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Plan/Group Number 701403
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UnitedHealthcare
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UnitedHealthcare
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Kaiser California
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Kaiser California
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Kaiser Oregon
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Kaiser Oregon
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HealthJoy
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HealthJoy
What You Need To Know
It’s a fact of life: At some point you’ll need medical care. Whether you’ve broken a bone, your kid has the flu, or you just need an annual checkup, Synopsys medical plans have you and your family covered.
Your Medical Plan Options
You have a choice of medical plans through UnitedHealthcare (UHC) and Kaiser Permanente, depending on where you live. Your cost per paycheck for medical coverage depends on which plan you choose and whether you cover any dependents.
All plans provide comprehensive coverage, including:
- Preventive care at no cost
- Prescription drug coverage
- An extensive network of medical providers and facilities
The Synopsys Health Savings (HS) Basic Plan
The Synopsys Health Savings (HS) Basic Plan
- This has the lowest paycheck contributions of all the plans.
- Highest deductible and out-of-pocket maximum. You’ll have less deducted from your paycheck, but you’ll pay more when you need care, because the full deductible must be met before the plan starts to pay.
- You can use any provider. You can visit any doctor, specialist, lab, or pharmacy, but your out-of-pocket costs will be lower when your providers are in the UHC Choice Plus network. (MA, NH, and ME employees also have access to the Harvard Pilgrim network and CA employees have access to the CA Select Plus network.)
- Paired with a tax-advantaged Health Savings Account to help you save on health care expenses, but Synopsys doesn’t contribute to your account.
The Synopsys Health Savings (HS) Standard Plan
The Synopsys Health Savings (HS) Standard Plan
- Paycheck contributions are higher than the Synopsys HS Basic Plan but lower than the Synopsys HS Premium Plan.
- You can use any provider. You can visit any doctor, specialist, lab, or pharmacy, but your out-of-pocket costs will be lower when your providers are in the UHC Choice Plus network. (MA, NH, and ME employees also have access to the Harvard Pilgrim network and CA employees have access to the CA Select Plus network.)
- Paired with a tax-advantaged Health Savings Account to help you save on health care expenses. Synopsys contributes to your account: $750 if you have employee-only coverage and $1,500 if you have employee + dependents coverage.
The Synopsys Health Savings (HS) Premium Plan
The Synopsys Health Savings (HS) Premium Plan
- Paycheck contributions are the highest of the UHC plans, but the deductible is the lowest. This means that you’ll have more deducted from your paycheck, but you’ll pay less when you need care.
- You can use any provider. You can visit any doctor, specialist, lab, or pharmacy, but your out-of-pocket costs will be lower when your providers are in the UHC Choice Plus network. (MA, NH, and ME employees also have access to the Harvard Pilgrim network and CA employees have access to the CA Select Plus network.)
- Paired with a tax-advantaged Health Savings Account to help you save on health care expenses. Synopsys contributes to your account: $1,000 if you have employee-only coverage and $2,000 if you have employee + dependents coverage.
Kaiser
Kaiser
- This is only available in California and Oregon.
- It has the lowest out-of-pocket maximum and no deductible.
- You can only use in-network providers (except for emergencies).
Transparency in Coverage
In response to the federal Transparency in Coverage Rule, UHC has created machine-readable files that include negotiated service rates and out-of-network allowed amounts between the UHC health plans and the health care providers. This lets you see your health care providers’ pricing information before you use their services.
Choosing a Medical Plan
Need Help Deciding?
Health Advocate offers personalized assistance to help you choose the right medical coverage for your needs.
UHC Plan Overview
| HS Basic Plan | HS Standard Plan | HS Premium Plan | |
|---|---|---|---|
| Health Savings Account* | Yes (no company contribution) | Yes (company contribution of $750 employee-only, $1,500 employee + dependents) | Yes (company contribution of $1,000 employee-only, $2,000 employee + dependents) |
| Your Cost per Paycheck | $ | $$ | $$$ |
| Preventive Care (network / non-network) | You pay $0 / You pay 40% after deductible | You pay $0 / You pay 30% after deductible | You pay $0 / You pay 30% after deductible |
| Calendar-Year Deductible** (network / non-network) | Employee-only coverage: $2,500 / $5,000 Family coverage: $5,000 / $10,000 | Employee-only coverage: $2,000 / $4,000 Family coverage: $4,000 / $8,000 | Employee-only coverage: $1,600 / $3,200 Family coverage: $3,200 / $6,400 |
| Calendar-Year Out-of-Pocket Maximum (network / non-network) | Employee-only coverage: $4,000 / $8,000 Family coverage: $8,000 / $16,000 | Employee-only coverage: $3,500 / $7,000 Family coverage: $7,000 / $14,000 | Employee-only coverage: $3,000 / $6,000 Family coverage: $6,000 / $12,000 |
| Lifetime Maximum | Unlimited | Unlimited | Unlimited |
| Coinsurance (network / non-network) | You pay 20% / You pay 40% plus any amount over the allowed amount | You pay 15% / You pay 30% plus any amount over the allowed amount | You pay 10% / You pay 30% plus any amount over the allowed amount |
| Physician Office Visits (network / non-network) | You pay 20% after deductible / You pay 40% after deductible | You pay 15% after deductible / You pay 30% after deductible | You pay 10% after deductible / You pay 30% after deductible |
| Lab Tests and X-Rays (not associated with preventive care) (network / non-network) | You pay 20% after deductible / You pay 40% after deductible | You pay 15% after deductible / You pay 30% after deductible | You pay 10% after deductible / You pay 30% after deductible |
| Emergency Room (network / non-network) | Emergency: You pay 20% after deductible Nonemergency: You pay 40% after deductible | Emergency: You pay 15% after deductible Nonemergency: You pay 30% after deductible | Emergency: You pay 10% after deductible Nonemergency: You pay 30% after deductible |
| Urgent Care (network / non-network) | You pay 20% after deductible / You pay 40% after deductible | You pay 15% after deductible / You pay 30% after deductible | You pay 10% after deductible / You pay 30% after deductible |
| Hospitalization (network / non-network) | You pay 20% after deductible / You pay 40% after deductible | You pay 15% after deductible / You pay 30% after deductible | You pay 10% after deductible / You pay 30% after deductible |
| Maternity (network / non-network) | You pay 20% after deductible / You pay 40% after deductible | You pay 15% after deductible / You pay 30% after deductible | You pay 10% after deductible / You pay 30% after deductible |
| Chiropractic Care (network / non-network) | You pay 20% after deductible / You pay 40% after deductible | You pay 15% after deductible / You pay 30% after deductible | You pay 10% after deductible / You pay 30% after deductible |
| Mental Health and Substance Abuse (network / non-network) | You pay 20% after deductible / You pay 40% after deductible | You pay 15% after deductible / You pay 30% after deductible | You pay 10% after deductible / You pay 30% after deductible |
* New hire or midyear life event contributions will be prorated based on the account activation date.
** Deductible applies to both in-network and non-network care.
Kaiser Plan Overview
| Kaiser California and Oregon | |
|---|---|
| Health Savings Account | No |
| Your Cost per Paycheck | $$ |
| Preventive Care | You pay $0 |
| Calendar-Year Deductible | None |
| Calendar-Year Out-of-Pocket Maximum | Employee-only coverage: $1,500 Family coverage: $3,000 |
| Lifetime Maximum | Unlimited |
| Coinsurance | You pay copays (or coinsurance) when you use Kaiser doctors and facilities There is no coverage if you use providers outside of the Kaiser network |
| Physician Office Visits | You pay $30 for primary care and $40 for specialty care visits |
| Lab Tests and X-Rays (not associated with preventive care) | You pay: $0 in CA / $30 per visit in OR |
| Emergency Room | You pay $125 per visit (in OR, waived if admitted) |
| Urgent Care | You pay $30 per visit |
| Hospitalization | You pay $400 per admission |
| Maternity | Plan pays 100% for prenatal care You pay $400 for hospitalization Maternity care may involve lab tests and other services, as described elsewhere in this summary |
| Chiropractic Care | You pay $15 per visit |
| Mental Health and Substance Abuse | You pay $30 per outpatient visit You pay $400 per inpatient admission |