Step 1: Compare the medical plans available to you – Blue Cross Blue Shield (BCBS), Surest, UnitedHealthcare Choice Plus (UHC) and High Deductible + HSA. Estimate what your out-of-pocket costs may be with each plan.

Health Plan	Plan Highlights
BCBS, Surest & UHC	In-network benefits are available with the Surest plan, national BCBS BlueCard plan, BCBS Select Network plans in designated locations, and the UHC Choice Plus plan. Out-of-network benefits are also available, but are more expensive since there are no negotiated provider discounts and the out-of-network deductible and out-of-pocket maximum are higher.
UHC High Deductible + HSA	There is no difference in benefits if you use an in-network or out-of-network provider. However, when you receive care from in-network providers, your plan costs are typically lower because UHC has negotiated discounts with in-network providers. NOTE: Fertility and Infertility Medications and Services are not covered under the High Deductible + HSA Plan

	Surest Plan		Blue Cross Blue Shield Plan and UnitedHealthcare Choice Plus Plan		UHC High Deductible + HSA Plan
	In-Network	Out-of-Network	In-Network	Out-of-Network	UHC High Deductible + HSA Plan
Deductible	N/A	N/A	$800 per person/$1,600 per family maximum	$1,600 per person/$3,200 per family maximum	$1,600 for single coverage/$3,200 for family coverage*
Out-of-Pocket Maximum	$3,400 per person/$6,800 per family	$6,800 per person/$13,600 per family	$3,900 per person/$7,800 per family	$7,800 per person/$15,600 per family	$4,400 for single coverage/$8,800 for family coverage** (combined medical and prescription drug out-of-pocket maximum)
Lifetime Maximum	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited
Retail Medical Clinic	$15 copay	No coverage	$10 copay per visit	30% coinsurance after the deductible	20% coinsurance after the deductible
Medical Virtual Visit (using prefered virtual provider network)	Covered at 100%	No coverage	$10 copay per visit	No Coverage	20% coinsurance after the deductible
Primary Care Office Visit	$15-$75 copay	$150	$40 copay per visit	30% coinsurance after the deductible	20% coinsurance after the deductible
Specialist Office Visit	$15-$75 copay	$150	$50 copay per visit	30% coinsurance after the deductible	20% coinsurance after the deductible
Maternity Office Visits (prenatal and postnatal)	Covered at 100%	Covered at 100%	$50 copay for initial visit, $0 copay thereafter	30% coinsurance after the deductible	20% coinsurance after the deductible
Childbirth / Delivery	$500-$1,500 copay per stay	$3,000 copay per stay	10% coinsurance after the deductible	30% coinsurance after the deductible	20% coinsurance after the deductible
Urgent Care Facility	$100 copay	$200 copay	$50 copay per visit	30% coinsurance after the deductible	20% coinsurance after the deductible
Emergency Room	$250 copay	$250 copay	$225 per visit; waived if admitted to a hospital	$225 per visit; waived if admitted to a hospital	20% coinsurance after the deductible
MRI/CT Scans	$125-$600 copay	$1,200 copay	10% coinsurance after the deductible	30% coinsurance after the deductible	20% coinsurance after the deductible
Home Health Care	$35 copay	$110 copay	10% coinsurance after the deductible	30% coinsurance after the deductible	20% coinsurance after the deductible
Durable Medical Equipment (DME)	$0-$1,000 copay	Up to $2,000 copay	10% coinsurance after the deductible	30% coinsurance after the deductible	20% coinsurance after the deductible
Inpatient Hospital and Physician Services	$500-$2,500 copay per stay	Up to $6,450 copay per stay	10% coinsurance after the deductible	30% coinsurance after the deductible	20% coinsurance after the deductible
Outpatient Surgical Services	$500-$2,500 copay	Up to $6,450 copay	10% coinsurance after the deductible	30% coinsurance after the deductible	20% coinsurance after the deductible
Well Baby	Covered at 100%	No coverage	Covered at 100%	No coverage	Covered at 100%
Physical Examinations and Immunizations	Covered at 100%	No coverage	Covered at 100%	No coverage	Covered at 100%
Mammography	Covered at 100%	No coverage	Covered at 100%	No coverage	Covered at 100%
Colonoscopy	Covered at 100%	No coverage	Covered at 100%	No coverage	Covered at 100%
Vision screening (routine exam)	Covered at 100%	No coverage	Covered at 100%	No coverage	Covered at 100%
Hearing screening (routine exam)	Covered at 100%	No coverage	Covered at 100%	No coverage	Covered at 100%

When you enroll in any of the medical plans offered by the company, you will automatically receive prescription drug coverage through CVS Caremark. Review the out-of-pocket costs associated with the prescription drug coverage using the chart below.

Prescription Drug Overview

	Surest Plan		Blue Cross Blue Shield Plan and UnitedHealthcare Choice Plus Plan		UHC High Deductible + HSA Plan
	Network Pharmacy	Non-network Pharmacy	Network Pharmacy	Non-network Pharmacy	Network Pharmacy	Network Pharmacy
Prescriptions					Preventive Medications***	Non-Preventive & Specialty Medications
Generic	You pay:	If you fill a prescription at a non-participating pharmacy but had access to a participating pharmacy, you will be reimbursed for the negotiated pharmacy cost minus the applicable in-network coinsurance. If you did not have access to a participating pharmacy, the in-network coinsurance will apply.	You pay:	If you fill a prescription at a non-participating pharmacy but had access to a participating pharmacy, you will be reimbursed for the negotiated pharmacy cost minus the applicable in-network coinsurance. If you did not have access to a participating pharmacy, the in-network coinsurance will apply.	You pay:	You pay 20% coinsurance after meeting the deductible
- 30-day supply at retail	$13 copay		$13 copay		$13 copay
- 90-day supply at a retail CVS pharmacy or through CVS Caremark mail order	$26 copay		$26 copay		$26 copay
Formulary Brand	You pay 20% coinsurance:		You pay 20% coinsurance:		You pay 20% coinsurance:
- 30-day supply at retail	$55 minimum, $190 maximum		$55 minimum, $190 maximum		$55 minimum, $190 maximum
- 90-day supply at a retail CVS pharmacy or through CVS Caremark mail order	$110 minimum, $380 maximum		$110 minimum, $380 maximum		$110 minimum, $380 maximum
Non-Formulary Brand	You pay 40% coinsurance:		You pay 40% coinsurance:		You pay 40% coinsurance:
- 30-day supply at retail	$55 minimum, $190 maximum		$55 minimum, $190 maximum		$55 minimum, $190 maximum
- 90-day supply at a retail CVS pharmacy or through CVS Caremark mail order	$110 minimum, $380 maximum		$110 minimum, $380 maximum		$110 minimum, $380 maximum
GLP-1 Medications prescribed for Weight Loss (e.g., Wegovy, Saxenda)	You pay 30% coinsurance, no minimum or maximum copay. Your coinsurance does not apply towards the prescription drug out-of-pocket maximum or the medical plan out-of-pocket maximum.		You pay 30% coinsurance, no minimum or maximum copay. Your coinsurance does not apply towards the prescription drug out-of-pocket maximum or the medical plan out-of-pocket maximum.		N/A	You pay 30% coinsurance after meeting the deductible. Your coinsurance does not apply towards the combined medical and prescription drug out-of-pocket maximum.
Infertility Medications	Covered at the generic/formulary/ non-formulary benefit levels shown above, as applicable		Covered at the generic/formulary/ non-formulary benefit levels shown above, as applicable		Infertility medications are not covered by this plan.	Infertility medications are not covered by this plan.
Specialty Drugs - exclusively available through CVS Specialty (limited to a 30-day supply)	$0 copay if participating with PrudentRx; 30% coinsurance if not participating with PrudentRx	Specialty medications not sourced though CVS Specialty Pharmacy are not covered.	$0 copay if participating with PrudentRx; 30% coinsurance if not participating with PrudentRx	Specialty medications not sourced though CVS Specialty Pharmacy are not covered.	Preventive Specialty medications are covered at the generic/formulary/non-formulary benefit levels shown above, as applicable	You pay 20% coinsurance after meeting the deductible
Annual Prescription Out-of-Pocket Maximum	$2,900 per person / $5,800 per family		$2,900 per person / $5,800 per family		There is no separate OOPM for prescriptions. Prescription drug cost sharing accumulates to the OOPM listed in the general section.

*For family coverage in the High Deductible + HSA Plan, the plan does not begin to cost share until the full family deductible is met.

**There is a $7,900 out-of-pocket maximum per individual with family coverage in the High Deductible + HSA Plan.

***Copays and coinsurance for preventive medications in the High Deductible + HSA Plan do not count towards the plan deductible, but do count towards the out-of-pocket maximum.

Step 2: Check to see which doctors, hospitals and specialists are available in each plan.

Included Health is a free service for Travelers medical plan members that matches you with doctors based on their quality and expertise. Included Health can help you find a high quality doctor in your area, obtain a second opinion from a leading specialist, or access information about a new diagnosis. Go to https://includedhealth.com/microsite/travelers/.

Health Plan	Instructions	Referrals Required
Surest	Surest uses the UnitedHealthcare Choice Plus Network. Visit join.surest.com/travelers (access code TRV2024) to search for providers. Click “Search Coverage” on the top navigation.	Enrollees do not have to select a primary care physician and referrals are not required to see a specialist.
BCBS	Use the BCBS provider directory. Click “Find Care” in the top navigation.
UHC	Use the UHC provider directory. Click “Find a Doctor” from the center navigation.
UHC High Deductible + HSA Plan	UHC High Deductible + HSA Plan enrollees have a passive network arrangement. There is no difference in benefits if you use an in-network or out-of-network provider. However, when you receive care from in-network providers, your plan costs are typically lower because UHC has negotiated discounts with in-network providers. Use the UHC provider directory. Click “Find a Doctor” from the center navigation.

Step 3: Compare the medical plan premiums.

You share the cost of your medical coverage with Travelers. Your share of the premium is based on:

• The medical plan that you choose
• The coverage level you select
• Your annual base salary (or full-time equivalent salary if you are part-time)
• Your smoker status and your spouse or domestic partner's smoker status if you elect coverage for them
• Your spouse or domestic partner's eligibility for subsidized medical coverage through their employer

You pay for your share of the premium with pre-tax dollars from your salary.

You can use the Rate Calculator to estimate your premiums.

Step 4: Decide which medical plan is best for you.

After you've compared the plan benefits, network and medical plan premiums you may be ready to enroll.

Note: If you have questions regarding your medical plan options or benefits, please contact the Employee Services Unit (ESU) at 4-ESU@travelers.com or 800.441.4378.

Step 5: Consider making contributions to a Health Care Spending Account.

Through pre-tax payroll deductions, the Health Care Spending Account provides an opportunity to fund qualifying health care expenses not covered by insurance, including deductibles, copays and coinsurance. Additional information can be found on the Health Care Spending Account page.*

Participants who elect to enroll in the UHC High Deductible + HSA Plan are not eligible to participate in a Health Care Spending Account (HCSA).

*This link is accessible only to employees logged into Travelers secure network.

Step 6. If you enroll in the UHC High Deductible + HSA Plan, you may be eligible for a Health Savings Account (HSA).

If you enroll in the UHC High Deductible + HSA Plan, you may be eligible to make pre-tax contributions into a Health Savings Account (HSA). For additional information on the HSA, visit the High Deductible + HSA overview page.*

*This link is accessible only to employees logged into Travelers secure network.