Healthcare

Your health and well-being matter—and your medical, dental, and vision benefits are designed to help support you and your family at every stage of life. From preventive care and routine checkups to unexpected medical needs, these benefits provide important protection, access to quality care, and peace of mind.

Medical coverage and prescription drug discounts

Pandora offers medical coverage and prescription drug discounts through Hooray Health. You’ll generally save the most when you see a provider in-network because those providers have agreed to contracted rates. Out-of-network providers may bill the difference between their fee and Hooray Health’s allowed amount. You pay Hooray Health directly for this coverage. Looking for full-time benefits information? View the full-time new hire page.

Medical plan at a glance

Key feature	Max $5,000 Lite Plan	Max $5,000 Enhanced Plan
Illness/sickness maximum per year	$5,000 (per covered person)	$5,000 (per covered person)
Accident medical maximum (per accident)	$5,000 (per covered person per accident)	$5,000 (per covered person per accident)
Urgent care/retail clinic visit (within Hooray Health network)	You pay $25*	You pay $25*
Doctor visits (within Hooray Health/First Health network)	$0	$0
Virtual care	$0 consult; 1 per day Plan pays $5	$0 consult; 1 per day Plan pays $5
Virtual behavioral health	$0 consult; 3 visits per year Plan pays $5	$0 consult; 3 visits per year Plan pays $5
Diagnostic lab and X-ray	$50 each per day	$50 each per day
Diagnostic exam	$100 per day	$100 per day

*$25 fee includes all services performed in Hooray Health network facility with no balance bill

**First Health discount applied then up to $275 paid for Retail Clinic/Urgent Care

***No discount

Outpatient and inpatient benefits

If you enroll in Hooray Health coverage, you'll have set amounts each plan pays for outpatient and inpatient care. You'll receive more covered under the Max $5,000 plan; view the charts below to see how each plan covers these services.

Outpatient surgery benefits	Max $5,000 Lite	Max $5,000 Enhanced
ASC or hospital	N/A	Plan pays per day: $500
Anesthesia	N/A	Plan pays per day: $200

Inpatient benefits	Max $5,000 Lite	Max $5,000 Enhanced
Hospital admission (one event covered per year)	Plan pays per day: $100	Plan pays per day: $500
In-hospital indemnity	N/A	Plan pays per day: $500
In-hospital ICU confinement	N/A	Plan pays per day: $500
Mental illness confinement	N/A	Plan pays per day: $500
Substance abuse confinement	N/A	Plan pays per day: $500
In-hospital surgery (maternity included) and one event covered per year	N/A	Plan pays per day: $500
Anesthesia	N/A	Plan pays per day: $200

When you need care

You have options when you need to see a doctor. But you always pay less when you visit a provider within the Hooray Health network.

24/7 Virtual doctor visit: You pay $0
Urgent care or retail clinics (within Hooray Health network): You pay $25
Doctors, specialists and hospitals (within First Health network): You pay $0

You can also see providers within the First Health network, and you’ll pay a lower cost when you do! Plus, Hooray Health will help you cover the bill—up to $275 per visit.

View the Hooray Health benefit guide to learn more.

Get started

Download the Hooray Health app (Google Play | App Store) to find care, compare prescription prices and connect with support fast. To enroll, visit pandora.myhoorayhealth.com or call (855) 479-4008.

Discounted radiology

Save on advanced imaging when you need it. Through Green Imaging, you can access advanced diagnostic tests at discounted rates—even if your plan doesn’t typically cover these services. It’s a simple way to make essential care more accessible and more affordable when it matters most.

Prescription drug discounts

Saving on your prescriptions is possible! With access to 70,000 pharmacies nationwide, it’s easy to find savings close to home. You’ll see the price of your prescription at each pharmacy right in the Hooray Health mobile app, so you can quickly compare options and choose what works best for you.

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Watch Hooray Health videos and learn more

Why Hooray Health?

How Hooray Health works

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Dental plan

Pandora offers dental coverage through MetLife’s PDP Plus network. You’ll generally save the most when you see an in-network dentist because those providers have agreed to contracted rates. Out-of-network dentists may bill the difference between their fee and MetLife’s allowed amount. You pay Hooray Health directly for this coverage.

MetLife dental coverage

Benefit	In-network	Out-of-network 90% of R&C Fee**
Deductible	Individual: $50 Family: $100	Individual: $50 Family: $100
Annual maximum (per person, per plan year)	$750	$750
Diagnostic and preventive (exams, cleanings, X-rays, sealants)	80%	80%
Basic services (fillings; root canals, gum treatment, oral surgery as covered)	60%	60%
Major services (crowns, bridges, dentures, implants as covered)	50%	50%

**R&C fee refers to the Reasonable and Customary (R&C) charge, which is based on the lowest of (1) the dentist’s actual charge, (2) the dentist’s usual charge for the same or similar services, or (3) the charge of most dentists in the same geographic area for the same or similar services as determined by MetLife.

Need help?

Find a dentist
Download a claim form
General questions or call (855) MET-EYE1 or (855) 638-3931

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Vision plan

Your vision benefits are provided through MetLife, giving you flexibility and choice when it comes to your eye care.

With this plan, you can see any licensed vision provider, but you’ll get the most value when you choose an in-network provider, where your benefits go further.

You’ll have access to a wide network of ophthalmologists, optometrists, and opticians, including both local providers and popular retailers like Costco Optical, Walmart, Sam’s Club, and Visionworks—so it’s easy to find care that fits your needs and schedule. You pay Hooray Health directly for this coverage.

MetLife vision coverage

Benefit	In-network	Out-of-network
Routine eye exam (every 12 months)	$10 copay	Up to $45
Retinal imaging (every 12 months)	$39 copay	N/A
Frames (every 24 months) (allowance and discounts)	Allowance: $130 after $25 eyewear copay; $150 on featured frames¹	Up to $70
Standard polycarbonate (child up to age 18) and ultraviolet (UV) coating (every 12 months)	Covered in full	N/A
Standard progressive lenses²	$0 copay	Up to $50, depending on type of lens
Standard corrective lenses	$25 copay	Single vision = $30 Lined bifocal = $50 Lined trifocal = $65 Lenticular lenses = $100
Elective contacts (every 12 months) (allowance and discounts)	$130 allowance	Up to $105
Medically necessary contacts (every 12 months)	Covered in full after eyewear copay	Up to $210

Note: Out-of-network reimbursements may require you to submit a claim and are subject to plan rules and limits.

1 Costco, Walmart, and Sam’s Club: $70 allowance. You will receive an additional 20% savings on the amount that you pay over your allowance. This offer is available from all participating locations except Costco, Walmart, and Sam’s Club.

2 Progressive standard, progressive premium/custom, standard polycarbonate (adult), scratch-resistant coatings, solid or gradient tints, anti-reflective, photochromic: Your cost will be limited to a copay that MetLife has negotiated for you. These copays can be viewed after enrollment at metlife.com/mybenefits.

Extra savings on vision care

Your vision benefits go beyond the basics!

Lens enhancements: In addition to standard options, you’ll enjoy 20–25% savings on additional lens enhancements.
Glasses and sunglasses: Need an extra pair? You’ll receive 20% off additional prescription glasses or non prescription sunglasses, including lens enhancements. You may also see special promotions throughout the year for even more savings.
Laser vision correction: If you’re considering laser eye surgery, you can save up to 15% off the regular price or 5% off promotional pricing for procedures like PRK, LASIK, and Custom LASIK when you use a participating MetLife provider.