California only, the Kaiser HMO (CA only) 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 Kaiser HMO (CA only) works
You pay nothing for in-network preventive care — it’s covered 100%.
Copay
You pay a small fee at the time of service for doctor visits and prescriptions.
Deductible
For care that doesn’t charge a copay, such as hospital services, you pay 100% of the costs until you meet the annual deductible.
Coinsurance
After meeting the deductible, you and the plan share the cost of certain services, 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.
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.
When you enroll in a Commvault medical plan, you automatically receive prescription drug benefits through UnitedHealthcare. If you live in California and enroll in the Kaiser HMO, prescription drug benefits will be provided through Kaiser.
Drug Tiers
The cost of your prescription drugs depends on the tier of the medication:
Generic
Generic drugs contain the same active ingredients as their brand-name equivalents and meet the same federal standards for safety, but typically cost significantly less.
Preferred brand
Preferred brand-name prescription medications are favored by a prescription plan based on drug effectiveness and cost.
Nonpreferred brand
Nonpreferred brand-name prescription medications are not on a prescription plan’s favored list (or formulary) based on drug effectiveness and cost. Nonpreferred drugs still may be covered, but may require prior authorization and cost more.
Mandatory Mail Order Service Saver Plus Program
All Vaulters and covered dependents enrolled in a UHC medical plan are required to use home delivery (mail order) if you or your covered dependents take a medication that is used on an ongoing basis. These are considered maintenance medications and must be filled as a 90-day prescription through mail order. After your initial fill plus one refill, you must use mail order or pay 100% of the retail cost.
Why use mail order:
- Prescriptions are shipped to you for free — no waiting in line at the pharmacy.
- You save money with a reduced cost for a three-month supply.
- You can set up automatic refills.
Save money
The cost of prescription drugs is rising faster than many other health care services and supplies. But, there are ways for you to save on your cost of prescriptions.
- Ask your doctor about generic medications. Generic medications are generally just as effective as brand-name medications, yet the cost of generics is substantially lower, both for you and the plan. They typically cost between 30% and 75% less than brand-name drugs.
- Use the plan’s mail order feature. If you regularly take medication to treat a chronic condition — such as an allergy, heart disease, high blood pressure, or diabetes — the mail order prescription program is a convenient and money-saving option for you.
- Save money with Rx Savings Solutions. Find the best prices and options for any prescription drug, and receive alerts when there’s a lower-cost drug option for you. Sign up on Rx Savings Solutions or download the Rx Savings Solutions app. You can call 800-268-4476 or email support@rxsavingssolutions.com for more information.
Specialty drugs
Specialty pharmacies provide medications that are used to treat certain complex conditions. UnitedHealthcare has established a network of retail pharmacies experienced in dispensing and monitoring these special medications. To learn more about the specialty pharmacy network, call Briova RX at 1-866-863-7543.
Manage prescriptions
Start or refill a mail order prescription, compare costs, and more.
Review coverage
Access health resources
Take advantage of these valuable resources to better manage your health and financial well-being.
Medical plan tools
Find a doctor, compare costs, manage claims and more.
- Visit UnitedHealthcare
Prescription tools
Order or refill prescriptions, sign up for mail order, and more.
- Visit Optum Rx
Virtual Visits
Seek medical advice from board-certified physicians who are available 24/7, 365 days a year to consult with you through live video right from your mobile device or computer. Virtual Visits physicians can provide fast, convenient diagnosis and treatment for many common conditions. Visit Virtual Visits to enroll or learn more.aaaa
Maven
No matter where you are on your reproductive and family health journey, Maven is here for you with 24/7 virtual access to top-rated fertility, maternity, pediatric, and menopausal care. If you enroll in a Commvault medical plan, you can take advantage of all Maven has to offer:
- Around-the-clock access to providers who specialize in family building, including fertility awareness educators, lactation consultants, reproductive endocrinologists, adoption and surrogacy coaches, urologists, and mental health specialists.
- A dedicated team of Care Advocates who can build personalized action plans and connect you to the highest quality clinics or agencies to ensure you receive the right support for your goals.
- Unlimited access to an extensive library of accessible, clinically-validated educational resources on topics ranging from sleep training to menopause, including articles and live classes.
- Maven Wallet, a flexible, streamlined expense management platform that gives you real-time access to benefit balances and claims status.
Activate your free membership by downloading the Maven Clinic app or visiting mavenclinic.com/join/getsupport.
Fertility Solutions Program
All Vaulters who enroll in a Commvault medical plan will have access to UHC’s comprehensive Fertility Solutions program, regardless of a whether you have received a diagnosis of infertility. This program gives you access to support from a dedicated fertility nurse and licensed clinical social workers. This team of experts can offer clinical guidance and compassionate support to help you navigate complex treatment decisions, reduce financial and emotional stress, and reach your pregnancy goals with lower medical costs. Fertility Solutions also provides:
- Referrals to additional support services
- Education on treatment options
- Access to a national network of Centers of Excellence—top fertility treatment clinics that meet or exceed best practice criteria
- Coverage for elective egg freezing
Considering adoption or surrogacy? At Commvault, we know families grow in all different ways – learn more about our adoption and surrogacy support program.
UHC Cancer Support Program
Vaulters and their family members who are enrolled in a UHC plan and managing a cancer diagnosis have access to UHC’s Cancer Support Program. The program connects you with a dedicated nurse, supported by an entire team of cancer experts to help you make informed decisions about your care. Cancer nurses can help you manage symptoms and side effects, assess pharmacy costs, provide assistance navigating the health care system, and more. The Cancer Support Program also makes it easy to find high-quality, cost-effective care with access to a Center of Excellence (COE) network of 37 top cancer centers across the country. To learn more, visit myuhc.phs.com/cancerprograms.
Sanvello
Sanvello provides on-demand treatment for stress, anxiety, and depression from the palm of your hand. With the Sanvello mobile app, you have access to clinically validated techniques for managing your emotional wellbeing. From daily mood tracking to coping tools for stressful situations and communities, Sanvello provides evidence-based help for managing stress, anxiety, and depression—and it’s completely free for you to use through your Commvault medical plan. Learn more.
Talkspace
Talkspace is a group of more than 5,000 licensed therapists that provide online therapy via video and a secure text platform. You can communicate with therapists via the Talkspace secure platform for the same cost as an in-network mental health visit. Learn more.
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. Help is just a phone call away at 1-866-695-8622. Learn more at Health Advocate.
Get Healthy with Real Appeal
You can also access Real Appeal, a convenient online weight loss benefit that can help you learn simple steps for a healthier life. Most members lose an average of 10 pounds after completing only four sessions of the program. Participation in the program includes:
- Access to a Transformation Coach to guide you through the program and develop a simple, customized plan that fits your needs.
- 24/7 access to digital tools and dashboards to help you track your food, activity, and weight.
- A success kit with healthy weight management tools including fitness guides, a recipe book, weight scale and more.
- Support from weekly online group classes.
And the best part is that this program is free to you and your family members with your enrollment in Commvault’s medical plans.