Surgery Benefit
Health care concierge service to help you navigate the ins and outs of certain surgeries
changes
Coming soon:
Starting in 2025, CareFirst-enrolled employees and dependents (18+) will be required to contact Carrum Health and utilize their Centers of Excellence (COEs) for bariatric spine and joint procedures. This ensures access to the top 10% highest-quality health care providers at little to no cost (you pay up to your deductible, but $0 after).
OVERVIEW
Carrum Health is a benefit that makes getting surgery easier and more affordable, and gives you access to quality care. With surgery through Carrum Health, you have a dedicated care specialist to hold your hand through the surgery process — from gathering medical records to coordinating your travel and care to letting you know next steps. You’ll choose from 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
ELIGIBILITY
The following groups are eligible to participate in the Carrum Health program:
- All Regular, U.S. NesCARE benefits-eligible employees, eligible dependents; and COBRA participants (age 18+) and
- Must be 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.
ADMINISTRATOR
Carrum Health
WHY TO USE
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.*
* With the exception of second opinions, once you have met your deductible, copays and coinsurance.
CONTACT INFORMATION
Register for an account at carrum.me/nestle or speak to a Carrum Health Specialist at 1-888-855-7806.