Medical Plans

When you enroll in a medical plan, you and your covered family members have coverage to help pay for the costs associated with illness or injury.

Your ORNL Medical Plans

ORNL offers you a choice of two medical coverage plans:

United Healthcare’s Consumer Choice Plus Plan is a high-deductible health plan that offers a Health Savings Account (HSA), a tax-advantaged account that helps you save on qualified medical expenses.
The Surest Medical Plan is a variable copay structure designed to provide you with greater flexibility and cost efficiency in managing your health care expenses. This plan is available to salaried employees only.

Key Features

Both plans offer the following:

You can use any doctor or health care provider available within the UHC nationwide network of providers or even a provider outside of the network at a higher cost.
Prescription drug coverage through Express Scripts and vision care through Vision Service Plan are included in your medical coverage.
Preventive care, such as annual routine physicals and age-appropriate screenings, are 100% covered when you use an in-network provider.
No referrals are required to see a specialist.
The WellOne Clinic is available for convenient, onsite access to primary care.

Medical Coverage Comparison Chart

Please see the chart below to compare the UHC Consumer Choice plan with the Surest plan, both in and out-of-network. For additional details, download the Surest and Consumer Choice Comparison or see the Salaried Summary Plan Description. For the Prescription Drug Copays Comparison chart, visit the Prescription Drugs page.

Medical Plan Features	UHC Consumer Choice	Surest (available to salaried employees only)
Individual Deductible Employee Only	$1,700	N/A
Family Deductible (cumulative) All other Coverage Levels	$3,400	N/A
Preventive Care	$0	$0
Medical Claims	10% coinsurance	Dependent upon services received and provider. Examples below.
Office Visit	10% coinsurance	$20-$75
Urgent Care	10% coinsurance	$35
Emergency Room Visit	10% coinsurance	$350
Individual Out-of-Pocket Maximum Employee Only	$2,500	$4,000
Family Out-of-Pocket Maximum (cumulative) All other Coverage Levels	$5,000	$8,000

Medical Plan Features	UHC Consumer Choice	Surest (available to salaried employees only)
Individual Deductible Employee Only	$2,500	N/A
Family Deductible (cumulative) All other Coverage Levels	$5,000	N/A
Preventive Care	30% coinsurance	$115
Medical Claims	30% coinsurance	Dependent upon services received and provider. Examples below.
Office Visit	30% coinsurance	$220
Urgent Care	30% coinsurance	$105
Emergency Room Visit	30% coinsurance	$350
Individual Out-of-Pocket Maximum Employee Only	$5,000	$8,000
Family Out-of-Pocket Maximum (cumulative) All other Coverage Levels	$10,000	$16,000

IRS Form 1095-C

Form 2025 1095-C is available upon request. The IRS has provided guidance for self-funded medical insurers, giving us a reprieve from mailing out 1095-C forms to anyone that was not a full-time employee any month during the calendar year. You can request to receive a copy of your 1095-C form by sending an email to ornlbenefits@ornl.gov or mail a written request to: ORNL Benefits, PO Box 2008, MS 6465, Oak Ridge, TN 37831-6465. If you have any questions, please contact Shari Keller at 865-576-7766.

To Find a Doctor

Visit myuhc.com or surest.comand use the Find a Doctor tool to learn more about your in-network providers and estimate your potential costs for services. You can also use the Surest app or call UHC at 844-234-7925 for more information.