Medical Choice Tool

Grainger offers three medical plans – the POS Platinum, HSA Gold and HSA Silver. This survey will ask you six questions to help you identify which of the three 2020 medical plans* may be right for you.

*Team members outside of the continental U.S. have one medical plan option. Therefore, this tool is not applicable.

Would you rather pay more now or later?

When you have more money deducted from your paycheck, you will pay a lower share of the expenses when you get care. Pay less for the plan through payroll deductions, and you may have to pay more when you need care.

Pay less from my paycheck and more when I receive care.
Pay more from my paycheck and less when I receive care.

How often do you think you and your covered dependents will visit a doctor?

It’s important to have the right coverage when you need it, but it’s also important not to pay for coverage you don’t need. Remember that in-network preventive care visits are covered at 100% so don't count those.

  • If you don't expect to have a lot of health care expenses, select "Rarely."
  • If you or someone you cover has a medical condition that requires more frequent trips to the doctor for monitoring—such as allergies or high cholesterol—select "Occasionally."
  • If someone you cover is dealing with a serious medical condition or you cover a high number of dependents that take frequent trips to the doctor, select "Frequently."
Rarely. No more than 1 or 2 total visits per family member per year.
Occasionally. Occurring more often but not regularly, around 3-4 visits per family member per year.
Frequently. Five or more visits for an individual or 8 or more total visits per family member per year.

     

In general, do you anticipate needing health care services or prescription drugs other than for prevention and/or emergency situations?

Some plans may be a better fit for you and your covered dependents based on the number and type of health care services or prescription drugs you anticipate needing in the year ahead. For example, you may need coverage for health care services beyond prevention and/or emergency situations if you have a baby, have a major surgery or need other major medical services.

Yes. I anticipate needing coverage for health care services or prescription drugs beyond prevention and/or emergency situations.
No. I do not anticipate needing coverage for health care services or prescription drugs beyond prevention and/or emergency situations.

     

Are you concerned about having enough money to cover your health care expenses during retirement?

The HSA Gold and HSA Silver Plans are high deductible health plan options with a Health Savings Account (HSA) feature.


An HSA allows you to:

  • Save for future medical expenses, tax-free.
  • The money is yours to keep if you leave or retire from Grainger.
  • Your unused money rolls over each year, tax-free, so you can pay for health care expenses today or in the future during retirement.

Yes. Saving for retirement is a top priority.
Maybe. It's not my top priority, but I am beginning to focus more on saving for retirement.
No. Saving for retirement is not currently a priority.

     

How important is it that you receive a contribution from Grainger to help pay for health care expenses?

If you enroll in the HSA Gold Plan, Grainger contributes money to your HSA:

  • $500 annually for Individual coverage
  • $750 annually for Individual and Spouse/Partner or Individual and Child[ren]
  • $1,000 annually for Individual and Family (spouse/partner and child[ren])


You can also make your own contributions to your HSA (for both the HSA Gold and HSA Silver Plans).


The HSA Silver Plan does not include an employer HSA contribution, but it features the lowest medical plan costs and you can make your own contributions to your HSA.

Very important. I want Grainger to contribute money to my HSA, offering an additional safety net for my unplanned out-of-pocket health care expenses.
Not important. I would rather pay lower monthly costs and put some of that savings into my HSA.

     

Do you or your covered dependents routinely take preventive maintenance generic prescription drugs for health issues?

Preventive medications can help people avoid many illnesses and conditions. The ACA provides a list of preventive medications that are 100% covered under each medical plan, but on top of that, the HSA Gold Plan also covers 100% of all preventive maintenance generic prescriptions used to avoid acute episodes from chronic conditions (the HSA Silver and POS Platinum Plans offer them for a $5 copay, with no deductible required).


Review the preventive maintenance generic prescription drug lists.

No. Neither I nor my covered dependents take preventive maintenance generic prescription drugs for health issues.
Yes. Either I or my covered dependents take only preventive maintenance generic prescription drugs for health issues.
No. However, either I or my covered dependents take expensive non-formulary or specialty prescription drugs for health issues.