Medical Coverage
Selecting a medical plan is an important decision for you and your family. At Sabre, we offer three plan options from UnitedHealthcare (UHC) to choose from based on your needs and what you want to pay for coverage. Familiarize yourself with key insurance terms to have a better understanding of how each plan works.
GLOSSARY OF KEY INSURANCE TERMS
Consumer Health Plan/HSA-Eligible Plan
- This is a high-deductible healthcare plan (HDHP), not a traditional copay plan, and has higher initial out-of-pocket expenses before meeting the deductible.
- This plan offers both in- and out-of-network coverage with the option of saving more by staying in network with UHC’s Tier 1 providers.
- This plan allows access to a Health Savings Account (HSA).
Balanced Choice Plan
- This is a traditional copay plan with coinsurance for inpatient/outpatient hospitalizations, labs and X-rays.
- This plan offers both in- and out-of-network coverage with the option of saving more by staying in network with UHC’s Tier 1 providers.
Network Only Plan
- This is a traditional copay plan with no deductible.
- This plan does not offer out-of-network coverage, so you are required to see in-network providers only.
| Network Only | Balanced Choice | Consumer Plan | |||||
|---|---|---|---|---|---|---|---|
| In-network Only | In-network | Out-of-network | In-network | Out-of-network | |||
| Calendar Year Deductible • Individual • Family • Coinsurance | $0 $0 N/A | $2,500 $7,500 20%* | $5,500 $16,500 50%* | $3,300 $6,600 20%* | $5,500 $16,500 50%* | ||
| Calendar Year Outof-Pocket Maximum (Maximum Includes Deductible) • Individual • Family | $6,500 $13,000 | $6,500 $13,000 | $25,000 $50,000 | $6,500 $13,000 | $25,000 $50,000 | ||
| Preventive Care | No Charge | No Charge | 50%* | No Charge | 50%* | ||
| Primary Care | Tier 1: $15 copay Other: $35 copay | Tier 1: $15 copay Other: $35 copay | 50%* | Tier 1: 10%* Other: 20%* | 50%* | ||
| Specialist Services | Tier 1: $55 copay Other: $75 copay | Tier 1: $55 copay Other: $75 copay | 50%* | Tier 1: 10%* Other: 20%* | 50%* | ||
| Simple Lab/X-Ray | 20% after deductible | 20%* | 50%* | 20%* | 50%* | ||
| Inpatient Services | $1,200 copay | 20%* | 50%* | Tier 1: 10%* Other: 20%* | 50%* | ||
| Outpatient Services | $15 copay | 20%* | 50%* | Tier 1: 10%*; 20%* | 50%* | ||
| Urgent Care | $75 copay | $60 copay | 50%* | 20%* | 50%* | ||
| Emergency Room | $500 copay | $250 copay if emergency, $250 copay + coinsurance if non-urgent | $250 copay | 20%* | 20%* | ||
Call To Action
Medical Providers
For a list of UnitedHealthcare network providers, visit myuhc.com or call 877-468-1005. Providers with a Tier 1 designation have lower copays and/or coinsurance when members seek care from a Tier 1 care provider for their primary care physician (PCP), specialist or hospital inpatient or outpatient services. These physicians can be identified by the Tier 1 blue dot.
Medical Surcharge
Team members who are enrolled in a medical plan in 2024 and were hired before Sept. 1, 2024, are required to complete an assigned wellness activity. This activity was due by Oct. 4, 2024. If you did not complete the activity, you will be charged $50 each paycheck in 2025. Team members who were hired on or after Sept. 1, 2024, automatically receive the wellness discount for 2025.
Virtual Care Options
Team members and their families covered on our medical plans have access to a variety of virtual wellness options.
Teladoc Condition Management for Diabetes
& Hypertension
Eligible team members and their covered dependents can sign up through Teladoc to help manage their diabetes or high blood pressure. Free supplies and virtual one-on-one coaching can help you achieve your health goals. Go to teladochealth.com/well/sabre for more information.
Hinge Health
New in 2025, we are excited to get you moving in the right direction with Hinge Health–a virtual clinic that combines care and advanced technology to go beyond traditional physical therapy. Click here for more info. [embedded video]
Additional Virtual Care Options Available through myUHC.com
- Virtual primary and urgent care
- Virtual therapy and speech therapy
- Virtual specialists for women’s health, gastroenterology and migraines
- Virtual clinical sleep evaluations
2nd.MD
With 2nd.MD, you can connect with board-certified, expert specialists about a diagnosis or treatment plan within days at no cost to you! 2nd.MD can help find the right specialist, collect medical records and navigate the health care system, so you can focus on getting the best care possible as soon as possible. Click here for more info.
Progyny
New in 2025, we are excited to partner with Progyny to provide a family building benefit for every unique path to parenthood. Your benefit includes:
- Comprehensive fertility treatment coverage leveraging the latest technologies and treatments
- Unlimited concierge support through a dedicated Progyny Patient Care Advocate (PCA)
- Access to the largest network of premier fertility specialists
Call 833-233-0059 to learn more.
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This Benefits Website provides general information for our benefit eligible team members; however, more detailed information is available within the plan documents and legal contracts between our company and the insurance providers. In case of any discrepancy between this Benefits Website and the plan documents, the plan documents always govern and determine your exact benefits. In addition, the company reserves the right to modify or terminate any benefit plan at any time. Benefits are not a guarantee of employment.