Plans at a Glance

Explore your options for medical coverage

Most team members can choose from three medical plans: Silver, Gold and Platinum. Here’s a high-level look at your options. For more details, see the Medical Plan Comparison Chart. Benefits may differ for team members outside the continental U.S.

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 Health Plan	High-Deductible Health Plan	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
Premium Costs	Fixed cost every payday
Premium Costs	$	$$	$$$
Out-of-Pocket Costs	Variable cost based on the care you receive
Out-of-Pocket Costs	$$$	$$	$
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.