Hertz offers four medical plans through UMR. We have plans that offer lower paycheck costs (or premiums), others that have lower deductibles, and a plan with a copay. And we have plans that come with upfront dollars to help employees pay for care. In all of Hertz’s medical plans, in-network preventive care (like checkups, vaccines, and screenings) is covered at 100%, and our plans help cover additional doctor visits and other care too. Click here to see a chart of the medical plans.
We also offer Virtual Visits for employees to speak to a doctor over the phone or by video chat. And, employees can elect supplemental medical insurance, including Critical Illness, Accident, and Hospital Indemnity Insurance.
Yes, premiums are deducted from employee paychecks. The amount of the premiums deducted depends on the plan and who is covered.
No. None of the plans offer an HSA.
Consumer Health Account (CHA) Plans offer an HRA, which is an account that
Hertz puts money into when employees enroll in a CHA Plan. The money
contributed by Hertz is automatically used on employees’ eligible expenses when
they file a claim, so employees don’t have to pay anything out of pocket until
they’ve used all of the funds in their HRA.
For employees enrolled in the CHA Plans, Hertz contributes:
Hertz employees can enroll in a Health Care FSA (HCFSA) or a Dependent Care FSA (DCFSA) with pre-tax money contributed from their paycheck. Hertz does not contribute to either.
The 2018 Health Care FSA contribution limit is $2,650. The 2019 IRS limit for the HCFSA is $2,700. The Dependent Care FSA contribution limit for 2018 and 2019 is $5,000 (or $2,500 if married and filing taxes separately).
With OptumRx, employees pay a copay to fill prescriptions at retail pharmacies or through mail order. The copay amount depends on the type of prescription (generic, brand formulary, non-formulary) and where it’s filled. Click here to see the details.
All of Hertz’s medical plans provide mental health coverage. From inpatient and outpatient treatment, to diagnostic evaluations and individual, family, and group therapy sessions, employees can rest assured they’ll have mental health coverage. We even have mental health coverage for Autism Spectrum Disorders. Click here to read the SPD, which provides details about what’s covered.
Hertz offers Aetna’s Resources for Living Employee Assistance Program (EAP). Benefits-eligible employees and members of their households can use the program at no cost to them. The EAP at Hertz offers Counseling and Relationship Support (for things like work-life balance, relationship issues, depression, conflict management, stress management, and more) and web-based resources, both of which are available 24/7. Click here for more information.
When employees elect AD&D coverage, they can take advantage of the Assist American program through Arch Insurance Group. The program gives Hertz employees access to a global emergency services program, so if employees are traveling 100 miles or more away from their permanent residence, Assist America can connect them with doctors, hospitals, pharmacies, and other services. Plus, employees have access to their Operations Center which is staffed 24/7, 365 days per year with trained multilingual and medical personnel. Click here to learn more.
We also offer coverage through Aetna’s Travel Assistance Program. They’ll not only help with medical emergencies, but also in emergency situations like cash emergencies, evacuations, and more. And if employees enroll in Aetna Life insurance, the Travel Assistance Program is included at no extra cost. Click here for more information.