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:
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.
2025/2026 medical plans
Lineage is pleased to offer two Preferred Provider Organization (PPO) plans and a High Deductible Health Plan (HDHP) with Health Savings Account (HSA) 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 maximum cost predictability with the lowest copays for doctor visits and prescriptions, along with the lowest deductible in exchange for the highest premiums.
Premium PPO
Reduce your out-of-pocket costs and have peace of mind through a moderate deductible and copays.
High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
Take charge of your spending through the lowest premiums and a tax-free Health Savings Account (HSA) with contributions from Lineage in exchange for the highest deductible.
Kaiser Permanente Medical Coverage (California Only) – DHMO
Receive coverage for in-network care only, coordinated by your primary care provider (PCP).
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 | HDHP | ||
|---|---|---|---|---|
| HSA features | ||||
| HSA-eligible | No | No | Yes | |
| Employer contribution (individual/family) | Not applicable | Not applicable | $250 / $500 | |
| 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 | You pay 20%* | |
| Specialist (in-network) | $50 copay | $55 copay | You pay 20%* | |
| 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 | You pay 20%* | |
| Teladoc (in-network) | $25 copay** | $40 copay** | You pay 20%* | |
| 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 | $30 copay | $30 copay | You pay 20%* | |
| Formulary | $60 copay | $60 copay | You pay 20%* | |
| Nonformulary | Greater of $110 copay or 50% | Greater of $110 copay or 50% | You pay 20%* | |
* After deductible
** Copays are applicable only for 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:
- 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.
- 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.
- 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 carriers 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.
Save money with an FSA!
Take advantage of tax-free savings for health care payments with a Healthcare 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. You’ll benefit from a moderate 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:
Save money with an FSA!
Take advantage of tax-free savings for health care payments with a Healthcare 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.
High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
Lineage’s High Deductible Health Plan (HDHP) with Health Savings Account (HSA) is designed to provide you with the flexibility to save for future healthcare costs. This plan includes an annual employer contribution to your Health Savings Account (HSA) of $250 for individual coverage / $500 for family coverage. The Lineage annual contribution is made over time, with a proportional amount deposited into your WEX HSA account every paycheck. The HSA is a triple-tax-advantaged account, allowing you to contribute, invest and grow your savings. The total amount that you and Lineage can contribute to your HSA in 2025/2026 is $4,300 for individuals and $8,550 for families. Additionally, team members who are 55 or older can contribute an extra $1,000 annually.
Important information about enrolling in the HSA
To contribute to an HSA, you must enroll in the HDHP. Team members will not be automatically enrolled and will not automatically receive the employer contribution without electing the HSA first. You will actively elect your HSA and choose your contribution amount during enrollment, but can change it anytime during the year. You can then manage your account through the WEX website.
How the HDHP 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:
Save money with an HSA and get a triple tax advantage!
- Contribute money tax-free. You contribute to your HSA through pre-tax payroll deductions. You can change, stop or restart your contributions anytime
- Spend money tax-free. Use your HSA to pay for eligible medical, dental and vision expenses for you and your family. Make payments with your HSA debit card or through the WEX website (provided sufficient funds are in your account) or reimburse yourself later
- Grow your money tax-free. The HSA works like a bank account, owned by you. All the money in your HSA is yours to keep – there is no “use-it-or-lose-it” rule. Anything you don’t spend rolls over each year. You can earn tax-free interest and even invest your money once it reaches a minimum balance, giving you the potential for tax-free growth and a way to plan ahead for future expenses. Even if you leave or retire, the funds you deposit are yours until you spend them on qualified health-related expenses
- And, get company funding! Lineage will contribute to your account tax-free! The employer contribution is made over time, with a proportional amount deposited into your HSA every paycheck. Both your personal contributions and Lineage’s contributions count towards the IRS contribution limits
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 | $750 / $1,500 | |||
| Coinsurance | ||||
| In-network | 20% | |||
| Annual out-of-pocket maximum (individual/family) | ||||
| In-network | $3,000 / $6,000 | |||
| Health care visits: Your costs | ||||
| Preventive care (in-network) | You pay nothing, covered 100% | |||
| Primary care (in-network) | $30 copay | |||
| Specialist (in-network) | $40 copay | |||
| Inpatient mental health services (in-network) | 20% coinsurance | |||
| Outpatient mental health services (in-network) | 20% coinsurance, up to $5 a day, deductible does not apply | |||
| Mental / behavioral health / substance abuse | $30 / individual visit, deductible does not apply | |||
| Telehealth (in-network) for primary care | You pay nothing, covered 100% | |||
| Urgent care (in-network) | $30 copay | |||
| Emergency room (in-network) | You pay 20% after deductible | |||
| Inpatient Hospital Care / Outpatient Surgery (in-network) | You pay 20% 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 $250 | |||
| 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:
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 Healthcare 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:
- UnitedHealthcare formulary
- Kaiser Permanente Southern California formulary
- Kaiser Permanente Northern California formulary
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.
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*.
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.
* See the Medical Plan Comparison for applicable per visit cost share.
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.