We encourage our teammates to lead full, healthy lives—and offer medical benefits to support whatever choices you make for your care.


Medical benefits are available for teammates and their spouse/domestic partner and children.

Changes to benefits during the year are allowed only if you have a qualified life event.

Medical plan costs and other benefits

Get details about medical plan costs and other benefits options.

2024 medical premiums

Case Management Program

CarePlus Mobile Health

Virta: Diabetes reversal and weight loss

Family building benefits

Virtual physical therapy

Medical carriers

Choose a medical carrier that meets your needs. Depending on where you're located, TIH offers two medical plan carriers for teammates, spouses or domestic partners, and dependents.

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For 2024


Aetna has a broad provider network, which includes a large number of doctors, hospitals, and other providers across the country. It also has a lower-cost, narrow provider network available only in certain locations.

Kaiser Permanente

Kiser Permanente is a regional network available in certain locations that offers only in-network coverage. It’s available in:

  • California
  • Colorado
  • Georgia
  • Mid-Atlantic
  • Northwest
  • Washington

Other coverage

Teammates, spouses or domestic partners, and dependents covered by Aetna in 2024 are eligible to participate in the Case Management program, a free benefit that provides one-on-one support to individuals with complex health issues. Learn more about the Case Management program.

Teammates enrolled in a medical plan have 24/7 access to board-certified doctors, licensed nurses, and specialists through Teladoc.

Family building benefits from Ovia and Progyny provide resources to teammates who want to start or add to their family.

Medical plans

TIH offers these medical plans to our teammates:

  • a $500 preferred provider organization (PPO) with lower deductible
  • a $1,500 PPO with higher deductible (called Upfront Advantage)
  • a $250 accountable care organization (ACO) with a narrow network and lower deductible
  • a $2,500 HDHP with a health savings account (HSA)
  • a $4,000 HDHP with HSA
  • No-deductible exclusive provider organization (EPO)

Each plan has its own benefit features (like copays, deductibles, and other features). These features affect the costs you pay when you receive care.

All plans cover the same services, including prescription drugs. Plus, no matter which plan you choose, preventive care is covered at 100% (that’s no cost to you) when you stay in-network.

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2024 Aetna plans: What you pay

  $500 PPO $1,500 PPO $250 ACO $2,500 HDHP $4,000 HDHP
Providers In-network Out-of-network In-network Out-of-network In-network Out-of-network In-network Out-of-network In-network Out-of-network
Individual deductible $500 $1,000 $1,500 $3,000 $250 n/a $2,500 $5,000 $4,000 $8,000
Family deductible $1,000 $2,000 $3,000 $6,000 $500 n/a $5,000 $10,000 $4,000 individual in a family / $8,000 family $8,000 individual in a family / $16,000 family
Coinsurance after deductible: Your share / insurance share 10% / 90% 50%/ 50% 20% / 80% 50%/ 50% 0% / 100% n/a 20% / 80% 50% / 50% 20% / 80% 50% / 50%
Individual out-of-pocket maximum $1,500 $3,000 $2,500 $5,000 $1,250 n/a $4,000 $8,000 $5,500 $11,000
Family out-of-pocket maximum $3,000 $6,000 $5,000 $10,000 $2,500 n/a $8,000 $16,000 $5500 individual in a family / $11,000 family $11,000 individual in a family / $22,000 family
Primary care copay $30 50% 20% 50% $30 n/a 20% 50% 20% 50%
Specialist copay $40 50% 20% 50% $60 n/a 20% 50% 20% 50%
ER copay $150 $150 20% 20% $150 n/a 20% 20% 20%20%
Urgent care copay $40 50% 20% 50% $40 n/a 20% 50% 20% 50%

Medical premiums

Medical premiums are based on your Benefits Annual Rate (BAR). TIH offers premium lowering incentives through our Peak Health program. 

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Refer to your enrollment options in Workday to view eligible medical premiums.

Your medical premium cost could be offset by medical credits if you participate in and perform at the highest levels of the Peak Health program.

Understanding your benefit costs

Medical premiums, life insurance, and disability benefits are based on your Benefits Annual Rate (BAR). The BAR reflects your total annual cash compensation and your annual base pay.

Your BAR and other benefit premium costs will be shown in Workday.
Find it: View profile -> Actions -> Benefits -> View Benefits Annual Rate

Calculating BAR

Regular pay (annualized) as of September 30


Eligible cash bonuses, compensation, incentives, overtime, and premium pay from October 1 – September 30



For new hires, your BAR is your base pay alone. 

Medical plan services

TIH offers a wide range of services that can be used with each of our medical plans: Services in the physician's office, wellness services, allergy injections, diabetic supplies, inpatient and outpatient hospital services, rehabilitation and therapy services, chemotherapy services, mental health and substance abuse services, and more. 

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The following summaries of benefits coverage show how you and the plan share the cost for covered services for common medical issues. For detailed coverage, see the full plan descriptions.

Prescription drugs

Prescription drug coverage for each of our medical plans is available to you in person or through mail order. 

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For 2024, Aetna plans include prescription drug coverage through CVS Caremark. Learn more.  Kaiser Permanente has its own exclusive pharmacy benefits.

Get assistance

If you have questions about a medical program, please contact your provider.