Medical
Medical coverage offers healthcare protection for you and your family. You may visit any medical provider you choose, but in-network providers offer the highest level of benefits and lower out-of-pocket costs. Network providers charge members reduced, contracted fees instead of their typical fees. Providers outside the plan’s network set their own rates, so you may be responsible for the difference if a provider’s fees are above the Reasonable and Customary (R&C) limits.
Preventive Care – like physical exams, flu shots, and screenings – is always covered 100% when you use in-network providers. The key difference between the plans is the amount of money you’ll pay each pay period and when you need care.
Employees that choose not to enroll in medical benefits through Benchling can opt into a monthly waiver credit of $150.
Each plan has different:
- Annual deductible amounts – the amount you pay each year for eligible in-network and out-of-network charges before the plan begins to pay.
- Out-of-pocket maximums – the most you will pay each year for eligible network services and/or prescriptions. After you reach your out-of-pocket maximum, the plan picks up the full cost of covered medical care for the remainder of the year.
- Copays – A copay is a fixed amount you pay for a health care service. Copays do not count toward your deductible but do count toward your annual out-of-pocket maximum.
- Coinsurance – Once you’ve met your deductible, you and the plan share the cost of care, which is called coinsurance. For example, you pay 20% for services and the plan will pay 80% of the cost until you have reached your out-of-pocket maximum.
UHC HDHP
Plan Information
Plan Name: UHC HDHP
Policy Number: 936936
Effective Date: 01/01/2025
Network: UnitedHealthcare Select Plan (west)
Wisconsin employees: Choice Plan
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network
Deductible (Individual/Family)
$3,300/$6,600
Out-of-Pocket Max (Individual/Family)
$3,425/$6,850
Preventive Care
$0
Primary Care Visit
$0 after deductible
Specialist Visit
$0 after deductible
Urgent Care
$0 after deductible
Emergency Room
$0 after deductible
Retail Rx (Up to 30-Day Supply)
Generic
$10 after deductible
Preferred Brand
$30 after deductible
Non-Preferred Brand
$50 after deductible
Specialty
30% coinsurance up to $150
Mail-Order Rx (Up to 90-Day Supply)
Generic
$20
Preferred Brand
$60
Non-Preferred Brand
$100
Specialty
30% coinsurance up to $300
Out-of-Network
Deductible (Individual/Family)
$3,300/$6,600
Out-of-Pocket Max (Individual/Family)
$7,000/$14,000
Preventive Care
Not covered
Primary Care Visit
30% coinsurance (after deductible)
Specialist Visit
30% coinsurance (after deductible)
Urgent Care
30% coinsurance (after deductible)
Emergency Room
No copay (after deductible)
Retail Rx (Up to 30-Day Supply)
Generic
$10 after deductible
Preferred Brand
$30 after deductible
Non-Preferred Brand
$50 after deductible
Specialty
30% coinsurance up to $150
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Specialty
Not covered
Plan Documents
Contact Information
UHC PPO
Plan Information
Plan Name: UHC PPO
Policy Number: 936936
Effective Date: 01/01/2025
Network: UnitedHealthcare Select Plan (west)
Wisconsin employees: Choice Plan
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network
Deductible (Individual/Family)
$250/$750
Out-of-Pocket Max (Individual/Family)
$2,250/$4,500
Preventive Care
$0
Primary Care Visit
$20 copay
Specialist Visit
$20 copay
Urgent Care
$20 copay
Emergency Room
$150 copay, then 10% coinsurance
Retail Rx (Up to 30-Day Supply)
Generic
$5
Preferred Brand
$25
Non-Preferred Brand
$40
Specialty
$45
Mail-Order Rx (Up to 90-Day Supply)
Generic
$10
Preferred Brand
$50
Non-Preferred Brand
$80
Specialty
$90
Out-of-Network
Deductible (Individual/Family)
$250/$750
Out-of-Pocket Max (Individual/Family)
$6,500/$13,000
Preventive Care
Not covered
Primary Care Visit
30% coinsurance after deductible
Specialist Visit
30% coinsurance after deductible
Urgent Care
30% coinsurance after deductible
Emergency Room
$150 copay, then 10% coinsurance
Retail Rx (Up to 30-Day Supply)
Generic
$5
Preferred Brand
$25
Non-Preferred Brand
$40
Specialty
$45
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Specialty
Not covered
Plan Documents
Contact Information
UHC EPO
Plan Information
Plan Name: UHC EPO
Policy Number: 936936
Effective Date: 01/01/2025
Network: UnitedHealthcare Select Plan (west)
Wisconsin employees: Choice Plan
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network Only
Deductible (Individual/Family)
$0/$0
Out-of-Pocket Max (Individual/Family)
$2,000/$4,000
Preventive Care
$0
Primary Care Visit
$15 copay
Specialist Visit
$15 copay
Urgent Care
$15 copay
Emergency Room
$100 copay
Retail Rx (Up to 30-Day Supply)
Generic
$5
Preferred Brand
$25
Non-Preferred Brand
$40
Specialty
$45
Mail-Order Rx (Up to 90-Day Supply)
Generic
$10
Preferred Brand
$50
Non-Preferred Brand
$80
Specialty
$90
Plan Documents
Contact Information
UHC HMO (CA Only)
Plan Information
Plan Name: UHC HMO (CA Only)
Policy Number: 936936
Effective Date: 01/01/2025
Network: CA Signature Value HMO
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network Only
Deductible (Individual/Family)
$0/$0
Out-of-Pocket Max (Individual/Family)
$2,000/$4,000
Preventive Care
$0
Primary Care Visit
$20 copay
Specialist Visit
$40 copay
Urgent Care
$20 copay (within medical group) / $50 copay (outside medical group)
Emergency Room
$250 copay
Retail Rx (Up to 30-Day Supply)
Generic
$15
Preferred Brand
$35
Non-Preferred Brand
$75
Specialty
$250
Mail-Order Rx (Up to 90-Day Supply)
Generic
$37.50
Preferred Brand
$87.50
Non-Preferred Brand
$187.50
Specialty
$625
Plan Documents
Contact Information
Kaiser HMO (CA Only)
Plan Information
Plan Name: Kaiser HMO
Policy Number: 609064 (N. Cal); 237018 (S. Cal)
Effective Date: 01/01/2025
Network: Kaiser
In-Network Benefit Highlights
Deductible (Individual/Family)
$XX/$XX
Out-of-Pocket Max (Individual/Family)
$XX/$XX
Preventive Care
$XX
Primary Care Visit
$XX
Specialist Visit
$XX
Urgent Care
$XX
Emergency Room
$XX
Benefit Highlights
In-Network Only
Deductible (Individual/Family)
$0/$0
Out-of-Pocket Max (Individual/Family)
$1,500/$3,000
Preventive Care
$0
Primary Care Visit
$20
Specialist Visit
$35
Urgent Care
$20
Emergency Room
$100
Retail Rx (Up to 30-Day Supply)
Generic
$10
Preferred Brand
$35
Non-Preferred Brand
$35
Specialty
20% coinsurance up to $150 per prescription
Mail-Order Rx (Up to 90-Day Supply)
Generic
$20
Preferred Brand
$70
Non-Preferred Brand
$70
Specialty
Not covered
Plan Documents
Contact Information
One Medical Group
Benchling partners with One Medical, a boutique healthcare provider that offers an exceptional healthcare experience. It can be a cheaper, faster and more user-friendly alternative to urgent care or ER visits when you need care quickly and you’re not in an immediately life-threatening medical situation. One Medical can also be used for primary care and specialty appointments, making it a great option for employees who want high quality care in one easy, convenient place.
Eligibility: Enrolled in United Healthcare PPO, HDHP or EPO.
Access Care: In-Person at a One Medical Location or via 24/7 Virtual Care
Benchling covers the full cost of membership for you and your dependents. Membership can be activated here.
Benchling Company Code: BENCHXOM