Provided through a choice of carriers: Blue Cross Blue Shield (BCBS), Surest and UnitedHealthcare (UHC). Colleagues in California also have access to Kaiser, which is a regional carrier.
The following describes the medical plan options available to most Alera Group colleagues. Options differ for Propel colleagues.
| Looking for information about the 2024 plans? See Medical and Prescription Drug Coverage (2024). |
Taking care of your health and the health of your loved ones is of utmost importance to you and to Alera Group. Our medical plan options are designed to help you take a proactive approach to health care, focusing on prevention and a healthy lifestyle. They also provide peace of mind, knowing that you and your family are protected in times of illness or injury.
Alera Group provides an array of medical plan design options, prices and carriers to accommodate the diverse needs and preferences of colleagues and their families. You have the flexibility to choose coverage that suits you and your family best. All of the options include prescription drug coverage and 100% coverage for in-network preventive care.
You can choose medical coverage for yourself and your dependents as a new hire and during Open Enrollment through the Alera Group Benefits Center. You may be able to update your election within 30 days of a qualifying life event (such as marriage or birth/adoption).
You and the company share in the cost of medical coverage. You pay your share through pre-tax payroll contributions (except for domestic partner coverage, which is post-tax). You can find your specific costs for the options available to you when you make your choices through the Alera Group Benefits Center.
National Medical Plan Options
| $3,300 HDHP and $6,000 HDHP | PPO | Surest |
|---|---|---|
| You choose your carrier: UnitedHealthcare (Choice Plus Network) or Blue Cross Blue Shield (BCBS) | You choose your carrier: UnitedHealthcare (Choice Plus Network) or Blue Cross Blue Shield (BCBS) | Uses the UnitedHealthcare Choice Plus Network and provides an easy-to-use app and website to help you see providers and treatment costs instantly |
| Highest deductibles | Lower deductibles than HDHP | No deductibles or coinsurance |
| Deductible must be met before plan begins to pay | Copay and coinsurance structure for services rendered | Copay structure for services rendered |
Health Savings Account (HSA) to help pay the deductible and other medical expenses:● Alera Group will put money into your HSA● You can also contribute | You can contribute to a Health Flexible Spending Account (FSA) to help pay medical expenses | You can contribute to a Health Flexible Spending Account (FSA) to help pay medical expenses |
In all of these options:
- Coverage includes in-network and out-of-network care, with higher benefits paid for in-network care.
- You are not required to choose a primary care physician (PCP) or obtain referrals to see specialists in any of these plan options.
- You receive 100% coverage for preventive care when using in-network providers, with no deductible.
- Prescription drug coverage is provided through OptumRx.
- Care Coordination is provided through the carrier.
- Expert Medical Guidance and Second Opinions are provided through Included Health.
- Virtual Care Services are available through the carrier.
- Musculoskeletal Pain Support is available through Sword Health.
Understanding Surest, a Redesigned Health Plan
The Surest medical plan makes managing your health care expenses even easier through a no deductible and no coinsurance cost-share model. With the Surest mobile app or website you can:
- See upfront pricing for copays before scheduling appointments and compare options to arrive at opportunities to pay less for quality care.
- Access the broad, national UnitedHealthcare Choice Plus network of providers and facilities.
- Easily navigate to care coordination, telehealth and support services.
As you consider coverage with Surest, login to the pre-member website to explore everything that is available to Surest members. Visit join.surest.com/alera (access code: Alera2025) to learn more.
Kaiser Medical Plan Options (California Only)
| Kaiser $3,300 HDHP | Kaiser HMO |
|---|---|
Health Savings Account (HSA) to help pay the deductible and other medical expenses:● Alera Group will put money into your HSA● You can also contribute money | No deductible or coinsurance, just copays |
In the Kaiser medical plan options:
- You must use Kaiser doctors and facilities — there is no out-of-network coverage.
- In the Kaiser HMO, you must select a Kaiser PCP to coordinate your care.
- Referrals are required for some specialist visits. In some cases, you can self-refer to certain specialists.
- You receive 100% coverage for preventive care.
- Prescription drug coverage is provided through Kaiser.
- Care Coordination is provided through Kaiser.
- Expert Medical Guidance and Second Opinions are provided through Included Health.
- Virtual Care Services are provided through Kaiser.
Additional Details
- Mental Health Support is also available to all Alera Group colleagues and family members, whether or not they are enrolled in an Alera Group medical plan.
| Decision-making support Alera Group wants you to feel supported and confident in making the best choices for yourself and your loved ones. When you make your choices through the Alera Group Benefits Center, you can use the MyChoice Recommendation Engine to receive personalized recommendations based on your health care needs and preferences. You can also receive decision-making support from the Sofia personal virtual benefits assistant and by phone from a Member Advocate. |
