Medical
Whether you have a chronic condition like high cholesterol or asthma, or your child comes down with the flu, your medical benefits have you covered.
To keep you and your family healthy, ZOLL offers three great medical plan options:
- Surest Plan
- Saver Plan with HSA
- PPO Plan
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 when enrolled in the Saver Plan with HSA or PPO Plan. Surest is also available to CMS employees in and around Pittsburgh, PA, but it is offered through UnitedHealthcare, not Aetna.
Hawaii Employees – Hawaii employees have access to all of ZOLL’s U.S. benefits, with medical coverage provided through HMSA. Contact your local HR Benefit Advocate with questions.
All plans provide:
- The same comprehensive medical coverage as well as Mental Health, Substance Use, and Fertility benefits. Remember, you will pay less when you use in-network providers.
- Prescription Drug benefits through OptumRx.
- Preventive Care at 100% when you stay in network.
The plans differ in your cost of coverage, tax-advantaged account eligibility and how the deductible and out-of-pocket costs are determined. Refer to the Medical Plan Comparison below.
Learn More about HSAs.
When you are not feeling well, it’s important to Know Where to Go for Care.
Medical Plans Highlight – 2025 (print version)
| 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.
The Surest plan is designed to help simplify health care by removing some of the more complicated aspects of it. With Surest, there are no deductibles or coinsurance, and all copayments, including those for prescription drugs, count toward a single annual out-of-pocket maximum.
The Surest Plan from UnitedHealthcare offers the ability to:
- Find cost and coverage information in advance by using the Surest app, logging into the Surest Member Portal online, or by contacting their Member Services team
- Access the large, national UnitedHealthcare provider network—one of the largest networks of doctors, clinics, and hospitals in the country
- Find quality, affordable care in your area, with lower prices indicating higher-value options
- See one copay for care or treatment, like office visits including labs and X-rays
With Surest, having the ability to see costs up front means you’re able to plan ahead to avoid unexpected surprises.
Enroll in Surest to see how simple health care can be!
- Schedule a personalized consultation with a Surest representative to learn how the plan can benefit you and your family
- Create your Surest account at Benefits.Surest.com or download the Surest app for information at your fingertips.
- Search for your current providers or explore other in-network options to compare service costs. You may even discover more affordable providers in your area.
- Browse no-cost or low-cost Virtual Care options in the Surest App
- Search by condition or service type and Surest will help you find affordable, local providers.
Need help finding care? Questions about costs and coverage?
Member Services is available at Benefits.Surest.com via chat and email or by calling the number on the back of your Surest member ID card. Click here for more information about the support options available to you through Surest’s Member Services.
Watch these videos to learn how the Surest Plan works.
4. How to use Surest at the doctor’s office
Visit the Surest blog to see frequently asked questions and learn What to know about the Surest plan when choosing insurance.
The Saver Plan with HSA is a Consumer Driven Health Plan (CDHP) that comes with a Health Savings Account so you can pay for eligible expenses now, or in the future. The Saver Plan works in three steps:
- Meet Your Annual Deductible – You are responsible for meeting your annual deductible for in-network and out-of-network medical care and most prescription drug coverage before the plan will start to pay. In-network preventive care, like your annual physical, is covered at 100%. Preventive care is not subject to the deductible. Check out the Preventive Drug List for Consumer Driven Health Plans to see if your preventive drug is subject to copay instead of deductible!
- Share the Cost of the Plan – Once you and your dependents meet the annual deductible, you and the plan share the cost. The plan pays 90% after the deductible for all in-network medical care is met. It’s important to keep in mind that if you are enrolled in employee + one or family coverage, the individual deductible for each member is waived. This means you and your covered dependents are sharing costs to meet the deductible.
- Reach the Out-of-Pocket Maximum – If you and your dependents meet the out-of-pocket maximum before the plan year ends, the plan will pay 100% of your medical care and prescription drug cost for the rest of the plan year. The individual out-of-pocket maximum is waived if you are enrolled in employee + one or family coverage. This means you and your covered dependents are sharing costs to meet the out-of-pocket maximum.
The PPO is a traditional Preferred Provider Organization Plan (PPO) that pays 90% coverage when you visit an in-network provider. When you enroll in a PPO you:
- Contribute more money toward your medical premium each paycheck
- Pay co-pays for most office visits, except for preventive care, like your annual physical, which is covered at 100%
- Have a lower out-of-pocket cost when utilizing in-network providers, but also have coverage for out-of-network providers
ZOLL offers you and your covered dependents up to $300 annually for expenses related to Qualified Health Club Memberships and Weight Loss Programs:
- The Reimbursements are offered per household, per calendar year for employees and/or their dependents enrolled in a ZOLL Medical Plan.
- Up to $150 can be reimbursed for each program per calendar year. This is up to $300 in reimbursable savings!
- The Fitness Reimbursement can be used for Qualified Health Club Memberships, which must have both cardiovascular (i.e., treadmills, bikes, elliptical machines) and strength training (i.e. free weights, weight machines) exercise equipment.
- Examples of Qualified Health Clubs can include YMCA, YWCA, LA Fitness, Bally’s, Lifetime Fitness, Boost Fitness, Best Fitness, community Fitness Centers, virtual fitness programs (i.e., Peloton), Crossfit, Yoga, Spin, and Barre.
- The Weight Loss Reimbursement can be used for Weight Watchers Traditional and Online programs, hospital-based weight loss programs (offered by and held at licensed hospitals) and other online weight loss programs such as NOOM and My Fitness Pal.
Click here for the Aetna Fitness and Weight Loss Reimbursement Form.
Aetna is available to employees located in the greater Pittsburgh, PA area only*
- The best way to submit your UHC Fitness and/or Weight loss Reimbursement Forms is in your MyUHC.com member portal. Not sure how? Click here for a step-by-step job aid that will show you.
- If you choose to mail your form to UHC’s P.O. Box, please retain a copy for your records. Processing times may vary. If you do not receive your reimbursement within 90 days after mailing it in, please contact your local HR Benefit Advocate
- Employees with Aetna may submit their form via fax or upload it to the Aetna Member Portal:
- Fax: 866-474-4040 (Attn: Claims)
- Portal – Go to messages and upload documents
UHC offers a variety of health and wellness presentations and articles designed to support healthier habits for you and your family throughout the year. Check out the Health and Wellness Resource Calendar to learn more.
New to ZOLL? Visit WhyUHC to compare our plan options and costs, and to check if your doctors and medications are in the UHC network.
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