Medical + Prescription Drug

Nothing is more important than the health of you and your dependents.

All three Givaudan medical plans have deductibles, but only the Advantage and Standard plans are considered high-deductible health plans. Two of the plans work with a Health Savings Account (HSA), with Givaudan making contributions on your behalf.

How the Plans Are Similar

Preventive care is covered at 100% in-network, with no deductible or coinsurance
All plans cover the same services and supplies and use the same insurance provider network
Same level of coverage for in-network prescription medications
Freedom to receive care from any in- or out-of-network provider
You pay 100% of costs until you satisfy your annual deductible. The amount you must pay is based on the plan you choose, whom you cover, and whether you receive care in- or out-of-network.
After meeting the deductible, the plan pays a percentage of eligible expenses (coinsurance)
Out-of-pocket maximums protect you from very high health care expenses
Coverage when traveling overseas (emergency room services covered as in-network)
Virtual health care is available for a $40-$50 copayment under all three medical plans within the UnitedHealthcare telemedicine network. This convenience is ideal for non-emergency conditions like allergies, cold/flu, ear infections and urinary tract infections.

How the Plans Are Different

Different contribution amounts, deductibles and out-of-pocket maximums
Signature Plan requires you to cover your deductible on your own (no company HSA contribution)
HSA plans have accounts funded by Givaudan to help pay deductible and/or coinsurance
HSA plans include employee-only Critical Illness coverage at no cost to you. The benefit is up to $5,000 depending on relevant diagnosis. You also may purchase additional Critical Illness coverage.
Signature Plan – Highest payroll deductions, lowest deductibles and out-of-pocket costs
HSA Standard Plan – Lowest payroll deductions, highest deductibles and out-of-pocket costs
HSA Advantage Plan – Mid-range option with moderate payroll deductions and deductibles

Learn more about who can enroll here

Health Care Glossary

Medical Plans At-a-Glance

Features	HSA Advantage	HSA Standard	Signature
Health Savings Account	Yes	Yes	No
Flexible Spending Account	No	No	Yes
Givaudan Contributions	Individual \| Family $750 \| $1,500	Individual \| Family $250 \| $500	None
Annual Deductible (In-network)	Individual \| Family $1,700 \| $3,400	Individual \| Family $1,950 \| $3,900	Individual \| +1 \| Family $1,200 \| $1,800 \| $2,400
Annual Deductible (Out-of-network)	Individual \| Family $3,400 \| $6,800	Individual \| Family $2,650 \| $5,300	Individual \| +1 \| Family $2,150 \| $3,225 \| $4,300
Out-of-Pocket Maximum (In-network)	Individual \| Family $3,400 \| $6,800	Individual \| Family $4,150 \| $8,300	Individual \| +1 \| Family $2,900 \| $4,350 \| $5,800
Out-of-Pocket Maximum (Out-of-network)	Individual \| Family $6,800 \| $13,600	Individual \| Family $7,050 \| $14,100	Individual \| +1 \| Family $5,550 \| $8,325 \| $11,100
Coinsurance (In-network)	80%	80%	90%
Coinsurance (Out-of-network)	60%	60%	70%

When covered health services are received from a non-network provider, eligible expenses are determined as follows: (i) an amount negotiated by the claims administrator, (ii) a specific amount required by law (when required by law), or (iii) an amount the claims administrator has determined is typically accepted by a health care provider for the same or similar service or an amount that is greater than such rate when elected or directed by the Plan.

Comparing the Plans

Features	HSA Plans	Signature Plan
Account contributions	You and Givaudan	None
Account ownership	You own it	Givaudan owns it
Rollover	Yes, full balance carries over	Yes, but forfeited if you leave
Interest earnings	Yes	No
Investment options	Yes (after $2,000 balance)	No
Portability	Take with you if you leave	Forfeited if you leave
Eligible expenses	Medical, prescription, dental, vision	Medical expenses only
Expense payment	Debit card for point of sale	Automatic payment if balance available

Which plan might be a good fit for you?

If you want to save year-over-year for health care expenses with financial protection:

Consider one of the HSA plans. Both offer comparable deductibles and out-of-pocket maximums, with different contribution levels from Givaudan.

If you want lower costs for in-network care with out-of-network flexibility:

The Signature Plan may be right for you, offering high coverage levels with mid-range deductibles.

If you want lower paycheck contributions but financial protection for high expenses:

Consider the HSA Standard Plan with its lower payroll deductions and Givaudan’s contribution to help with the higher deductible.

Free Critical Illness Coverage

If you enroll in either the HSA Standard or Advantage plan, critical illness coverage is provided by Givaudan at no cost with employee-only coverage. Critical illness coverage helps you cover out-of-pocket expenses associated with illnesses like cancer, Alzheimer’s, heart attack, kidney failure, and stroke, among others. The benefit is up to $5,000 depending on diagnosis.

Note that you have the option to purchase additional Critical Illness Coverage, as well.

Telehealth

See a doctor anytime using your compatible computer, tablet or mobile phone through UnitedHealthcare’s telemedicine network. Virtual visits cost $40 to $50 and are available for common conditions like allergies, cold/flu, ear infections and urinary tract infections.

Connect with a provider