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​​​​​​​​​​​​​​​​​Medical Plan

Keeping Health Up…and Costs Down

Your medical coverage helps you and your family stay healthy through preventive care, wellbeing and behavioral health services, while providing a financial safety net when you do need medical care. In fact, Grainger’s medical benefits focus on keeping you and your family as healthy as possible, while ma​naging the cost of health care for both you and the company.​

You have a choice of four coverage tiers:

  • You Only
  • You + Spouse/Domestic Partner*
  • You + Child(ren)
  • You + Family (spouse/domestic partner and child[ren])*​

*Coverage for domestic partners and dependents of domestic partners is subject to imputed income for the team member.​

Medical Coverage Overview

​Most team members can choose from among three options for coverage. All three options are “Preferred Provider Organizations” (PPOs).

  • The HSA Silver Plan: a high deductible health plan with a Health Savings Account feature.
  • The HSA Gold Plan: a high deductible health plan with a Health Savings Account feature to which Grainger also contributes.
  • The POS Platinum Plan​: a “traditional” health plan, with higher premiums and lower deductible levels.
A Health Savings Account​ lets you pay your share of health care with tax-free money in an account you can build up year-to-year, effectively reducing your actual cost for services. These plans have lower premiums and higher deductibles.
​Features Found in All Three Medical Options
  • A robust network of doctors, hospitals and pharmacies providing care at negotiated rates

Provider network

Pharmacy network

  • Preventive screenings and exams covered at 100%
Preventive Health​
  • Preventive maintenance generic prescriptions used to avoid acute episodes from chronic conditions covered at low cost or no cost, depending on your plan

Pr​eventive Generic Medications (2019)

  • Most in-network care is covered at 80% after you have paid your deductible

Medical Plan Comparison Summary (2019)

  • 100% coverage for most types of care for the rest of the year if you reach an annual out-of-pocket maximum

Medical Plan Comparison Summary (2019)

  • A Prescription Drug Program through Express Scripts, with a national retail pharmacy network, home delivery service, and discounted rates for some drugs. See the Preferred Formulary Prescription Drug List to learn which drugs are covered at formulary rates. You will receive a separate ID card for this program.

    Use Generics and Save!
    Generic drugs can cost as little as $5 for a 34-day supply through the retail pharmacy network, or $10 for a 90-day supply through home delivery. They have the same active ingredients as brand name drugs and they are subject to a rigorous inspection and approval process by the U.S. Food and Drug Administration (FDA).

Pharmacy network

Formulary list

Medical Plan Comparison 
Summary (2019)​

  • A Behavioral Health Program through OptumHealth Behavioral Solutions, with a network of professionals who provide behavioral health/substance abuse services. Your medical ID card is used for these services.

 ​​1-800-851-9054; enter "grainger"

  • Wellness programs and condition management through your health plan, including a free health assessment and tobacco cessation.
Wellness Services
  • ​Virtual Medicine, for you and your covered dependents, provides convenient 24/7 access to Board-certified doctors – via smartphone, tablet or computer with video – when you need help with a routine or non-emergency health matter, such as cold/flu symptoms, allergies, ear infections and many others. Within minutes of the diagnosis, a doctor can send a new prescription or refill order to your local pharmacy. The cost for a call is set by your medical plan, but it is usually less than $50 in the HSA Silver and HSA Gold Plans and less than the office visit copay in the POS Platinum Plan.

Virtual Medicine

 ​Note: Team members outside the continental U.S. have one medical plan option. Review the Medical Plan Carrier Map for more information.