Surgery Benefit

Carrum Health is a benefit that makes getting surgery easier and more affordable, and gives you access to quality care. By getting surgery through Carrum Health, you’ll have a dedicated care specialist hold your hand through the surgery process, from gathering medical records to coordinating your travel and care, and letting you know the next steps — every step of the way. You’ll choose from the top surgeons at qualified Centers of Excellences. When you book your surgery through Carrum, most expenses will be 100% covered, after you meet your deductible.*

What surgeries are covered? Some surgeries may be inpatient or outpatient.

• Cancer support
• Total joint replacements
• Neck and back (spine)
• Bariatric (weight loss)
• Heart
• Shoulder, elbow, wrist, hand, hip, knee, ankle, foot

The following groups are eligible to participate in the Carrum Health program:

• Active employees and dependents enrolled in a CareFirst medical plan
• COBRA participants and dependents enrolled in a CareFirst medical plan

Please note:

• You must be over the age of 18 on the day of surgery
• Those over 65 must be covered by Nestlé’s CareFirst medical plan and have deferred Medicare coverage

What about terminations and COBRA status?
Your benefits end the same day your employment is terminated. New COBRA members must show verification of active COBRA status to use the Carrum benefit.

Carrum Health

High-quality care: The surgeons and hospitals in Carrum Health’s program have more experience performing your procedure and lower complication rates than 90% of providers.

A simplified experience: Carrum Health’s care specialists take care of all the planning, preparation, and paperwork so you can focus on what matters — your health.

Know before you go: When you get surgery through Carrum, you’ll save money and know exactly how much you’ll pay, if anything, prior to surgery — no surprise bills.*

Register for an account at carrum.me/nestle or speak to a Carrum Health Specialist at 1-888-855-7806.