Plans at a Glance
Here’s a high-level look at how the Silver, Gold and Platinum medical plans compare on several key features. For more details, see the Medical Plan Comparison Chart.
|
Silver Plan |
Gold Plan |
Platinum Plan |
|
|---|---|---|---|
|
Plan Type |
High-Deductible |
High-Deductible |
Traditional Plan |
|
HSA Included? |
✓ You can contribute your own pretax dollars if you wish |
✓ Grainger contributes + You can contribute your own pretax dollars if you wish |
X |
|
Fixed cost every payday |
|||
|
$ |
$$ |
$$$ |
|
|
Out-of-Pocket Costs |
Variable cost based on the care you receive |
||
|
$$$ |
$$ |
$ |
|
|
Deductible |
Applies to most non-preventive services, including prescription drugs and office/virtual visits |
Does not apply to prescription drugs or office/virtual visits |
|
|
Family Coverage |
The family deductible and family out-of-pocket maximum apply to each covered family member; individual limits do not apply |
Individual family members may satisfy the individual deductible and out-of-pocket maximum |
|
|
Coinsurance |
Most in-network care is covered at 80% after you meet your annual deductible. You pay the remaining 20% until your annual out-of-pocket maximum is met. |
||
|
Prescription Drug Program |
Deductible applies except for generic preventive maintenance drugs |
||
|
Preventive Care |
Preventive screenings and exams covered at 100%. Preventive maintenance generic prescriptions covered at low cost or no cost, depending on your plan. |
||
