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Last updated date: 4/30/2025

Lineage works hard to provide many valuable benefit choices to help you and your family take care of your health and wellbeing and access quality care when you need it.

Overview

Your medical plan options include a range of coverage levels and costs, so you can choose the one that’s best for you. These plans are administered by UnitedHealthcare. If you are a Lineage team member whose work location and residence is in California, you may be able to choose Kaiser Permanente or UnitedHealthcare for your medical coverage.

You can enroll as a new hire, during Open Enrollment or if you have a Qualifying Life Event. To enroll and view plan rates, log in to Workday.

Key features

All of our medical plans provide:

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Comprehensive, affordable coverage

for a wide range of health care services.

Free in-network preventive care

with services such as annual physicals, recommended immunizations, and routine screenings all 100% covered.

Prescription drug coverage

provided by OptumRx for the UnitedHealthcare plans or Kaiser Permanente for the Kaiser Permanente DHMO plan.

Virtual Care

that lets you see a doctor from the comfort of home or wherever you are.

Financial protection

through out-of-pocket maximums that limit your annual costs.

2024/2025 medical plans

Lineage is pleased to offer three Preferred Provider Organization (PPO) plans through UnitedHealthcare. PPO plans have a network of providers and do not require a primary care provider (PCP) referral to see a specialist, giving you more flexibility to choose the providers you prefer to visit for care. With a PPO plan, you can save money by using doctors in the plan’s network.

If you are a Lineage team member whose work location and residence is in California, you may also have the option to enroll in the Kaiser Permanente Deductible Health Maintenance Organization (DHMO) plan.

Here are the high-level differences between the plan options. See Terms to Know for definitions of common terms.

Premium Plus PPO

Enjoy greater predictability of costs through copays for doctor visits and prescriptions, along with the lowest deductible in exchange for the highest premiums.

Details

Premium PPO

Reduce your out-of-pocket costs and have peace of mind through a lower deductible in exchange for higher premiums.

Details

Standard PPO

Choose the highest deductible and out-of-pocket maximum, along with fewer copays, in exchange for the lowest premiums.

Details

Kaiser Permanente Medical Coverage (California Only) – DHMO

Receive coverage for in-network care only, coordinated by your primary care provider (PCP).

Details

How much does Lineage medical coverage cost?

Lineage pays a generous portion of the cost of your medical coverage. You’ll pay the remaining amount through pre-tax deductions from your paycheck. The amount you pay will depend on which plan you choose and whether you cover just yourself or family members, too. You can view your plan costs in Workday.

Make the most of your medical plan

Log in to your medical plan website or download the mobile app to:

  • Find a doctor
  • Research costs
  • Manage claims
  • And much more

Get started by setting up an online account for your plan — UnitedHealthcare or Kaiser Permanente.

Medical Plan Comparison

UnitedHealthcare plans

Use this side-by-side plan comparison to understand key differences between the plans. You can select which plans to compare using the left button below. Click on a row to expand that section or click on the “Expand All” button to see everything at once.

Premium Plus PPO Premium PPO Standard PPO
Annual deductible (individual/family)
In-network $1,000 / $3,000 $2,000 / $6,000 $3,500 / $7,000
Coinsurance
In-network 20% 20% 20%
Annual out-of-pocket maximum (individual/family)
In-network $3,000 / $9,000 $6,000 / $12,000 $6,350 / $12,700
Health care visits: Your costs
Preventive care (in-network) You pay nothing, covered 100% You pay nothing, covered 100% You pay nothing, covered 100%
Primary care (in-network) $25 copay $40 copay $40 copay
Specialist (in-network) $25 copay $40 copay $40 copay
Inpatient mental health services (in-network) You pay 20%* You pay 20%* You pay 20%*
Outpatient mental health services (in-network) $25 copay $40 copay $40 copay
Telehealth (in-network) $25 copay** $40 copay** $40 copay**
Urgent care (in-network) $90 copay $90 copay You pay 20%*
Emergency room (in-network) First 3 visits per year: $230 copay per visit, then 20% coinsurance
After 3 visits: $275 copay per visit		 First 3 visits per year: $230 copay per visit, then 20% coinsurance
After 3 visits: $275 copay per visit		 You pay 20%*
Inpatient Hospital Care / Outpatient Surgery (in-network) You pay 20%* You pay 20%* You pay 20%*
Prescriptions – 30-day supply at retail pharmacy: Your costs
Generic $15 copay $15 copay You pay 20%*
Formulary $30 copay $30 copay You pay 20%*
Nonformulary Greater of $55 copay or 50% Greater of $55 copay or 50% You pay 20%*
Prescriptions – 90-day supply (mail order or retail pharmacy): Your costs
Generic $25 copay $25 copay You pay 20%*
Formulary $55 copay $55 copay You pay 20%*
Nonformulary Greater of $105 copay or 50% Greater of $105 copay or 50% You pay 20%*

* After deductible
** Copays are applicable only for standard physician office visits, mental health and dermatology appointments.

Which medical plan is right for me?

There are a few factors you should consider when choosing a medical plan:

  1. Your healthcare needs and habits. Are you anticipating any major life events next year, such as having a baby or scheduling surgery? Do you have a chronic condition that requires consistent health care, or do you rarely use your health coverage? Thinking through these questions will help you choose which level of coverage is sufficient to maintain you and your family’s health.
  2. Your prescriptions. Each plan offers different coverage for prescription drugs. Visit OptumRx for specific coverage offered by each UnitedHealthcare plan. Visit https://healthy.kaiserpermanente.org/front-door for information on Kaiser Permanente DHMO prescription drugs.
  3. Your spending habits. Would you rather pay more up front (in monthly premiums) or more at the time of care (toward your deductible)?

Transparency in coverage

The federal Transparency in Coverage Rules require certain group health plans to publicly disclose price and cost-sharing information. This information includes in-network provider rates as well as historical out-of-network allowed amounts and billed charges for covered items and services, which is to be shared via two separate machine-readable files (MRFs). The machine-readable files are formatted to allow researchers, regulators and application developers to more easily access and analyze data. The MRFs for Lineage’s medical plan carrier(s) can be found below:

Want more information on your options?

The benefit coverage details for UnitedHealthcare can be found in the Summary of Benefits and Coverage (SBC) documents on this page and on your Benefits and Wellbeing Dashboard in Workday.

Premium Plus PPO

How the Premium Plus PPO Plan works

The Premium Plus PPO offers greater predictability of costs through copays for doctor visits and prescriptions, along with the lowest deductible in exchange for the highest premiums. You can see any provider, but you’ll pay less by staying in network.

You pay a small fee at the time of service for doctor visits and prescriptions. Copays do not count toward your deductible, but they do count towards your out-of-pocket maximum.

Copay

For care that doesn’t charge a copay, such as hospital services, you pay 100% of the costs until you meet the annual deductible.

Deductible

After meeting the deductible, you and the plan share the cost of certain services, with the plan paying the majority.

Coinsurance

You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.

Out-of-Pocket Maximum

Save money with an FSA!

Take advantage of tax-free savings for health care payments with a Flexible Spending Account (FSA). However, plan your FSA contributions carefully: money in your FSA does not carry over to the next plan year; you must “use it or lose it.” You can only carry over up to $660 of unused money in your FSA to the next year; you will forfeit any remaining amount above $660. Please note that you must enroll in the FSA again during Open Enrollment in order to carry over the remaining amount to the following plan year.

Premium PPO

How the Premium PPO Plan works

The Premium PPO provides protection and peace of mind in exchange for mid-range premiums. While you’ll pay higher monthly premiums than the Standard PPO, you’ll benefit from a lower deductible, predictable copays and reduced out-of-pocket costs.

You pay the plan premiums from your paycheck to have coverage. When you receive in-network preventive care, you pay nothing — it’s covered in full! If you need non-preventive care, it works like this:

You pay a small fee at the time of service for doctor visits and prescriptions. Copays do not count toward your deductible, but they do count towards your out-of-pocket maximum.

Copay

For care that doesn’t charge a copay, such as hospital services, you pay 100% of the costs until you meet the annual deductible.

Deductible

After meeting the deductible, you and the plan share the cost of certain services, with the plan paying the majority.

Coinsurance

You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.

Out-of-Pocket Maximum

Save money with an FSA!

Take advantage of tax-free savings for health care payments with a Flexible Spending Account (FSA). However, plan your FSA contributions carefully: money in your FSA does not carry over to the next plan year; you must “use it or lose it.” You can only carry over up to $660 of unused money in your FSA to the next year; you will forfeit any remaining amount above $660. Please note that you must enroll in the FSA again during Open Enrollment in order to carry over the remaining amount to the following plan year.

Standard PPO

How the Standard PPO Plan works

Lineage’s Standard PPO features the lowest monthly premiums but comes with the highest deductible and out-of-pocket expenses. If you anticipate visiting the doctor’s office for mostly preventive care and require minimal prescription medications, the Standard PPO may be a suitable fit for your healthcare needs.

You pay the plan premiums from your paycheck to have coverage. When you receive in-network preventive care, you pay nothing — it’s covered in full! If you need non-preventive care, it works like this:

You pay a small fee at the time of service for doctor visits. Copays do not count toward your deductible, but they do count towards your out-of-pocket maximum.

Copay

For care that doesn’t charge a copay, such as prescriptions, urgent care and hospital services, you pay 100% of the costs until you meet the annual deductible.

Deductible

After meeting the deductible, you and the plan share the cost of certain services, with the plan paying the majority.

Coinsurance

You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.

Out-of-Pocket Maximum

Save money with an FSA!

Take advantage of tax-free savings for health care payments with a Flexible Spending Account (FSA). However, plan your FSA contributions carefully: money in your FSA does not carry over to the next plan year; you must “use it or lose it.” You can only carry over up to $660 of unused money in your FSA to the next year; you will forfeit any remaining amount above $660. Please note that you must enroll in the FSA again during Open Enrollment in order to carry over the remaining amount to the following plan year.

Kaiser Permanente Medical Coverage (California Only) — DHMO

If your work location and residence is in California, you may be able to choose Kaiser Permanente or UnitedHealthcare for your medical coverage.

Coverage through Kaiser Permanente works differently than through UnitedHealthcare. The Kaiser Permanente Deductible Health Maintenance Organization (DHMO) plan provides coverage only when you receive care from providers within the DHMO network. (If you require urgent or emergency care from a provider outside the network, however, those services will be covered.)

If you join the Kaiser Permanente DHMO, you select a primary care physician (PCP) to coordinate all of your care and refer you to specialists and/or hospitals in the Kaiser Permanente network. You may choose a different PCP for yourself and each of your covered dependents.

DHMO*
Annual deductible (individual/family)
In-network $500 / $1,000
Coinsurance
In-network 10%
Annual out-of-pocket maximum (individual/family)
In-network $2,000 / $4,000
Health care visits: Your costs
Preventive care (in-network) You pay nothing, covered 100%
Primary care (in-network) $20 copay
Specialist (in-network) $20 copay
Inpatient mental health services (in-network) 10% coinsurance
Outpatient mental health services (in-network) 10% coinsurance, up to $5 a day, deductible does not apply
Mental / behavioral health / substance abuse $20 / individual visit, deductible does not apply
Telehealth (in-network) for primary care You pay nothing, covered 100%
Urgent care (in-network) $20 copay
Emergency room (in-network) You pay 10% after deductible
Inpatient Hospital Care / Outpatient Surgery (in-network) You pay 10% after deductible
Prescriptions – 30-day supply at retail pharmacy: Your costs
Generic $10 copay
Preferred Brand $30 copay
Non-Preferred Brand $30 copay
Specialty You pay 20%; max of $150
Prescriptions – 90-day supply (mail order or retail pharmacy): Your costs
Generic $20 copay
Preferred Brand $60 copay
Non-Preferred Brand $60 copay

* In network rates only. If you use out of network providers, you will pay more for care.

How the DHMO works

You pay the plan premiums from your paycheck to have coverage. When you receive in-network preventive care, you pay nothing — it’s covered in full! If you need non-preventive care, it works like this:

You pay a small fee at the time of service for doctor visits and most prescriptions. Copays for some services may count toward your deductible.

Copay

For care that doesn’t charge a copay, such as hospital services, you pay 100% of the costs until you meet the annual deductible.

Deductible

After meeting the deductible, you and the plan share the cost of certain services, with the plan paying the majority.

Coinsurance

You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.

Out-of-Pocket Maximum

Do you have a primary care provider (PCP)?

An HMO requires you to select a PCP who will manage your care and provide referrals if you need to see a specialist. Find a doctor >>

Want more information on your options?

The benefit coverage details for Kaiser Permanente can be found in the Summary of Benefits and Coverage (SBC) documents here on this site and on your Benefits and Wellbeing Dashboard in Workday.

Save money with an FSA!

Take advantage of tax-free savings for health care payments with a Flexible Spending Account (FSA). However, plan your FSA contributions carefully. Money in your FSA does not carry over to the next plan year; you must “use it or lose it.” You can only carry over up to $660 of unused money in your FSA to the next year; you will forfeit any remaining amount above $660. Please note that you must enroll in the FSA again during Open Enrollment in order to carry over the remaining amount to the following plan year.

Prescription Drugs

When you enroll in a Lineage medical plan, you automatically receive prescription drug benefits through OptumRx or Kaiser Permanente based on the plan you choose.

Drug tiers

The cost of your prescription drugs under each medical plan depends on the type of medication you need. Each prescription provider has a list of covered drugs, called a formulary, which ranks medications by effectiveness and cost. This list decides how much you pay for your prescriptions. Remember, the formulary can change due to regular updates and reviews.

Find formulary information for your medical plan:

Learn about the drug tiers

Generic drugs
Preferred drugs
Non-preferred drugs

You pay: $

Generic drugs have the same main ingredients as brand-name drugs and are just as safe and effective, but they usually cost a lot less.

You pay: $$

Preferred drugs are brand-name medicines that are on the plan's list and are recommended by OptumRx and Kaiser Permanente.

You pay: $$$

Non-preferred drugs are brand-name medications not preferred by OptumRx and Kaiser Permanente. They might still be covered, but you may need to get approval first, and they could cost more.

Save money on prescriptions

Ask your doctor about generic medications

They usually work just as well as brand-name medications but typically cost 80-85% less.

Check the formulary

If generic isn’t available, check the OptumRx formulary and Kaiser Permanente for a full list of affordable, preferred drugs in your plan. Brand-name medicines that aren’t on the list might need approval, or prior authorization, from your doctor first.

Why use home delivery?

  • Free shipping on prescriptions
  • No waiting in line at the pharmacy
  • Reduced cost for a three-month supply
  • Convenient, automatic refills

Prescription programs

Your pharmacy benefits include programs that help keep you safe and make sure you get the most appropriate and affordable medication for your needs.

Specialty medication

All prescriptions for specialty medications that treat certain conditions (such as rheumatoid arthritis, multiple sclerosis or psoriasis) must be filled through the OptumRx Specialty Pharmacy or Kaiser Permanente.
Availability for mail orders varies by item, so members are encouraged to talk to their local pharmacy.

Dispense as written (DAW)

If your doctor writes "DAW" on a brand-name prescription when a generic option is available, you will have to pay the full price for the brand-name drug. Without DAW, you would also pay the difference in cost between the brand-name and the generic drug.

Prior authorization

Some medications need approval, or prior authorization, from your doctor before they can be covered by your plan. This is to make sure the medication is the right choice for you.

Step therapy

Step therapy requires you to try the more affordable medications that are appropriate for your condition before you can get approval for insurance to cover the more expensive options.

Prescription tools

Visit your prescription plan website or download the mobile app to manage your prescriptions, order refills, sign up for home delivery and more. Get started by creating an online account on the OptumRx website or Kaiser Permanente website. Download the OptumRx app on the Apple Store or Google Play. Download Kaiser Permanente app on the Apple Store or on Google Play.

Find a Doctor

Using in-network providers saves you money. Here’s how to find doctors in your medical plan network.

UnitedHealthcare

  • Log on to whyuhc.com/welcometouhc
  • Select “Find a Doctor”
  • Choose “Choice Plus” as your plan
  • Enter your search criteria

Kaiser Permanente

  • Visit the Kaiser Permanente website
  • Click Doctors & Locations
  • Select “Region”
  • The search results for doctors or locations will be limited to a 10-mile radius from the ZIP code entered - enter your location in the “Search For” box

Please note: You must get care through the Kaiser Network; out-of-network care isn’t covered.

Don’t have a personal doctor? You should. Here’s why.

  • Better health. Yearly health screenings can reduce your risk for many serious conditions. Preventive care is free, so there’s no excuse to skip it.
  • Greater savings. Having a doctor you can call helps you avoid costly trips to the emergency room.
  • Peace of mind.Your personal doctor gets to know you and your health history, provides advice you can trust, and helps coordinate your care.

Please note: If you are enrolled in the Kaiser Permanente DHMO, it is required for you to select a primary care physician to coordinate your care and offer referrals if you need to see a specialist.

Telehealth

Speak to a doctor from the comfort of your own home

Choosing your medical coverage is only the first step. Consider using telehealth for non-emergency medical or behavioral healthcare — it’s available wherever you are. Telehealth does not replace your primary care physician or emergency services, but it can be a quick and cost-effective way to speak with a medical professional.

If you enroll in a UnitedHealthcare plan, you receive telehealth services through Teladoc at no additional cost to you*.

Call 1-800-835-2362 or visit Teladoc to get started.

If you are enrolled in a Kaiser Permanente plan, telehealth services are also provided. Visit Kaiser Telehealth to view all your options for video and phone visits.

* Copays are applicable only for mental health and dermatology appointments.

Teladoc can help you:

  • Refill prescriptions. Consult with a doctor online who can quickly review your needs and authorize refills without an in-person visit.
  • Treat general illnesses. Get help dealing with a minor illness like a cold, flu or sinus infection by speaking with a doctor about your symptoms.
  • Deal with mental health concerns. Access licensed mental health experts from your home via phone or video, in support of your mental wellbeing.
  • Clear up a skin issue. Get a treatment plan for common skin issues through an online expert review.
  • Quit tobacco. Take advantage of personalized coaching, 24/7/365 hotline support, doctor-prescribed medications (if needed) and ongoing virtual support to help you quit.

Consider Your Immediate Care Options

If you want to see a doctor but aren’t having a medical emergency, telehealth services and urgent care facilities offer more cost-effective care. No matter which medical plan you choose, a telehealth or urgent care visit should cost you less than a visit to the emergency room.

Of course, if you are experiencing an emergency, you should go to the emergency room —Lineage’s plans can help cover the cost.

Health Care Cost Estimators (UHC, Kaiser)

Lineage is committed to helping you and your family be prepared for a variety of health challenges with transparency and information about your health care costs.

Estimate Your Health Care Costs

If you enroll in a UnitedHealthcare plan:

Use the myHealthcare Cost Estimator on UnitedHealthcare or on the UnitedHealthcare Health4Me mobile app to see how your costs are impacted by your deductible and out-of-pocket maximum.

Search for a condition or a treatment (like back pain or physical therapy) and the estimator will show you nearby doctors that provide those services. You can compare costs, see quality ratings and map out where to go for treatment. Prices may vary for the same procedure because different doctors charge different amounts.

If you enroll in a Kaiser Permanente plan:

Visit kp.org/costestimates and log in to use Estimates, which can give you a general idea of what you’ll pay for common exams, tests and services. Search for a service you need and Estimates will consider the average cost of that service in your area and your personal plan benefits to provide a range of likely costs.