2026
Benefits Info

Medical Plans

Which Medical Plan is Right?

You have two major medical plans to choose from: a HDHP plan, which pairs a tax-favored health savings account, and Surest, both administered by UnitedHealthcare. Surest is a type of copay-based plan that provides clear, upfront pricing and flexibility in choosing care. It’s designed to make healthcare costs more predictable and easier to understand — no deductible, no coinsurance surprises, and no need to wait for a claim to see what you owe.


Surest
HDHP (High-Deductible Health Plan)
Deductible No deductible You must meet a deductible before most coverage begins
Copays Fixed copays shown in advance Usually pay full cost until deductible is met
Coinsurance None (you pay copay only) After deductible, you pay a percentage (coinsurance)
HSA Eligibility Not HSA-eligible HSA-eligible (you can save pre-tax funds for care)
Cost Predictability Very predictable (you know costs upfront) Costs vary depending on deductible and care usage
Best For Those who want simplicity and predictable costs Those who want lower premiums and tax-saving HSA benefits
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Get More Value from Your Plan
Provider Search Member Flier
UHC Telehealth document
UHC Premium Designation Flier
Insurance 101 UHC

High Deductible Health Plan

Base HDHP Plan In-Network Providers Out-of-Network Providers
Annual Deductibles
Employee Only
Employee + 1 or more		 Tier 1
$3,400
$6,800		 Tier 2
$3,500
$7,000
Employee Only
Employee + 1 or more
$10,000
$20,000
Coinsurance Plan pays 80% after deductible Plan pays 60% after deductible
Max Out-of-Pocket
Employee
Employee + 1 or more		 $5,950
$11,900
Employee Only
Employee + 1 or more		 $20,000
$40,000
Preventive Care 100%, no deductible 60% after deductible
Office Visits Primary Care /
Specialists		 Tier 1:
90% after deductible
 Tier 2:
80% after deductible		 60% after deductible
Hi-Tech Imaging 80% after deductible 60% after deductible
Emergency Room 80% after deductible Treated as in-network
Inpatient/Outpatient Treatment 80% after deductible 60% after deductible
Prescription Drugs Retail and Mail Order: 80% after deductible Retail: 60% after deductible
Mail Order: Not available
HSA Eligible Yes
2026 High Deductible Health Plan SBC

High Deductible Health Plan

HDHP Medical Plan Perks

UHC Member Perks Menu

  1. Calm Health – Mental Health – Resources to support mental health. Tools and programs to support your mental health at your own pace.
  2. Orthopedic Support – Bone , joint, tendon or muscle pain can be cumbersome. Specialist Management Solutions (SMS) can manage your orthopedic care journey.
  3. Personal Health Support – Whether you want to know how a treatment is covered or how to start healthy habits, there’s a team to help.
  4. Doctor Second Opinion – If you have a new diagnosis, are managing a second opinion, or have a potential surgery, get a virtual second opinion from a doctor with 2nd.MD
  5. Neonatal Resources – Get support from neonatal nurses. Receive passionate care after your delivery. NICU support, and life at home with the baby.
  6. Family Building Benefits – Infertility is a common issue that is understandably emotional and stressful. Learn what options you have through the medical plan.
  7. Noom Weight – Noom uses up to date psychology and behavioral science to help you lose weight at a pace that works for you.
  8. Virtual Therapy – Reaching out for support can be hard. From the privacy of your home, receive care from a licensed therapist.
  9. Optum Behavioral Care & Emotional Wellbeing Solutions – Gain control of your worries. The Optum Behavioral Care mental health coaching helps learn ways to cope and feel better.
    1-866-287-1802 – Behavioral
    1-866-248-4096 – Wellbeing
  10. Family Emotional Support – Help your kids get the emotional and behavioral health support they need. Coaching from Bend Health. Licensed practitioners and resources to help you navigate.
  11. Digital Back and Joint Pain Management – Get a personalized exercise program designed with flexibility, coaching support, and educational content on mindfulness and relaxation for back, joint, and chronic pain through Kaia.
UHC Perks 2026
Personal Health Support Tool kit
AbleTo Virtual Behavioral Therapy
Neonatal Resource Services
What is Surest?

Surest is an employer-sponsored health plan that gives members the tools to see cost and coverage information before the point of care. Members receive quality medical coverage with access to the broad, national UnitedHealthcare and Optum Behavioral Health networks. UnitedHealthcare’s Surest health plan is designed to provide employees with a straightforward and cost-effective healthcare experience.Below are 5 reasons that employees everywhere are loving Surest.

  1. No Deductibles: Surest plans eliminate the need for deductibles, allowing employees to start receiving full coverage immediately. This means no waiting periods or out-of-pocket costs until after the plan begins.
  2. Transparent Costs: Employees can view exact copay information for each service through the Surest app, which helps them make informed decisions about their healthcare.
  3. Access to a Large Provider Network: Surest provides access to a vast network of healthcare providers, ensuring employees can find care that fits their needs and budget.
  4. Cost Efficiency: By using the Surest app, employees can compare costs and coverage options, leading to more cost-efficient care choices.

Employees using Surest report improved satisfaction and lower out-of-pocket expenses, making it a popular choice for those seeking a more straightforward and affordable healthcare solution.

How Does Surest Insurance Work?

To use Surest, members can follow these steps to compare care options.

  1. Open the Surest app.
  2. Type in the issue the member needs help with – “sinus infection”, “ADHD,” “office visit” or “prescriptions”, for example.
  3. Choose the exact issue to narrow your search – for example, “inflammation of sinus” or “sick sinus syndrome”.
  4. See treatment options, such as virtual visit, medical office visit, urgent care and retail clinic visit.
  5. Once you choose your preferred type of treatment, you’ll see a map with providers and the amount a copay will cost.
  6. Click on the available options to see provider information (including ratings), addresses and scheduling information.
    You can schedule your treatment right in the app, and you’ll know exactly how much you’ll pay for your visit.

 

See how the Surest plan works in real life

PL Marketing- English - Plan summary
Surest - English- common questions
How to search flyer
Get the Surest app - Flyer
How to contact Surest member services
What if your provider doesn't know the Surest plan-
Ensuring provider-plan copay amounts match
About value-based copays
Try virtual care - Flyer
Level 2 Diabetes Program - Surest
2026 Surest SBC

Surest Videos

Surest Medical Plan Perks

Surest Member Perks Menu

  1. Calm Health – Mental Health Resources to support mental health. Tools and programs to support your mental health at your own pace. 
  2. Personal Health Support – Whether you want to know how a treatment is covered or how to start healthy habits, there’s a team to help. Personal Health Support
  3. Doctor Second Opinion – If you have a new diagnosis, are managing a second opinion, or have a potential surgery, get a virtual second opinion from a doctor with 2nd.MD 
  4. Neonatal Resources – Get support from neonatal nurses. Receive passionate care after your delivery. NICU support, and life at home with the baby.
  5. Family Building Benefits – Infertility is a common issue that is understandably emotional and stressful. Learn what options you have through the medical plan. Family Building Benefits
  6.  Virtual Therapy – Reaching out for support can be hard. From the privacy of your home, receive care from a licensed therapist. 
  7. Digital Back and Joint Pain Management – Get a personalized exercise program designed with flexibility, coaching support, and educational content on mindfulness and relaxation for back, joint, and chronic pain through Kaia. 
  8. Noom Weight  – Noom uses up to date psychology and behavioral science to help you lose weight at a pace that works for you. Noom Weight Management
Surest Perks 2026

"LEVEL 2" Diabetes Management Program

This program is available with our UHC medical plan participants

Level 2 UHC is a specialized program designed to help individuals manage and improve their type 2 diabetes through personalized care and support.

Overview of Level 2 UHC

Level 2 is a program offered by UnitedHealthcare (UHC) that focuses on providing comprehensive care for individuals with type 2 diabetes. The program aims to help participants achieve better health outcomes by utilizing a combination of technology, personalized support, and lifestyle changes.

Key Features of Level 2 UHC

  1. Continuous Glucose Monitoring (CGM): Participants receive a CGM device that allows them to monitor their glucose levels in real-time, helping them understand how their body responds to different foods and activities.
  2. Personalized Care Team: Each participant is supported by a dedicated care team, including doctors, nurses, registered dietitians, and health coaches. This team works collaboratively to provide tailored advice and support throughout the participant’s journey.
  3. Phased Approach: The program is structured into distinct phases, each with specific goals aimed at improving glucose control and promoting healthier lifestyle choices. This phased approach helps participants gradually build better habits.
  4. Education and Engagement: Level 2 emphasizes participant education, helping individuals learn about their condition and how to manage it effectively. This includes guidance on diet, exercise, and other lifestyle factors that impact diabetes management.
  5. Support for Remission: The program aims to help participants work towards remission of type 2 diabetes, as defined by the American Diabetes Association. While not guaranteed, many participants have reported significant improvements in their health metrics.

Benefits of Participating in Level 2 UHC

  • Improved Health Outcomes: Many participants experience reductions in A1C levels, weight loss, and decreased reliance on diabetes medications.
  • Ongoing Support: Participants have access to their care team through various communication methods, ensuring they receive continuous support and motivation.
  • Empowerment: The program empowers individuals to take charge of their health by providing them with the tools and knowledge needed to make informed decisions about their diabetes management. In summary, Level 2 UHC is a comprehensive program designed to support individuals with type 2 diabetes in improving their health through personalized care, education, and technology. It offers a structured approach to managing diabetes, with the potential for significant health improvements.

Level 2 Resources

  1. Member Support | Level2
  2. The Level2 Health App | Level2
  3. Level2 Welcome Guide
Level 2 Diabetes Program - Surest
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