Care That's There
When You Need it.
Partners can choose from three medical plans designed to fit different coverage and cost needs.
Quick Links
Medical & RX
Surest is a co-pay only plan with no deductible, featuring just an out-of-pocket maximum. It is not eligible for a Health Savings Account (HSA) as it does not qualify as a high deductible health plan. For more details, visit the Surest website (use code schreiber2025).
UMR offers two high deductible health plan (HDHP) options, both of which qualify for a Health Savings Account (HSA).
Regardless of the plan you select, each option:
- Includes prescription drug coverage through SmithRX
- Utilizes the UHC Choice Plus network
- Provides preventive care covered at 100%
- Protects you with an annual out-of-pocket maximum
- Offers enhanced care programs and resources to support your overall wellbeing
If you need help finding the best option for your needs, the Budgie plan selection tool is available to assist you.
(Click Activate without Email if this is your first time using .)
Medical Premiums
| Bi-Weekly Premium | Surest | HDHP1 | HDHP2 |
|---|---|---|---|
| Partner Only | $64.04 | $64.66 | $43.12 |
| Partner + Spouse | $160.38 | $164.14 | $112.01 |
| Partner + Child(ren) | $111.29 | $113.46 | $76.98 |
| Partner + Family | $222.23 | $228.24 | $155.74 |
Medical Coverage
Medical Plan Comparison:
| Surest | UMR HDHP1 | UMR HDHP2 | ||||
| Individual | Family | Individual | Family | Individual | Family | |
| Deductible (Medical/RX) | $0/$0 | $0/$0 | $1650 (Combined) | $3300 (Combined) | $2650 (Combined) | $5300 (Combined) |
Out-of-pocket (OOP) | $3000/$1000 | $6000/$2000 | $3000 (Combined) | $6000 (Combined) | $5000 (Combined) | $10000* (Combined) |
| Deductible/OOP Details | No Individual will pay more than $3K annually in medical copays or $1K in prescription copays. Once this limit is reached, remaining costs will be covered by other family members. | Each person’s costs are pooled with covered dependents until the deductible ( and out-of-pocket maximum ) are fully satisfied. *HDHDP2 Family coverage has an $8700 individual maximum. | ||||
| Wellness Incentive (Must earn 5 points in Asset Health by 11/30) | $1,200 paid on payslip (Taxed as supplemental income) | $1,200 HSA Deposit | ||||
| Medical Services and Copays or Coinsurance | When providers or locations are evaluated as high-value, Surest assigns a lower copay based on factors like better patient health outcomes, lower complication rates, and efficient resource use. To view copays, navigate to https://join.surest.com/schreiber/ Access code: schreiber2025 | Schreiber pays for 80% of coverage once your deductible is met. | ||||
| Preventive care | The plan pays 100% without having to pay a copay or coinsurance | |||||
| No-cost programs available through medical enrollment | Surgery Support (Carrum Health), Expert medical opinion (2nd MD), Virtual physical therapy (Sword Health), Weight/Gut/Diabetes Management (Digbi), Virtual Healthcare ( Doctor on Demand), Menopause Support (Maven), Parenting and Pediatrics (Maven), Cancer Prevention Program (Color Health) | |||||
| Covered services | All three plans have the same covered medical services. | |||||
| Provider Network | All three plans use the UHC Choice Plus medical network and SmithRX pharmacy network. | |||||
| Preventive Drug List | ACA Preventive Drug List | Expanded Preventive Drug List | ||||
| Prescription Coverage | Tier | Retail 30 days | Retail 90 days | Mail Order 30 days | Speciality | Preventive Drugs | All Others (Excluding Specially) | |
| 1 | $5 | $15 | $10 | Retail & Mail Order | Generic Preventive: $0 (no deductible) Brand Preventive: Preferred/non-preferred brands: Schreiber pays for 80% of cost, no deductible needs to be met | Schreiber pays 80% after deductible is met | ||
| 2 | $20 | $60 | $50 | |||||
| 3 | $40 | $120 | $100 | |||||
| 4 | $130 | |||||||
| 5 | $150 | |||||||
| Specialty drugs* | Use SmithRx Connect 360 programs to obtain your medications. | |||||||
Note: All coverage amounts above show in-network providers; see Summary Plan Description for out-of-network benefits. Family deductibles and out-of-pocket maximums apply to partners covering one or more dependents.
Prescription Drug Coverage
- Access Program: This program leverages additional savings on traditional branded medications, allowing members to have a low or $0 copay on prescriptions.
- Assist Program: No more pre-shopping for the best price or printing coupons! Your member ID has all the information that your pharmacy needs to find the best deals for you at the point of sale. When the pharmacy submits your claim, the Assist decision engine will find the lowest cost option for you, and that is what you pay at the counter.
- Access Plus Program: Many high-cost specialty medications can be accessed through other programs when a medication is not covered under the pharmacy benefit. SmithRx assists members in navigating and applying to these different programs.
Plan Documents and Notices
- Surest Summary Plan Description
- Surest Summary of Benefits and Coverage
- UMR Summary Plan Description
- UMR HDHP1 Summary of Benefits and Coverage
- UMR HDHP2 Summary of Benefits and Coverage
- Women’s Health and Cancer Rights Act Notice
- Medicare Credible Coverage Notice
- HIPAA Privacy Notice
- Cafeteria Plan Document
- COBRA Health Care Continuation Notice
- Cafeteria Plan Document
- Notice of Exchange – UMR & Surest
- Cafeteria Plan Document
- 2024 Schreiber Foods Inc Welfare Benefit Plan SAR
- CHIP Notice
- Nondiscrimination and Languages Accessibility Notice
The information on this page applies to regular full-time and non-union regular part-time schedules. For details on benefits available to other schedule types, please visit the Flexible Schedules page.
