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Medical

Nestlé offers medical plan options for your coverage. Each medical plan gives you comprehensive and affordable coverage, and you get to decide which one is right for you and your family. The biggest difference is how you pay for care.

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The Plans at a Glance

Click the name of each plan to review its key features. Or scroll down for a more detailed comparison of all Nestlé medical plan offerings. The good news is, all plans cover preventive care at 100%. CareFirst BlueCross BlueShield (CareFirst) is the national medical carrier for Nestlé.

Find preventive care resources on the Preventive Care page.

SureSAVER

PremiumsLowest
DeductibleHighest
CopaysNone
Care coveredIn- and out-of-network
Bottom lineFree HSA money from Nestlé and low premiums to help offset the highest deductible

HealthSAVER

PremiumsMedium
DeductibleMedium/high
CopaysNone
Care coveredIn- and out-of-network
Bottom lineFree HSA money from Nestlé balanced with medium premiums and a lower deductible than the SureSAVER

ExclusiveCARE

PremiumsHighest
DeductibleLow
CopaysFor most care
Care coveredIn-network coverage only, except for emergencies
Bottom linePay the highest premiums for copays and in-network only care with a larger network than PerformanceCARE

PerformanceCARE

Select areas only

PremiumsLower
DeductibleLow
CopaysFor most care
Care coveredIn-network coverage only through a limited high-performance network (BlueHPN), except for emergencies
Bottom lineLow premiums and copays for most care, but only in-network coverage through a limited network

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ASK THE EXPERTS

Nestlé provides access to experts who help you make smart health care decisions. From Teladoc Medical Experts for second opinions about a diagnosis to Video Visits for medical or behavioral care at home, there are many expert resources available to support you.

COMPARE THE PLANS

This table provides a side-by-side comparison of Nestlé’s medical plans.

 SureSAVERHealthSAVERExclusiveCAREPerformanceCARE
(Select locations)
In-NetworkOut‑of‑NetworkIn-NetworkOut‑of‑NetworkIn-Network OnlyIn-Network Only
Nestlé HSA
Contribution


Employee Only

Family



$500

$1,000



$500

$1,000



N/A

N/A



N/A

N/A
Out-of-Pocket
Maximum


Employee Only

Family



$6,000

$12,000



$12,000

$24,000



$4,500

$9,000



$9,000

$18,000



$3,050

$3,050 per person, up to $6,100



$3,050

$3,050 per person, up to $6,100
Preventive Care

First $500 in Benefits

After $500 in Benefits



$0 no deductible

$0 no deductible



$0 no deductible

45% no deductible



$0 no deductible

$0 no deductible



$0 no deductible

45% no deductible



$0 no deductible

$0 no deductible



$0 no deductible

$0 no deductible
Deductible

Employee Only

Family


$3,000

$6,000


$6,000

$12,000


$1,500

$3,000


$3,000

$6,000


$750

$750 per person, up to $2,250


$750

$750 per person, up to $2,250
Specialists25% after deductible45% after deductible15% after deductible35% after deductible$70 copay$70 copay
Primary Care25% after deductible45% after deductible15% after deductible35% after deductible$35 copay$35 copay
Outpatient Care
25% after deductible45% after deductible15% after deductible35% after deductible20% after deductible20% after deductible
Hospital Stays
(Inpatient Care)
25% after deductible45% after deductible15% after deductible35% after deductible20% after $325 copay, no deductible20% after $325 copay, no deductible
Emergency
Room
25% after deductible45% after deductible15% after deductible35% after deductible20% after $200 copay, no deductible20% after $200 copay, no deductible
Urgent Care25% after deductible45% after deductible15% after deductible35% after deductible20% after $70 copay, no deductible20% after $70 copay, no deductible

Notes About Family Coverage

Family coverage includes your spouse/domestic partner or one or more dependents.

An individual with family coverage will pay no more than $6,850 a year in in-network medical expenses.

CONTRIBUTIONS

See what you’ll pay for medical, dental and vision coverage based on the plan you choose and which family members you cover.

If you completed Healthy Rewards in 2020, the money you earned (up to $500, for employee only coverage or up to $1,000 if your spouse/domestic partner participated) will help offset your 2021 medical contributions.

If you complete Healthy Rewards in 2021, the money you earn (up to $400, for employee only coverage or up to $800 if your spouse/domestic partner participate) will help offset your 2022 medical contributions.

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Alternative Coverage Fee

If you cover a spouse/domestic partner who has access to group medical coverage with his or her employer – add $90 per month for the Alternative Coverage Fee in 2021 or add $100 per month for the Alternative Coverage fee in 2022.