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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.

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.

ELIGIBILITY

All Regular, U.S. NesCARE benefits-eligible employees (Hourly regularly scheduled to work 30+ hours or Salaried working 20+ hours, as defined in the NesCARE SPD)

SureSAVER

Premiums	Lowest
Deductible	Highest
Copays	None
Care covered	In- and out-of-network
Bottom line	Free HSA money from Nestlé and low premiums to help offset the highest deductible

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HealthSAVER

Premiums	Medium
Deductible	Medium/high
Copays	None
Care covered	In- and out-of-network
Bottom line	Free HSA money from Nestlé balanced with medium premiums and a lower deductible than the SureSAVER

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ExclusiveCARE

Premiums	Highest
Deductible	Low
Copays	For most care
Care covered	In-network coverage only, except for emergencies
Bottom line	Pay the highest premiums for copays and in-network-only care with a larger network than PerformanceCARE

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PerformanceCARE

Select areas only

Premiums	Lower
Deductible	Low
Copays	For most care
Care covered	In-network coverage only through a limited high-performance network (BlueHPN), except for emergencies
Bottom line	Low premiums and copays for most care, but only in-network coverage through a limited network

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ASK THE EXPERTS

Nestlé connects you with experts who can help you make informed health care decisions. Whether you need a Video Visit for medical or behavioral care at home, a variety of professional resources are available to support your well-being.

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COMPARE THE PLANS

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

	SureSAVER		HealthSAVER		ExclusiveCARE	PerformanceCARE (Select locations)
	In-Network	Out‑of‑Network	In-Network	Out‑of‑Network	In-Network Only	In-Network Only
CareFirst Network	BlueChoice Advantage		BlueChoice Advantage		BlueChoice Advantage	BlueHPN
Nestlé HSA Contribution Employee Only Family	$400 $800		$400 $800		N/A N/A	N/A N/A
Deductible Employee Only Family	$3,400 $6,800	$6,800 $13,600	$1,800 $3,600	$3,600 $7,200	$1,000 $1,000 per person, up to $3,000	$1,000 $1,000 per person, up to $3,000
Out-of-Pocket Maximum Employee Only Family	$6,000 $6,850 per person, up to $12,000	$12,000 $12,000 per person, up to $24,000	$4,500 $6,850 per person, up to $9,000	$9,000 $9,000 per person, up to $18,000	$3,050 $3,050 per person, up to $6,100	$3,050 $3,050 per person, up to $6,100
Preventive Care	$0 no deductible	$0 no deductible	$0 no deductible	$0 no deductible	$0 no deductible	$0 no deductible
Primary Care Office Visits	30% after deductible	45% after deductible	20% after deductible	35% after deductible	$45 copay	$45 copay
Specialist Office Visits	30% after deductible	45% after deductible	20% after deductible	35% after deductible	$70 copay	$70 copay
Outpatient Care	30% after deductible	45% after deductible	20% after deductible	35% after deductible	20% after deductible	20% after deductible
Hospital Stays (Inpatient Care)	30% after deductible	45% after deductible	20% after deductible	35% after deductible	20% after $325 copay, no deductible	20% after $325 copay, no deductible
Urgent Care	30% after deductible	45% after deductible	20% after deductible	35% after deductible	20% after $70 copay, no deductible	20% after $70 copay, no deductible
Emergency Room	30% after deductible	30% after deductible	20% after deductible	20% after deductible	20% after $200 copay, no deductible	20% after $200 copay, no deductible

Notes About Family Coverage

¹ Family coverage includes one or more dependents. An individual with family coverage will pay no more than $6,850 a year in in-network medical expenses.

ALTERNATIVE COVERAGE FEE

2026
If you cover a spouse/domestic partner who has access to group medical coverage with their employer, add $125 per month for the Alternative Coverage Fee.

Medical

The Plans at a Glance

ELIGIBILITY

SureSAVER

HealthSAVER

ExclusiveCARE

PerformanceCARE

ASK THE EXPERTS

COMPARE THE PLANS

Notes About Family Coverage

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ALTERNATIVE COVERAGE FEE