Medical - Non-Union

Overview

Medical coverage is provided through UnitedHealthcare. You have two types of health plans to choose from — with varying levels of cost and coverage options to support different individual needs. Below is a high-level overview and comparison.

For more information on how the HSA and PPO Plans compare, visit bswift website and click on “Start Your Enrollment” to estimate your costs and see how they stack up. You can enroll as a new hire, during Open Enrollment, or if you have a qualifying life event. To enroll, log in to the bswift website.

If you need additional assistance, Ask Emma can help to illustrate the differences between these health plans based on your unique situation or circumstances. You also can contact Health Advocate for a Personal Benefits Counselor to assist you with Benefits decision making for you and your family.

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 CVS Caremark.

Financial protection

through annual out-of-pocket maximums that limit how much you’ll pay each year.

2025 medical plans

Plan Comparison

Use this interactive side-by-side plan comparison to understand key differences between the plans.

	PPO 1000	HSA 1650	HSA 3000
HSA features
HSA-eligible	No	Yes	Yes
Company contribution to HSA	None	$500 for employee-only coverage or $1,000 if you cover dependents	None
Annual deductible (individual/family)
In-network	$1,000/$2,000	$1,650/$3,300	$3,000/$6,000
Out-of-network	$2,000/$4,000	$3,000/$6,000	$6,000/$12,000
Coinsurance
In-network	You pay 20%, plan plays 80%	You pay 20%, plan plays 80%	You pay 30%, plan plays 70%
Out-of-network*	You pay 40%, plan plays 60%	You pay 40%, plan plays 60%	You pay 40%, plan plays 60%
Annual out-of-pocket maximum (individual/family)
In-network	$5,000/$10,000	$3,000/$6,000	$5,000/$10,000
Out-of-network	$12,000/$24,000	$7,200/$14,400	$12,000/$24,000
Health care visits: Your costs
Preventive care	In-Network providers covered at 100% Out-of-network providers: You pay 20%, plan plays 80% after deductible	In-Network providers covered at 100% Out-of-network providers: You pay 40%, plan plays 60% after deductible	In-Network providers covered at 100% Out-of-network providers: You pay 40%, plan plays 60% after deductible
Primary care (in-network)	$30 copayment	You pay 20%, plan plays 80% after deductible	You pay 30%, plan plays 70% after deductible
Primary care (out-of-network)	$30 copayment	You pay 40%, plan plays 60% after deductible*	You pay 40%, plan plays 60% after deductible*
Specialist (in-network)	$60 copayment	You pay 20%, plan plays 80% after deductible	You pay 30%, plan plays 70% after deductible
Specialist (out-of-network)	$60 copayment	You pay 40%, plan plays 60% after deductible	You pay 40%, plan plays 60% after deductible*
Behavioral health (in-network)	$30 copayment per visit	You pay 20%, plan plays 80% after deductible	You pay 30%, plan plays 70% after deductible
Behavioral health (out-of-network)	$30 copayment after deductible	You pay 40%, plan plays 60% after deductible*	You pay 40%, plan plays 60% after deductible*
Telehealth	$20 copay; deductible waived	$54 copay	$54 copay
Urgent care (in-network)	$75 copay/visit	You pay 20%, plan plays 80% after deductible	You pay 30%, plan plays 70% after deductible
Urgent care (out-of-network)	$75 copay/visit	You pay 40%, plan plays 60% after deductible*	You pay 40%, plan plays 60% after deductible*
Emergency room (in-network)	$150 copay/visit	You pay 20%, plan plays 80% after deductible	You pay 30%, plan plays 70% after deductible
Emergency room (out-of-network)	$150 copay/visit	You pay 40%, plan plays 60% after deductible*	You pay 40%, plan plays 60% after deductible*
Alternative Care (Chiropractic/ Acupuncture) (in-network)	$30 copay/visit (30 visits per year)	You pay 20%, plan plays 80% after deductible (30 visits per year)	You pay 30%, plan plays 70% after deductible (30 visits per year)
Alternative Care (Chiropractic/ Acupuncture) (out-of-network)	You pay 20%, plan plays 80% after deductible	You pay 40%, plan plays 60% after deductible (30 visits per year)*	You pay 40%, plan plays 60% after deductible (30 visits per year)*
Prescriptions – 30-day supply at retail pharmacy: Your costs
Generic (No out-of-network coverage)	In-network: $10 copay	In-network: You pay 20%, plan pays 80% after deductible	In-network: You pay 30%, plan pays 70% after deductible
Preferred Brand Drugs (No out-of-network coverage)	In-network: 20% coinsurance, $50 minimum, $100 maximum	In-network: You pay 20%, plan pays 80% after deductible	In-network: You pay 30%, plan pays 70% after deductible
Non-preferred Brand Drugs (No out-of-network coverage)	In-network: 35% coinsurance, $80 minimum, $200 maximum	In-network: You pay 20%, plan pays 80% after deductible	In-network: You pay 30%, plan pays 70% after deductible
Prescriptions – 90-day supply (mail order): Your costs
Generic (No out-of-network coverage)	In-network: $20 copay	In-network: You pay 20%, plan pays 80% after deductible	In-network: You pay 30%, plan pays 70% after deductible
Preferred Brand Drugs (No out-of-network coverage)	In-network: 20% coinsurance, $125 minimum, $250 maximum	In-network: You pay 20%, plan pays 80% after deductible	In-network: You pay 30%, plan pays 70% after deductible
Non-preferred Brand Drugs (No out-of-network coverage)	In-network: 35% coinsurance, $200 minimum, $500 maximum	In-network: You pay 20%, plan pays 80% after deductible	In-network: You pay 30%, plan pays 70% after deductible

*Out-of-network benefits are based on 140% of the published rates allowed by the Centers for Medicare and Medicaid Services (CMS) for the same or similar service within the geographic market

PPO Plan

The PPO 1000 plan offers lower out-of-pocket costs and predictable copays for doctor visits and prescriptions in exchange for higher premiums. You can see any provider, but you’ll pay less by staying in network.

How the PPO works

You pay the plan premium 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:

HDHP

High Deductible Health Plan

The HSA 1650 and HSA 3000 plans pair low-premium, high-deductible coverage with a tax-free Health Savings Account (HSA) that helps you save money and plan ahead for future medical expenses. This combination gives you more control over your money and rewards you for making healthy, cost-conscious choices.

As an added bonus, with the HSA 1650 plan, Vontier will contribute to your HSA — $500 for employee-only coverage or $1,000 if you cover dependents.

With these plans, you can see any provider you wish, but you will pay less when you stay in network.

How the HSA 1650 and HSA 3000 plans work

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:

* If you cover other family members, the overall family deductible must be met before the plan begins to pay benefits.

** If you cover other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met.

Prescription Drugs

When you enroll in a Vontier medical plan, you automatically receive prescription drug benefits through CVS Caremark.

Drug tiers

The cost of your prescription drugs under each medical plan depends on the tier of the medication — generic, preferred, or non-preferred. All prescription carriers have a formulary, or list of drugs based on effectiveness and cost. This list will determine how your prescriptions are covered. Keep in mind that the formulary may change as a result of regular reviews and updates.

Learn about the drug tiers

Generic drugs

Preferred drugs

Non-preferred drugs

You pay: $

Generic drugs have the same active ingredients as brand-name equivalents and meet the same standards for quality and effectiveness, but usually cost much less.

You pay: $$

Preferred drugs are brand-name medications included on the plan’s formulary and favored by CVS Caremark.

You pay: $$$

Non-preferred drugs are brand-name medications not preferred by CVS Caremark. They may still be covered, but may require prior authorization and cost more.

Ask your doctor about generic medications.

They’re generally just as effective as brand-name medications, but typically cost 80-85% less.

Use the mail order feature.

Save time and money on maintenance medication for chronic conditions — such as an allergy, high blood pressure, or diabetes — with the convenient, cost-saving home delivery prescription programs through CVS Caremark.

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

PrudentRx

CVS Caremark has exclusively collaborated with PrudentRx for a program that may help save you money on your specialty prescription. This innovative plan design includes all specialty medications on your plan's specialty drug list, as well as select high-cost specialty limited distribution drugs. To learn more, call CVS Caremark at 888-964-0034 Monday through Friday, from 8 a.m. to 8 p.m. ET.

Prescription programs

Your pharmacy benefits include several programs aimed at ensuring your safety and making sure you receive the most clinically appropriate and cost-effective medication.

Specialty medication

All prescriptions for specialty medication used to treat certain conditions (such as rheumatoid arthritis, multiple sclerosis, or psoriasis) must be filled through the CVS Caremark Specialty Pharmacy.

Dispense as written (DAW)

If your doctor writes DAW on a brand-name prescription when a generic alternative is available, you will pay the brand cost. Without DAW, you would also pay the price difference between the brand and generic drug.

Prior authorization

Some medications may require prior authorization from your doctor before receiving approval for coverage. This is done to ensure the medication is the best option for you. Prior authorization (PA) and formulary are not affected by the PrudentRx program.

Step therapy

Step therapy requires that you try the most cost-effective medications appropriate for your condition before more expensive medications can be approved for coverage.

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 CVS Caremark website.

Disease Management

Regardless of whether you enroll in a a Vontier medical plan, you can take advantage of several programs designed to help you manage conditions such as diabetes, hypertension, and other chronic diseases.

Diabetes

Living with diabetes can be tough on you and your family. Administered by Livongo, the program provides guidance on your best next action for your diabetes care and potentially other conditions. Your personalized experience may include:

Real-time 24/7 support
Welcome kit including a glucose meter, charger, strips, and lancing device
Testing your blood glucose
Managing your medications

Helpful alerts and updates, tailored to you, including:

Access to a Diabetes Response Specialist and/or a Diabetes Coach
Custom alerts to notify friends and family

High Blood Pressure

If you have high blood pressure, this program from Livongo will help you keep it in check. Once enrolled, you’ll receive a welcome kit in the mail that includes a blood pressure monitor and guided instructions for connecting it to the Livongo app. The program is designed to help you better understand and manage your blood pressure. You’ll receive personalized blood pressure reports to share and discuss with your doctor and have access to a coach who can answer questions about your blood pressure readings, nutrition, or lifestyle changes.

Accordant (Chronic and Complex Conditions)

The AccordantCare™ program helps you manage complex conditions for you or for someone you care for. It’s available as part of your health care plan – at no extra cost to you. The Accordant team includes a dedicated nurse and resource specialists, backed by a Medical Advisory Board, and provides proactive support and works directly with caregivers to help you:

Better understand and manage your health
Navigate the health care system and benefits
Proactively address risks before they affect your health
Support the health of individuals with complex conditions
Discuss ways that symptoms and side effects can be managed
Make decisions related to long-term health
Support your overall emotional and physical health
Give loved ones increased independence and caregivers peace of mind
Get you the support you need from within your local community, like financial resources, support groups, and ride programs

To learn more, call 1-844-923-0802 or visit Accordant online (Username: VontierSVC; Password: refVontier1141).

Cancer

The UnitedHealthcare Cancer Support Program (CSP) provides compassionate guidance and answers for you or a family member who’s faced with cancer. If you’re preparing for cancer treatment or have already started, a nurse can help you navigate treatment options and find a network provider from a high quality Centers of Excellence (COE) facility. Here’s more of what you can expect:

Connect with a nurse specially trained in oncology for support throughout your treatment journey
Get help exploring your options, finding answers to questions, and managing symptoms and side effects
Receive support working with your doctors, so you feel informed to make decisions for your health
Access digital tools to help provide real-time guidance and identify care needs immediately

To learn more, call an oncology nurse at 1-866-936-6002, TTY 711, from 7 a.m. to 7 p.m. CT, Monday through Friday, or visit myuhc.phs.com/cancerprograms.

Rally Rewards Wellness Program

If you enroll in a Vontier medical plan, you and your covered spouse or domestic partner could each earn up to $300 in health and wellness dollars for a total of $600!

Through the program, you can get rewarded for the things you should be doing, including:

Routine physicals
Mammograms, prostate, or skin cancer screenings
Flu shots
Virtual telemedicine visits and vaccinations
And much more

Weight Management

Whatever your health goals, you have all the support and motivation you need with Real Appeal. This free, customized weight management program gives you 24/7 access to your very own Weight Management Coach for a full year. Your coach works with you to create a program that fits your needs, preferences, and individual goals, and guides you every step of the way. You will also participate in weekly 30-minute online group sessions where you’ll receive nutrition information, exercise tips, and motivational strategies to help you reach your goals.

After you enroll and attend your first coaching session, the Real Appeal Success Kit is delivered right to your door. It’s filled with everything you need to kickstart your weight management journey.

Learn more at www.vontier.realappeal.com.

Tobacco Cessation: Quit For Life®

If you use nicotine, you can work with a personal wellness coach to create a quit plan that is customized for your needs. Program completion is required to earn wellness dollars. To enroll call 1-866-QUIT-4-LIFE (1-866-784-8454) or visit www.quitnow.net.

Find a Doctor

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

Visit the UnitedHealthcare website.
Click on “Find a Provider” and follow the prompts.

Emotional Wellbeing Solutions (EWS)

Feeling overwhelmed with a time consuming personal issue or task? Our core Emotional Wellbeing Solutions (formerly referred to as the EAP) includes WorkLife services, giving you access to a range of support and resources related to child/parent support, college application processes, career counseling, chronic medical condition support, and much more. WorkLife advisors are standing by to help you explore your many EWS benefits and guide you to solutions. Learn more at https://liveandworkwell.com (enter code: Vontier).

Telemedicine

Your medical plan gives you access to telemedicine services through Telemedicine. Consider using telemedicine for non-emergency medical or behavioral health care — it’s available from the comfort of your home or wherever you are.

Telemedicine is a great option when:

You don’t feel up to going to the doctor’s office.
You can’t get to your doctor because you’re traveling.
You need care after hours (nights, weekends, holidays).

To Access Telemedicine

Log in to UnitedHealthcare and search for connections to Virtual Care.

Telemedicine provides convenient telemedicine services anytime, anywhere. You have 24/7 access to board-certified doctors by phone or video using the Telemedicine mobile app or website. Doctors can diagnose, treat, and prescribe medication when needed for many common conditions. The cost for a telemedicine appointment varies by medical plan, but is typically less than going to an urgent care center.

UHC Tools & Resources

Your medical plan offers additional features to help you get the most from your coverage.