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Get the details on each of the medical plans offered to Cone Health employees.

Choice Plan

Save Plan

Focus Plan

Medical Plans

Cone Health will continue to offer the Choice and Save Plans administered by UMR and the Focus Plan administered by Centivo.

Medical Plan Cost Comparison

All of the plans have some things in common:

  1. You must use in-network providers for your care (Choice and Save Plans – United Healthcare Choice Plus; Focus Plan – Centivo).
  2. Preventive services are covered at 100%.
  3. You must get your maintenance and specialty medications from a Cone Health Outpatient Pharmacy either in-person or through mail-order.
  4. There are no exclusions for pre-existing conditions.
  5. The Healthy Lifestyle Premium requirements were waived in 2020 so all employees will automatically receive the premium discount for 2021.
  6. A $75 spousal surcharge applies only IF your spouse has access to other coverage with another employer. This surcharge does not apply if your spouse is on Medicare, self-employed, unemployed, retired or is also an employee of Cone Health.
  7. The prescription drug plan is the same for all three plans. However, remember with the Save Plan that you pay the full cost of your prescription drugs until your deductible is met. Once your Save Plan deductible is met, you will have the same co-pays and co-insurance as the Choice and Focus Plans. The only exception to the Save Plan is the list of “Safe Harbor” drugs (please see additional information under the Save Plan description). Any out-of-pocket expenses covered by a manufacturer co-pay savings card will no longer be applied toward your deductible or out-of-pocket maximum.