Introduction
This employee benefits guide highlights various benefit plans offered at Cold Spring Harbor Laboratory (CSHL). As you look to make decisions regarding medical benefits for you and your family, you should be aware that the available medical plans provide you with access to one of the country’s largest provider networks, United Healthcare (UHC). You also have the freedom to select any provider in their network without obtaining a referral. CSHL remains committed to providing excellent health coverage for our employees. As part of that commitment, we continuously monitor the health plans to ensure an appropriate balance between coverage and cost. In 2025, the operating costs for our health plans continued to rise, which necessitated changes to our health plans. The change will result in streamlining your choices in healthcare providers while simultaneously providing cost savings to the Laboratory. We are changing the UHC Choice plan. On the UHC Choice plan, rather than determining your cost based on meeting a deductible, then a percentage based on whether utlizing a freestanding facility or hospital- based setting, we are changing to co-payments for most services. If you see a primary care physician, the co-payment will be $40, and if you see a specialist, the co-payment will be $70. These are difficult but necessary decisions to safeguard the financial strength of the Laboratory while continuing to offer health plans that meet the needs of our employees. As you look to decide which plan best meets your needs, please take the time to review the various plan details and research doctors on the UHC provider network on www.uhc.com. We have included the following definitions section to assist you in understanding the information throughout this guide.
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