Health & Wellbeing

​​​​​​​​​​​​​​​​​Medical Plan

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.

Health Savings Account (HSA)

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.

See how it works

​Features Found in All Three Medical Options
  • A robust network of doctors, behavioral health care providers, 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 (2021)

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

Medical Plan Comparison Chart

  • 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 Chart

  • 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 Smart90 and Save! 
    Smart90 is a program that lets you get 90 days of a long-term, “maintenance” prescription for the cost of 60 days at a CVS pharmacy (required for 90-day prescriptions). Register here.

    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).

Prescription Drug Program

Formulary list

Medical Plan Comparison Chart

  • 2nd.MD Expert Medical Opinion gives you access to nationally recognized doctors who are ready to answer your questions about a diagnosis and treatment options.
​Second Medical Opinion
  • Wellness programs and condition management through your health plan, including a free health assessment and tobacco cessation.
Wellness Services
  • ​Virtual Visits through Doctor On Demand offer you and your covered dependents convenient 24/7 access to Board-certified doctors via smartphone, tablet or computer with video.

Virtual Visits

 ​Note: Benefits may differ for team members outside the continental U.S.