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.
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.
| 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 |
| 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 |
| 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 |
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 |
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.
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 | $500 $1,000 | $500 $1,000 | N/A N/A | N/A N/A |
||
| Deductible Employee Only Family | $3,200 $6,400 | $6,400 $12,800 | $1,600 $3,200 | $3,200 $6,400 | $750 $750 per person, up to $2,250 | $750 $750 per person, up to $2,250 |
| 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 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 35% no deductible | $0 no deductible $0 no deductible | $0 no deductible $0 no deductible |
| Specialists | 25% after deductible | 45% after deductible | 15% after deductible | 35% after deductible | $70 copay | $70 copay |
| Primary Care | 25% after deductible | 45% after deductible | 15% after deductible | 35% after deductible | $35 copay | $35 copay |
| Outpatient Care | 25% after deductible | 45% after deductible | 15% after deductible | 35% after deductible | 20% after deductible | 20% after deductible |
| Hospital Stays (Inpatient Care) | 25% after deductible | 45% after deductible | 15% after deductible | 35% after deductible | 20% after $325 copay, no deductible | 20% after $325 copay, no deductible |
| Emergency Room | 25% after deductible | 45% after deductible | 15% after deductible | 35% after deductible | 20% after $200 copay, no deductible | 20% after $200 copay, no deductible |
| Urgent Care | 25% after deductible | 45% after deductible | 15% after deductible | 35% after deductible | 20% after $70 copay, no deductible | 20% after $70 copay, no deductible |
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 for in-network medical expenses.
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 complete Healthy Rewards in 2023, the money you earned (up to $400, for employee only coverage or up to $800 if your spouse/domestic partner participate) will help offset your 2024 medical contributions.
If you complete Healthy Rewards in 2024, the money you earned (up to $400, for employee only coverage or up to $800 if your spouse/domestic partner participate) will help offset your 2025 medical contributions.
If you cover a spouse/domestic partner who has access to group medical coverage with his or her employer, add $100 per month for the Alternative Coverage Fee.