Watch the Open Enrollment Video to learn about your 2025 benefits.
To watch with Spanish subtitles click here.
Our benefits menu has some exciting changes for 2025!
You will have more choices, more value, and more control over your health care expenses in 2025. With three medical plan options and a new personalized decision support tool, along with other great changes, your 2025 benefits are designed to help you and your family lead healthy and rewarding lives.
You will have three medical plan options in 2025 to give you more choices, more value, and more affordable health care.
- NEW! The Surest Plan from UnitedHealthcare, available to all employees.
- No deductible or coinsurance
- Upfront price transparency before you make an appointment
- Quality care at the most affordable price
Start exploring Surest today and see how simple health care can be. Visit the Surest pre-member website and enter access code ZOLL2025 to:
- Search for your current providers or other in-network providers to see the cost of services.
- Search by condition, or type of service, and Surest will help you find local providers.
- Schedule a personalized consultation with a Surest representative to learn how the plan could benefit you and your family.
Hungry for more?
Watch these videos to learn how the Surest Plan works.
4. How to use Surest at the doctor’s office
Can’t Decide What to Order? Pasito can help!
Choose and use your benefits with confidence. Pasito helps you understand which benefits make the most sense for you based on your unique financial, health, and family circumstances. With Pasito, you can:
- Explore your initial personalized benefit recommendations.
- Refine your information and test alternate benefit scenarios to further customize your recommendation.
Learn more about Pasito.
Give Pasito a try to see how it works.
Review our 2025 Open Enrollment Frequently Asked Questions.
Your three medical plan options all offer:
- Preventive Care at 100% when you stay in network.
- Prescription drug coverage through OptumRx.
- Broad national provider network.
- Comprehensive quality medical coverage.
The plans differ in your cost of coverage, tax-advantaged account eligibility, deductibles, and out-of-pocket costs.
| Medical Plan Highlights | |||
|---|---|---|---|
| Surest Plan In-Network* |
Saver Plan with HSA In-Network* |
PPO Plan In-Network* |
|
| Your Cost of Coverage each paycheck | Lowest | Higher | Highest |
| Tax Advantaged Accounts | Health Care Flexible Spending Account (FSA) | Health Savings Account (HSA) Limited Purpose Flexible Spending Account (FSA) |
Health Care Flexible Spending Account (FSA) |
| Network | All employees who enroll in the new Surest Plan will be in the UnitedHealthcare Network, including Cardiac Management Solutions (CMS) employees who live in and around Pittsburgh, PA. | Most ZOLL employees will receive medical coverage through UnitedHealthcare. Cardiac Management Solutions (CMS) employees who live in and around Pittsburgh, PA will receive the same coverage through Aetna. | Most ZOLL employees will receive medical coverage through UnitedHealthcare. Cardiac Management Solutions (CMS) employees who live in and around Pittsburgh, PA will receive the same coverage through Aetna. |
| Calendar year deductible | $0 | $1,800 Individual $3,600 Family |
$2,000 Individual $4,000 Family |
| Calendar year out-of-pocket maximum |
$5,000 Individual $10,000 Family |
$3,600 Individual $7,200 Family |
$4,500 Individual $9,000 Family |
| Annual HSA funding by ZOLL |
N/A | $650 Employee $1,300 Employee + 1 $1,300 Family |
N/A |
| Office visits: | |||
| Preventive care | Covered at 100%, no deductible |
Covered at 100%, no deductible |
Covered at 100%, no deductible |
| Diagnosis treatment | $10 to $65 | 10% after deductible | $30 copay, no deductible |
| Specialist | $10 to $65 | 10% after deductible | $45 copay, no deductible |
| Telemedicine – $ | Primary and Urgent $0 Specialty $0 to $65 |
Covered at 100% after deductible |
$15 copay, no deductible |
| Urgent Care – $$ | $35 | 10% after deductible | $30 copay, no deductible |
| Emergency room – $$$ | $375 | 10% after deductible | 20% after deductible |
| Inpatient care (includes physician and surgeon fees) |
$150 to $2,500 | 10% after deductible | 20% after deductible |
| Outpatient care (includes physician and surgeon fees) |
$15 to $2,500 | 10% after deductible | Covered at 100% after $150 copay per procedure |
| Maternity Care | Prenatal and Postnatal Care $0 Delivery $625 to $1,600 |
10% after deductible | 20% after deductible Inpatient: Covered at 100% after $150 copay per procedure |
| Hospital and other day surgical facility services | Procedures range from $150 to $2,500 | 10% after deductible | Inpatient: 20% after deductible Outpatient: $150 per admission, no deductible |
| Fertility Treatment (in-network coverage only) |
$100 to $1,500 LTM: $25,000 Medical $10,000 Rx |
10% after deductible LTM: $25,000 Medical, $10,000 Rx |
20% after deductible LTM: $25,000 Medical, $10,000 Rx |
| Hearing Benefit | Every 36 months $2,000 allowance per ear |
Every 36 months UHC: $2,000 allowance per ear Aetna: $4,000 allowance |
Every 36 months UHC: $2,000 allowance per ear Aetna: $4,000 allowance |
| CT scans, MRIs, PET scans and other high-end imaging | $75 to $550 | 10% after deductible | 20% after deductible |
| Diagnostic X-ray and lab | $0 | 10% after deductible | 20% after deductible |
| Mental hospital or substance abuse facility |
$75 to $1,600 | 10% after deductible | 20% after deductible |
| Short-term rehabilitation therapy, PT, and OT | $5 to $85 (up to 60 visits per calendar year) |
10% after deductible (up to 40 visits per calendar year) |
PCP: $30 copay, no deductible Specialist: $45 copay, no deductible (up to 40 visits per calendar year) |
| Best for Employees who… | …are looking for a plan with no deductible or coinsurance, transparent pricing before you make an appointment so you can choose your care based on location, provider, and cost. | …are actively engaged in decisions about their benefits. …are looking for short- and long-term savings opportunities. |
…want a plan design based on a copay/coinsurance structure, and don’t mind paying higher premiums. |
* The benefits outlined above are provided when you see in-network providers. Please refer to the UnitedHealthcare and Aetna summaries for a more detailed description of in-network and out-of-network coverage.
| Prescription Drugs – OptumRx – Plan Highlights | ||||
|---|---|---|---|---|
| Plan Feature | Retail Pharmacy (30-Day Supply) |
Home Delivery/Mail-Order (90-Day Supply) |
||
| Surest Plan | Saver Plan with HSA* or PPO Plan |
Surest Plan | Saver Plan with HSA* or PPO Plan |
|
| PPACA Drug List | $0 | $0 | $0 | $0 |
| Preventive Drug List for CDHP Plans | N/A | Saver Plan with HSA – Copay PPO Plan – N/A |
N/A | Two copays |
| Tier 1 | $5 | $10 | $15 | $20 |
| Tier 2 | $40 | $30 | $100 | $60 |
| Tier 3 | $60 | $45 | $150 | $90 |
| Applies to the plan out-of-pocket maximum | Yes | Yes | Yes | Yes |
* After deductible has been met
| 401(k) Savings Plan | |
|---|---|
| 2025 IRS Maximum Annual Contribution (from all sources) |
$23,500 |
| Age 50+ Catch-Up Contribution in 2025 | $7,500 |
| Age 60 – 63 (in current year) Super Catch-up Contribution in 2025* | $11,250 (includes $7,500 regular catch-up noted above) |
* Read all about the 2025 limits here.
| 2025 Health Savings Account Annual Limits | |||
|---|---|---|---|
| Coverage Level | ZOLL Contribution | Employee Contribution Maximum |
Combined Contribution Maximum |
| Employee | $650 | $3,650 | $4,300 |
| Family | $1,300 | $7,250 | $8,550 |
| Over 55 | You can contribute an additional $1,000 | ||
| Flexible Spending Account (FSA) | |||
|---|---|---|---|
| Who can participate? | 2025 Annual Limits | ||
| Health Care FSA | PPO Plan Members Surest Plan Members |
$3,300 | |
| Limited Purpose FSA | Saver Plan with HSA members | $3,300 | |
| Dependent Care FSA | All employees regardless of medical plan enrollment | $5,000, or $2,500 if married filing separately |
|
| Transportation FSA | San Jose Employees | $325 per month | |
Use Your Tools and Resources
- Visit ZOLLbenefits.com to learn more about your benefit options and what’s new for 2025.
- Explore the Surest pre-member site to see how it works, find your doctor or compare costs for an upcoming procedure.
- Let Pasito help you choose the right benefits with confidence, just by answering a few questions about your family, budget, and lifestyle.
- Review your 2025 Cost of Coverage.
- Get help from Health Advocate to better understand your benefits, confirm your providers are in the network, and choose the best coverage for your needs.
It’s time to explore your ZOLL Benefits and learn how they support your journey no matter which direction you are headed.
Focus on Your Health
In addition to your three medical plan options above, you have access to telemedicine, virtual behavioral health resources, and prescription drug benefits. You can get free health coaching and earn financial rewards through Healthy Hearts! Healthy You!
Support Your Family
ZOLL supports all families and provides you benefits that help you create your family, your way. IN 2025, Maven will replace WINFertility. With Maven, you will have access to the world’s largest virtual clinic, providing 24/7 support for pregnancy and menopause. Discover your financial reimbursement benefits for Adoption or Surrogacy costs, and learn about your paid parental leave and FMLA. And when you need to find quality child care, the Employee Assistance Program can help.
Get Fiscally Fit
Take advantage of tax savings by participating in the Health Savings Account (HSA) and Flexible Spending Accounts (FSAs). Explore financial tools to help you pay off debt, budget, and save for short-term and long-term goals. With the 401(k) plan and financial planning tools with CAPTRUST, you can create a solid financial foundation, now and for the future.
ZOLL provides employee Basic Life and AD&D Insurance at no cost to you. In 2025, Life and AD&D Insurance will be administered through New York Life. You must enroll if you want to purchase Voluntary Life & AD&D, Spouse Life, and/or Child Life during Open Enrollment (up to the Guaranteed Issue (GI) without Evidence of Insurability (EOI)). Any amounts elected over GI are subject to EOI). Please note: You MUST elect Voluntary Life coverage for yourself to purchase Spouse or Child Life Insurance. If you’ve previously elected Supplemental Life Insurance through Reliance Matrix or another former carrier, your coverage will roll over automatically. More information will be available soon.
Make Self-Care a Priority
ZOLL offers behavioral health and virtual services to get you the help you need, regardless of your medical plan enrollment. Our emotional well-being impacts every part of our lives. Whether it is lack of focus or energy for daily tasks, the inability to solve problems, or manage relationships, it is important to practice self-care so we know when it’s time to seek help.
Verify Your Beneficiaries
Open Enrollment is a good time to assign or update your beneficiaries, so your money goes where you want it to in the event of your death.
Designate or update your beneficiary online at netbenefits.com for your 401(k) or HSA, and Workday for your life insurance.