Choosing a medical plan is a personal decision based on your coverage needs and the people you cover. No matter which Pandora medical plan you choose, you can count on having the coverage you need (like 100% covered preventive care) and more.
What to consider when choosing a plan
- Your paycheck vs. your visit costs—lower premiums can come with higher deductible/coinsurance. Review the paycheck costs for each plan.
- How often you expect to use care (ongoing conditions, specialist visits, therapy, planned procedures)
- Prescription needs, especially if you take ongoing brand or specialty medications
- Whether your preferred providers are in-network (and how easily you can switch if needed)
- Whether you want a Health Savings Account (HSA) or prefer copays that are more predictable at the point of care.
Medical plan options (effective 8/1/26)
UnitedHealthcare Gold Choice Plus plan
This plan gives you the flexibility to see the providers you want while structuring costs with copays for office visits and more predictable costs for many common services. This plan also offers lower paycheck deductions than the UHC Platinum Choice Plus.
- In-network deductible: $250 (employee-only)/$500 (family)
- In-network out-of-pocket max: $2,000 (employee-only)/$4,000 (family)
- In-network Primary Care Provider or specialist visits: $25 copay
- Emergency room: $100 (waived if admitted)
- Garner Health Reimbursement: $250 (employee)/$500 (family)
UnitedHealthcare Platinum Choice Plus plan
This plan offers flexibility to see the providers you want, but it features higher deductible and paycheck costs than the UHC Gold Choice Plus plan. It also structures costs with copays for office visits and more predictable costs for many common services.
- In-network deductible: $1,000 (employee-only)/$2,000 (family)
- In-network out-of-pocket max: $6,000 (employee-only)/$12,000 (family)
- In-network Primary Care Provider visits: $25 copay
- In-network specialist visits: $40 copay
- Emergency room: $150 (waived if admitted)
- Garner Health Reimbursement: $1,000 (employee)/$2,000 (family)
UnitedHealthcare Silver Choice Plus with HSA
This plan is a good fit if you want lower per-paycheck costs and like the idea of building savings in a Health Savings Account (HSA). You’ll pay more out of pocket when you use care until you meet the deductible.
- In-network deductible: $2,000 (employee-only)/$4,000 (family)
- In-network out-of-pocket max: $5,000 (employee-only)/$10,000 (family)
- After deductible: 20% coinsurance for many services (including office visits)
- Pandora HSA contribution: $750 (employee-only)/$1,500 (family)
- Garner Health Reimbursement: $1,000 (employee-only)/$2,000 (family) (HSA rules apply—see Find the Right Provider for more information).
Medical plans at a glance
| Key feature | UHC Gold Choice Plus | UHC Platinum Choice Plus | UHC Silver Choice with HSA |
|---|---|---|---|
| In-network deductible (employee-only/family) | $250/$500 | $1,000/$2,000 | $2,000/$4,000 |
| In-network out-of-pocket max (employee-only/family) | $2,000/$4,000 | $6,000/$12,000 | $5,000/$10,000 |
| Preventive care, screening, immunizations (in-network) | $0 | $0 | $0 |
| Office visits (in-network) | Primary Care Provider: $25 Specialist: $25 | Primary Care Provider: $25 Specialist: $40 | Deductible, then 20% |
| Diagnostic testing (in-network) | X-ray and bloodwork: $0 Imaging (CT/PET scans, MRI): 10% coinsurance | X-ray and bloodwork: $0 Imaging (CT/PET scans, MRI): 20% coinsurance | X-ray and bloodwork: 20% coinsurance Imaging (CT/PET scans, MRI): 20% coinsurance |
| Behavioral health (outpatient) (in-network and out-of-network) | $25 per visit | $25 per visit | Deductible, then 20% |
| Emergency room (in-network) | $100 (waived if admitted) | $150 (waived if admitted) | 20% |
| Childbirth (in-network) | Office visits: $0 Delivery professional services: 10% coinsurance Delivery facility services: 10% coinsurance | Office visits: $0 Delivery professional services: 20% coinsurance Delivery facility services: 20% coinsurance | Office visits: $0 Delivery professional services: 20% coinsurance Delivery facility services: 20% coinsurance |
| Pandora funding | Garner Health Reimbursement: $250 (employee) / $500 (family) | Garner Health Reimbursement: $1,000 (employee) / $2,000 (family) | HSA contribution: $750/$1,500 Garner Health Reimbursement: $1,000 (employee) / $2,000 (family) |
Notes: Amounts shown are for in-network care. Some services may be subject to the deductible, copays, or coinsurance—see the Summary of Benefits and Coverage (SBC) for details.
This is a high-level snapshot. For full details (including what services are subject to the deductible, copays, or coinsurance), review the SBCs during enrollment.
Medical for Hawaii employees
Medical for Hawaii employees
If you’re based in Hawaii, your medical coverage options are different from the mainland plans. Hawaii employees are covered through HMSA (CompMED). All other benefits aside from medical are the same for Hawaii employees.
| Hawaii plan highlight | What you pay (in-network) |
|---|---|
| Annual deductible | $0 |
| Out-of-pocket max (medical) (employee-only/family) | $2,500/$7,500 |
| Out-of-pocket max (prescription drugs) (employee-only/family) | $3,600/$4,200 |
| Preventive care | No charge for in-network preventive care (including annual preventive exam and recommended screenings) |
| Doctor/specialist visits | $14 copay per visit |
| Urgent care | $14 copay per visit |
| Emergency room | 20% coinsurance |
| Ambulance | 20% coinsurance (ground or interisland air) |
Network + referrals: You’ll pay less when you use participating (in-network) providers, and you don’t need a referral to see a specialist.
To search providers, visit HMSA or call (800) 776-4672.
Note: This is a high-level summary for Hawaii employees. For complete plan details, review the HMSA Summary of Benefits and Coverage (SBC) and Guide to Benefits.
Contacts and resources
Garner Health
In-app messaging: Use the “Concierge” message feature in the Garner app.
UnitedHealthcare
Download the app or sign up at myuhc.com to easily view your benefits, manage and track claims, spend funds, request a new ID card, and add it to your wallet.
