Choose from three national medical plans and get access to one of the largest networks in the country with UnitedHealthcare (UHC). Use whyuhc.com/thermofisher to find in-network providers and facilities. Prescription drug coverage is included with your national medical plan through industry leader Express Scripts. Use express-scripts.com/thermofisher for coverage questions on prescriptions.
In-Network Highlights
| BASIC HDHP | CORE HDHP | PPO | |
|---|---|---|---|
|
Annual Deductible |
$2,250 Individual / $4,500 Family |
$1,750 Individual / $3,500 Family |
$500 Individual / $1,000 Family |
|
Coinsurance |
You pay 20% |
You pay 20% |
You pay 10% |
|
Annual Out-of-Pocket Maximum includes deductible, copays and coinsurance |
$5,500 Individual / $11,000 Family |
$4,000 Individual / $8,000 Family |
$2,000 Individual / $4,000 Family |
|
Preventive Exams & Tests including routine physicals, gynecological exams, mammograms |
You pay nothing |
You pay nothing |
You pay nothing |
|
Non-Preventive Lab Work — Independent Lab such as LabCorp |
You pay nothing, after deductible |
You pay nothing, after deductible |
You pay nothing |
|
Non-Preventive Lab Work — Physician’s Office |
You pay 20%, after deductible |
You pay 20%, after deductible |
You pay 10%, after deductible |
|
Office Visits — PCP |
You pay 20%, after deductible |
You pay 20%, after deductible |
You pay $25 copay |
|
Office Visits — Specialist |
You pay 20%, after deductible |
You pay 20%, after deductible |
You pay $40 copay |
|
Urgent Care |
You pay nothing, after deductible |
You pay nothing, after deductible |
You pay $50 copay |
|
Emergency Room |
You pay 20%, after deductible |
You pay 20%, after deductible |
You pay 10%, after deductible |
|
Mental Health, Behavioral Health and Substance Abuse Services — Outpatient |
You pay 20%, after deductible |
You pay 20%, after deductible |
You pay $25 copay |
|
Mental Health, Behavioral Health and Substance Abuse Services — Inpatient |
You pay 20%, after deductible |
You pay 20%, after deductible |
You pay 10%, after deductible |
|
Life Services Global Program |
Connect with a care concierge (called a Care navigator) through Spring Health to find and maintain the right level of care for your mental health. Through this benefit, you’ll have access to a broad and diverse network of licensed therapists, psychologists and psychiatrists. Visit thermofisher.springhealth.com for more information. |
Connect with a care concierge (called a Care navigator) through Spring Health to find and maintain the right level of care for your mental health. Through this benefit, you’ll have access to a broad and diverse network of licensed therapists, psychologists and psychiatrists. Visit thermofisher.springhealth.com for more information. |
Connect with a care concierge (called a Care navigator) through Spring Health to find and maintain the right level of care for your mental health. Through this benefit, you’ll have access to a broad and diverse network of licensed therapists, psychologists and psychiatrists. Visit thermofisher.springhealth.com for more information. |
|
Prescription Drug Coverage — Express Scripts |
|||
|
Deductible |
N/A; included in medical plan deductible |
N/A; included in medical plan deductible |
$250 Individual / $500 Family
|
|
Out-of-Pocket Maximum |
N/A; included in medical plan out-of-pocket maximum |
N/A; included in medical plan out-of-pocket maximum |
$4,000 Individual / $8,000 Family, separate from the medical OOPM |
|
Retail up to 31-day supply |
After you meet the annual deductible:
|
After you meet the annual deductible:
|
|
|
Mail Order up to 90-day supply |
After you meet the annual deductible:
|
After you meet the annual deductible:
|
|
Please note: Specialty Rx is covered at Brand non-formulary and limited to a 31-day supply per fill.
What to Expect
Colleague Contributions: To better understand and compare costs, view full-time colleague contributions for 2026 here. If you choose to cover your spouse/domestic partner and they have access to subsidized medical coverage through their employer, you will pay an additional $150 per month for coverage.
ID Cards: If you are new to UHC or updated your enrollment, you will receive both a UHC medical plan ID card and an Express Scripts ID card mailed to your home address.
Find Your Provider: Use whyuhc.com/thermofisher to find in-network providers and facilities.
Virtual Visits
UHC medical plan participants can visit the UHC member site to schedule a virtual visit. A wide range of treatments and therapies can be provided for these general virtual care options.
- Primary Care: Schedule a virtual appointment with a PCP and get care from the comfort and privacy of home.
- 24/7 Virtual Visits: Allow you to talk with a provider 24/7 for common urgent care needs (e.g., allergies, pink eye, common cold or seasonal flu) or when your PCP is not available. Many providers can also prescribe some medications and have them sent to your local pharmacy.
- Behavioral Health Care: For when you’re dealing with life challenges, feeling stressed, or need to speak with a psychiatrist or therapist.
- Specialty Care: Allows you to more quickly access specialty care for needs such as dermatology, gastroenterology and speech therapy.
Surgery Network of Excellence™
Lantern’s Network of Excellence™ provides you access to the highest-quality care for many planned non-emergency surgery or procedures. When you use Lantern, you’ll pay minimal costs for your procedure, ensuring affordable and exceptional care. Your Lantern Care Advocate will consult with you one-on-one, explain your coverage, and help you with scheduling, medical records, and follow-up making the process as smooth for you as possible. Visit lanterncare.com/thermofisher to learn more.
Requirement for bariatric surgery: Starting April 1, 2026, if you or a dependent plan to have bariatric surgery, coverage will be provided only if you work with Lantern and have the procedure done by a Lantern-affiliated surgeon. There will be no coverage if you choose not to use Lantern. Exceptions may be made if you live more than 100 miles from a Lantern facility.
Prescription Drug Coverage
To save you time and money and to avoid a penalty, some of your medications may need to be filled through a specific type of pharmacy. The PPO and HDHP plans have a mandatory mail order program for maintenance medications, which helps ensure costs are as low as possible. After your third maintenance medication fill at a retail pharmacy, you must fill your maintenance medication through the mail order service.
If you continue to fill your maintenance medication after the third fill at a retail pharmacy, you will pay 100% of the cost and this amount will not apply to your deductible or out of pocket accumulators. In order to avoid paying 100% of the cost, after the second fill of the maintenance medication at the retail pharmacy, please ask your doctor to submit a new prescription to be filled at the Express Scripts (ESI) home delivery pharmacy.
Specialty Medications must be filled through Accredo, the specialty pharmacy for ESI. You will pay 100% of the cost for any specialty medication filled at any pharmacy other than Accredo. The 100% cost will not apply to your deductible or out-of-pocket maximums.
Note on GLP-1 medications for weight loss: Starting January 1, 2026, to receive coverage of GLP-1 medications for weight loss, you will need to enroll in 9amHealth and participate in a virtual healthy lifestyle support program. Learn more.
Note on fertility medications: Starting January 1, 2026, there will be a lifetime maximum of $15,000 for fertility medications. For questions about coverage, contact Express Scripts. For free virtual support on your path to parenthood, including help understanding your fertility benefits and finding providers, visit Maven.
You may be contacted by PillarRx about a copay assistance program that can save you money on specialty medications. Watch for more information mailed to you from PillarRx if this applies to you.
