Benefits Guide 2026

Your Medical Benefits and Contributions CSHL health plans are administered by United Healthcare (UHC). Medical Insurance United Healthcare Choice Plan Choice Plus Plan Member pays: Member pays: Medical Benefits In-Network Out-of-Network In-Network Out-of-Network Preventive Services No charge No coverage No charge 30% after DED Primary Care Provider (PCP) Office Visit: $40 No coverage $40 30% after DED Specialist Office Visit: $70 No coverage $40 30% after DED Physical Therapy $20 No coverage $20 30% after DED Urgent Care Facility $100 No coverage $100 30% after DED Emergency Room $300 No coverage $300 $300 Inpatient Hospital $500 per admission No coverage $1,000 per admission 30% after DED Deductible (DED) : Single/Family (calendar year) $500/$1,000 No coverage $600/$1,300 $1,000/$2,400 Coinsurance See below No coverage 30% 30% Outpatient Surgery: Alternate Facility $300 No coverage 30% after DED 30% after DED

Hospital Based

$300

No coverage

30% after DED

30% after DED

Laboratory Services:

Alternate Facility

$50

No coverage

30% after DED

30% after DED

Hospital Based

$50

No coverage

30% after DED

30% after DED

Radiology Services:

X-rays/Sonograms Complex Imaging

$50

No coverage No coverage No coverage

30% after DED 30% after DED $5,000/$10,000

30% after DED 30% after DED $6,500/$13,000

$300

Out-of-Pocket Maximum

$5,000/$10,000

Prescription Drug Benefits – Tier 1 / Tier 2 / Tier 3

$10/$40/$60 GLP-1 $100 $20/$80/$120

$10/$40/$60 GLP-1 $100 $20/$80/$120

Retail (up to 31 days)

No coverage

$10/$40/$60

Mail Order (up to 90 days)

No coverage

No coverage

Specialty Drugs

Need to be obtained through OptumRx

Employee Monthly Pre-Tax Contributions Choice Plan Full-Time Choice Plan Part-Time

Choice Plus Plan Full-Time

Choice Plus Plan Part-Time

Employee Only

$170.50

$249.00

$400.00

$499.00

Employee+Spouse/Domestic Partner

$332.50

$486.00

$799.00

$998.00

Employee + Child(ren)

$287.50

$420.50

$763.50

$953.50

Employee + Family

$501.50

$734.50

$1,178.00

$1,471.50

For more information on your plan benefits please see your Summary of Benefits Coverage (SBC) and/or Summary Plan Description (SPD) which can be found on the HR Intranet. To locate participating UHC providers or to access the Prescription Drug List, visit www.myuhc.com.

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