Medical

The Preferred Provider Organization (PPO) Plus plan offers you the freedom to see any health care professional, including specialists, without a referral by a primary care physician.

The plan provides in-network coverage through either UnitedHealthcare or Anthem (depending on your home address) and also out-of-network coverage.

• UnitedHealthcare (UHC): Arkansas, Colorado, Florida, Nebraska, North Carolina and Tennessee
• Anthem: All other states except Hawaii

Remember, using in-network providers will save you money on your health care. Find an in-network provider through the Anthem or UHC websites or apps, or call the number on your ID card.

With the PPO Plus plan, you can contribute to a health care spending account (HCSA) and use your before-tax contributions to cover eligible medical expenses, including your deductible, copays and coinsurance.

With the High Deductible Plan (HDP), you have access to the same great in-network and out-of-network coverage as the PPO Plus plan. However, you’ll pay the full cost of medical and prescription drugs—except for preventive care, which is always free—until you meet the plan deductible. Once you meet the deductible, the plan will pay 80% of eligible in-network costs, and you’ll pay 20% coinsurance—until you meet your annual out-of-pocket limit. Once you meet that limit, the plan will pay 100% of all additional eligible costs for the remainder of the calendar year.

To help you cover your deductible, the HDP is paired with a tax-saving health savings account (HSA) that you and Verizon contribute to. You can use your HSA funds to pay for current and future qualified medical, dental and vision expenses—even in retirement. You can also enroll in a limited-purpose health care spending account (HCSA) and use your before-tax contributions to cover eligible dental and vision expenses only.

Like the PPO Plus, the HDP provides in-network coverage based on your home address through either UnitedHealthcare or Anthem, and out-of-network coverage too.

• UnitedHealthcare (UHC): Arkansas, Colorado, Florida, Nebraska, North Carolina and Tennessee
• Anthem: All other states except Hawaii

Remember, using in-network providers will save you money on your health care. Find an in-network provider through the Anthem or UHC websites or apps, or call the number on your ID card.

If you cover any dependents, you will need to satisfy the full family deductible before the HDP covers eligible costs.

Under this plan, you and your covered dependents are not eligible to participate in Hinge Health or 2nd.MD benefits.

Knowing health care prices in advance can help you make the best decisions. If you live in Arkansas, Colorado, Florida, Nebraska, North Carolina or Tennessee, you can choose the Surest Copay Plan.

This plan from UnitedHealthcare allows members to check costs and compare care options before making an appointment. No deductibles. No coinsurance. No hard math to figure out. Just clear, up-front prices and fixed copays that you can see in advance. The plan uses UHC’s national Choice Plus network of doctors, clinics and hospitals.

With fixed copays, prices are grouped into health care events, so there are no surprise bills down the road, and lower prices are assigned to higher-value options based on quality, efficiency and effectiveness. For example, the copay for an office visit includes standard labs and X-rays, and a surgery copay includes surgeon, anesthesiologist and facility fees. You pay the cost quoted for the service and no more.

With this plan, virtual doctor visits are offered at no cost to you.

Here’s how it works:

• Before seeking care, search for local providers on the Surest app or Surest website, using access code: verizon2025.
• You’ll get a list of eligible providers in your area, along with the cost of services for each provider.
• Compare provider costs, and choose the option that best meets your needs.

With this plan, you can contribute to a health care spending account (HCSA) and use your before-tax contributions to cover eligible medical expenses, including fixed copays.

The Exclusive Provider Network (EPN) plan is closed to new participants, but if you’re currently enrolled in this plan, you can continue your coverage. If you live in Arkansas, Colorado, Florida, Nebraska, North Carolina or Tennessee, UnitedHealthcare administers the plan. Anthem administers the plan in all other states.

With the EPN, you can contribute to a health care spending account (HCSA) and use your before-tax contributions to cover eligible medical expenses, including your deductible, copays and coinsurance.

The EPN will be discontinued in 2026.

Kaiser Permanente HMOs are available in California, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington and Washington, D.C., based on eligible ZIP codes.

Kaiser has its own network of doctors and hospitals. You must select a primary care physician, and most specialist appointments require a referral. You can only use Kaiser providers, except in an emergency.

Although they come with a higher per-paycheck contribution than the PPO Plus or HDP, the HMOs have no deductible to meet.

With a Kaiser HMO, you can contribute to a health care spending account (HCSA) and use your before-tax contributions to cover eligible medical expenses, including your copays.

Administered by Hawaii Medical Service Association (HMSA), Health Plan Hawaii Plus is available only to residents of Hawaii.

This plan has no deductible and requires copays or coinsurance, depending on the service. You must select a primary care physician, and most specialist appointments require a referral. You can only use in-network providers, except in an emergency.

With this plan, you can contribute to a health care spending account and use your before-tax contributions to cover eligible medical expenses, including your deductible, copays and coinsurance.

If you opt to waive medical coverage through Verizon, you won’t be able to enroll for coverage until the next Annual Enrollment, unless you have a qualifying life event.

Note: If you live in California, Massachusetts, New Jersey, Rhode Island, Vermont or Washington, D.C., you’ll pay a tax penalty if you don’t have medical coverage.