Medical

Our benefits program includes medical plan options with a range of coverage levels and costs, so you can choose the one that’s best for you. These plans are administered by UnitedHealthcare. To see your premiums and enroll, log in to the Compass website.

2024 medical plans

Below are your coverage details for each plan when using in-network providers and facilities. Out-of-network benefits are available, but not shown here. For a complete list of covered services, please refer to the plan’s Summary Plan Description.

	Gold+ Plan	Gold with HRA Plan	Silver Plan	Bronze Plan
HRA features
HRA-eligible	No	Yes	No	No
Company funding to HRA	None	$500 individual $1,000 family	None	None
Annual deductible
Individual	$1,250	$1,750	$2,500	$4,750
Family	$2,500	$3,500	$5,000	$9,500
Annual out-of-pocket maximum
Individual	$2,000	$2,500	$4,500	$6,750
Family	$4,000	$5,000	$9,000	$13,500
Coinsurance
You pay	20%	20%	30%	30%
Plan pays	80%	80%	70%	70%
Medical care: Your costs
Preventive care	Covered at 100% in-network, so you pay nothing
Office visit
Primary care	$25 copay	Deductible, then 20%	Deductible, then 30%	Deductible, then 30%
Specialist	$50 copay	Deductible, then 20%	Deductible, then 30%	Deductible, then 30%
X-rays, lab work, etc.	$25 copay	Deductible, then 20%	Deductible, then 30%	Deductible, then 30%
Hospital care
Outpatient treatment	Deductible, then 20%	Deductible, then 20%	Deductible, then 30%	Deductible, then 30%
Inpatient treatment	Deductible, then 20%	Deductible, then 20%	Deductible, then 30%	Deductible, then 30%
Urgent care/emergency services
Virtual visits	Covered at 100% in-network, so you pay nothing
Urgent care	$75 copay	Deductible, then 20%	Deductible, then 30%	Deductible, then 30%
Emergency room	Deductible, then 20%	Deductible, then 20%	Deductible, then 30%	Deductible, then 30%
Prescription Drugs: Your costs
30-day supply (retail pharmacy)
Preventive	Covered at 100% in-network, so you pay nothing
Generic	$5 copay	$5 copay*	Deductible, then 30%	Deductible, then 30%
Preferred brand	$35 copay	$35 copay*	Deductible, then 30%	Deductible, then 30%
Non-preferred brand	$60 copay	$60 copay*	Deductible, then 30%	Deductible, then 30%
90-day supply (mail order or retail pharmacy)
Preventive	Covered at 100% in-network, so you pay nothing
Generic	$12 copay	$12 copay	Deductible, then 30%	Deductible, then 30%
Preferred brand	$87 copay	$87 copay*	Deductible, then 30%	Deductible, then 30%
Non-preferred brand	$150 copay	$150 copay*	Deductible, then 30%	Deductible, then 30%

* Gold with HRA Plan prescriptions are subject to a separate out-of-pocket maximum of $2,000 individual and $4,000 family, in addition to the medical out-of-pocket maximum.

The Gold+ Plan offers the predictability of copays for doctor visits and prescriptions, in exchange for higher premiums. This plan has the lowest deductible. With this plan, you can see any provider you wish, but you will pay less when you stay in network.

How the Gold+ Plan works

You pay the plan premium from your paycheck to have coverage.

Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.

And, employees enrolled in the Gold+ plan will be eligible for the Variable Copay Assistance Program.

UnitedHealthcare will help you reduce costs on your prescriptions when you take full advantage of manufacturer-sponsored coupons that are available for your specialty medications.

Once you sign up for a manufacturer coupon, and you share the details with UnitedHealthcare, the Variable Copay automatically adjusts your copay and applies the coupon value at the point of sale.

For more information, you can call the number on the back of you UnitedHealthcare member ID card.

The Gold with HRA Plan pairs lower-premium, higher-deductible coverage with a company-funded Health Reimbursement Account (HRA) that helps reduce your out-of-pocket costs.

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

Similar to the Gold+ plan, employees enrolled in the Gold w/ HRA plan will be eligible for the Variable Copay Assistance Program!

UnitedHealthcare will help you reduce costs on your prescriptions when you take full advantage of manufacturer-sponsored coupons that are available for your specialty medications.

Once you sign up for a manufacturer coupon, and you share the details with UnitedHealthcare, the Variable Copay automatically adjusts your copay and applies the coupon value at the point of sale.

For more information, you can call the number on the back of you UnitedHealthcare member ID card.

How the Gold with HRA Plan works

You pay the plan premium from your paycheck to have coverage.

Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.

*With this plan, prescriptions are subject to a separate out-of-pocket maximum of $2,000 individual and $4,000 family, in addition to the medical out-of-pocket maximum.

The Silver Plan keeps your paycheck costs down and gives you more responsibility for the cost of your health care. With this plan, you can see any provider you wish, but you will pay less when you stay in network

How the Silver Plan works

You pay the plan premium from your paycheck to have coverage.

 

Deductible

Coinsurance

Out-of-Pocket Maximum

Deductible

You pay 100% of your medical and prescription drug costs until you meet the annual deductible

Coinsurance

After meeting the deductible, you and the plan share the cost of covered medical care, with the plan paying the majority.

Out-of-Pocket Maximum

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

Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.

The Bronze Plan minimizes your paycheck costs but gives you more responsibility for the cost of your health care. With this plan, you can see any provider you wish, but you will pay less when you stay in network.

How the Bronze Plan works

You pay the plan premium from your paycheck to have coverage.

 

Deductible

Coinsurance

Out-of-Pocket Maximum

Deductible

You pay 100% of your medical and prescription drug costs until you meet the annual deductible

Coinsurance

After meeting the deductible, you and the plan share the cost of covered medical care, with the plan paying the majority.

Out-of-Pocket Maximum

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

Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.

When you enroll in a PGTI medical plan, you automatically receive prescription drug benefits through UnitedHealthcare.

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 preferred drugs based on effectiveness and cost.

Generic drugs

Preferred brand drugs

Non-preferred brand drugs

Generic drugs

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

You pay: $

Preferred brand drugs

Brand-name medications included on the formulary and favored by your prescription carrier.

You pay: $$

Non-preferred brand drugs

Brand-name medications not preferred by your carrier. They may still be covered, but may require prior authorization and cost more.

You pay: $$$

Check the prescription drug list

See how medications are covered by reviewing the 2024 Prescription Drug List.

Save money on your prescriptions!

The cost of prescription drugs is rising faster than many other health care services and supplies. But, there are ways for you to save.

Specialty drugs

All prescriptions for specialty medication, such as those used to treat complex conditions like rheumatoid arthritis, multiple sclerosis, or psoriasis, must be filled through the UnitedHealthcare Specialty Pharmacy. You’ll have access to a dedicated team led by a pharmacist and nurse who are specialists in your condition to help you with your medication regimen. Learn more on the UnitedHealthcare website or call 1-844-637-7503.

Prescription management 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.

Take advantage of these valuable programs and resources to better manage your health and financial well-being.

Onsite wellness center

Get free, convenient, confidential health care at our state-of-the art onsite wellness center in Phoenix and Venice. The PGTI clinic is available to all team members and qualified family members (age 2+). There is no cost but an appointment is required. You won’t need to use PTO/UTO for the time you spend getting care – it’s “on the clock” when you come during working hours. Wellness center providers can be seen for:

• Wellness, sick, or follow-up visits
• Common generic medications
• Approved standard lab tests

Virtual Visits

You have access to medical advice from board-certified physicians 24/7, 365 days a year through your plan’s telemedicine service. Virtual Visits offer you fast, convenient diagnosis and treatment for many common conditions through video consult on your smartphone or computer. PGTI is proud to offer $0 cost for virtual visits with an in-network physician when you enroll in a UnitedHealthcare medical plan. Visit the Virtual Visits website to enroll or learn more.

Health Advocate

Get free, personalized assistance to help you navigate the health care system, from understanding claims to choosing providers and negotiating fees. Available to you and your family members, this service can save you time and money. Visit the MyAdvocate website or call 833-968-1775.

Medical plan tools

Log in to the UnitedHealthcare website to find a doctor, compare costs, manage claims, and more. You can also download the UnitedHealthcare mobile app to get your health info, wherever you go.

To register your UnitedHealthcare account:

• UnitedHealthcare website.
• Click the “Register Now” button.
• Enter your name, date of birth, and the account numbers from your health plan ID card. Or, enter your Social Security number and date of birth.
• Create a username and password.
• Enter your email address and optional phone numbers, and choose security questions.
• Review and agree to the website policies, and be sure to keep the email opt-in checked so you get relevant news and wellness information.
• Upon registering, you will receive Explanations of Benefits, claim letters, regulatory notices and other important information by email. You may choose to get paper communications at any time by changing your Mailing Preferences.

Prescription tools

Visit UnitedHealthcare website to review your prescription coverage details, confirm formulary lists, sign up for home delivery, request refills, and more.

FSA tools

Visit the Triad website to manage your FSA(s) online, use calculators, find lists of eligible expenses, purchase FSA-eligible items in the FSA Store, and more.

SmartConnect

SmartConnect is an exclusive program designed for working or retiring adults (and family members) who are Medicare-eligible and may not have fully explored the benefits of Medicare coverage. SmartConnect puts your needs first by matching you with the education, national insurance carrier plans, and experienced advisors needed to enable you to make your best decision. Learn more

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

UnitedHealthcare:

• Log in to UnitedHealthcare website. If you don’t have an account yet, click on “Register Now.”
• Once logged in, go to the find a doctor search.
• Your ZIP code will automatically be used. You can change this by clicking “Change location.”
• You can enter the provider name, facility, or medical group in the search box.
• Or you can click on the icon that reflects the type of provider you are looking for and follow the prompts.
• Choose from Primary or Specialty care, and then select the type of physician.
• A list of doctors in your ZIP code area will be provided under Primary Care Physician.
• Click the doctor’s name to find additional information, including address, phone number, if they are accepting new patients, hospital affiliation, and if the doctor is a UnitedHealth Premium® Tier 1 provider. Just look for the “Tier 1” indicator.
• If you need the provider ID# to identify your PCP, you’ll find it under “All Locations.”
• To find a freestanding facility, click on “Places” or “Tests & Imaging” when you begin your search.

When you think about the financial impact of your health care choices, you can help lower costs for yourself and the entire company. Get the most from your medical benefits by following these tips to be well and buy smart:

Virtual visits	Doctor’s office	Urgent care clinic	Emergency room
Use it for
A common, non-emergency medical issue that can be diagnosed by phone or online	A condition that doesn’t need immediate attention and can wait until the next day	A condition that needs immediate care but is not life- or limb-threatening	A life-threatening or potentially crippling condition that needs immediate attention
Examples
Colds and allergies, flu/cough Ear infections, pink eye Behavioral health	Sore throat, fever Routine exam, screening Checkup, vaccine, prescription refill	Broken bone, severe sprain or strain Cut requiring stitches Anxiety attack	Sudden weakness, dizziness, or loss of consciousness Uncontrollable bleeding Chest pain, difficulty breathing
Cost
You pay: 0	You pay: $	You pay: $$	You pay: $$$
Find it
Virtual Visits	Call your regular doctor or search for an in-network provider on your medical plan carrier’s website	Search for urgent care clinics near you at urgentcarelocations.com	Call 911 or search online for the nearest hospital