2023 Medical plan comparison chart

Note: If you enroll in the Kaiser HRA medical plan, you will receive 100% of Veradigm contributions on Jan. 1, 2023.

Health accounts

Dental plans

Vision plan

Monthly rates per $1,000

Your life and AD&D insurance is based on your age and eligible earnings as of Jan. 1. This means your life and AD&D benefit and applicable deductions will remain frozen until the following Jan. 1. Eligible earnings include base pay and commissions paid in the preceding 12-month period.

How to calculate your monthly cost

Multiply your annual salary by the multiple selected and then round up to the next higher $1,000. Divide this amount by $1,000 and multiply by the monthly rate shown in the table. To determine your pay period deduction, divide this amount by 2.

Voluntary life insurance rates for your child(ren)

Coverage is the same cost for one or more children.

Voluntary life insurance

You may purchase additional AD&D insurance for yourself and your family in increments of one to ten times your salary, to a maximum of $1,000,000.

Voluntary AD&D

COVID-19 vaccination surcharge

If you enroll in an Veradigm medical plan for 2023, you will pay a surcharge of $10 per month ($5 per paycheck) if you haven’t received a COVID-19 vaccine by March 31, 2023. You must enter your vaccination status in Oracle by that date. If you are not vaccinated, you will see the surcharge added to your medical premiums starting with the first paycheck after April 1, 2023.

If you’ve already received your vaccination, don’t wait, enter your status now! For details on our vaccination policy or to find out how to enter your status in Oracle, refer to the “US COVID-19 Vaccination Policy” available on the Policies intranet page.

During the year, if you complete the COVID-19 vaccination and enter this information into Oracle, Veradigm will remove the surcharge; it may take up to three pay periods before you see this reflected in your paycheck.

Note: New hires will have 90 days from their date of hire to enter proof of vaccination.

Tobacco surcharge

If you enroll in an Veradigm medical plan (Cigna or Kaiser Permanente), you must certify whether you use tobacco. If you certify that you are a tobacco user, starting Jan. 1, 2023, you will pay a $25 per paycheck surcharge ($50 per month). This is in addition to your regular medical premium.

A “tobacco user” refers to the use of tobacco products within the past six months. Tobacco products include:

• Cigarettes, cigars, and pipes, snuff, chewing tobacco.
• All forms of smokeless tobacco.
• Clove cigarettes.
• Any other smoking devices that use tobacco, such as hookahs, or simulate the use of tobacco, such as electronic cigarettes.

How to avoid or stop the surcharge

For 2023, if you enroll in an Veradigm medical plan (Cigna or Kaiser Permanente) and you certify that you are a tobacco user, you will be assessed the surcharge. (This surcharge applies only to an employee who uses tobacco, not to covered dependents.)

However, if you successfully complete one of our medical providers’ free Tobacco Cessation programs or are tobacco free for at least six months, you can apply to no longer pay the surcharge and you may be eligible for credit of any surcharge that you have paid. You must log into VeradigmBenefitsUS.com and change your Tobacco Use status to a non-user. Please note, it may take up to two pay periods before the surcharge is removed from your paycheck.

Commit to quit!

It is no secret that tobacco use leads to serious health issues. Avoid the tobacco surcharge by taking advantage of our medical providers’ Tobacco Cessation Programs that offer:

• A personal quit plan with a realistic quit date.
• Support and advice from a personal wellness coach to get the support you need to kick the habit for good.
• Free over-the-counter nicotine replacement therapy (patch or gum).
• Access to educational materials, interactive tools and resources.

To get started, contact your medical provider for details:

• Cigna: myCigna.com or use the myCigna mobile app.
• Kaiser Permanente: kp.org/quitsmoking.

Based on the plan, your cost or contributions for benefits coverage are made on either a before- or after-tax basis.

Before-tax benefits let you pay for coverage with dollars from your pay before taxes have been deducted, which results in tax savings for you. After-tax benefits let you pay for coverage on an after-tax basis using dollars from your pay after taxes have been calculated.

When covering a domestic partner, contributions for your domestic partner will be deducted on a post-tax basis. You will also pay taxes on the imputed income on the portion of benefits paid for by Veradigm for your domestic partner to be covered.