Healthcare FAQs: The Cost, What’s Covered, and Differences Between Plans

The monthly premium for the Gold OAP plan varies according to coverage level: 

• Employee coverage only - $748.71/month
• Employee & spouse coverage only - $1,497.42/month
• Employee & children only - $1,385.11
• Employee, all family - $2,133.82

Once your coverage officially begins, monthly payments will be made from your bank account on the 15th of every month. Payments apply to the following month's coverage; for instance, your July 15th payment would go toward coverage in August. 

 The monthly premium for the Silver OAP plan varies according to coverage level: 

• Employee coverage only - $661.79/month
• Employee & spouse coverage only - $1,323.58/month
• Employee & children only - $1,224.31
• Employee, all family - $1,886.10

Once your coverage officially begins, monthly payments will be made from your bank account on the 15th of every month. Payments apply to the following month's coverage; for instance, your July 15th payment would go toward coverage in August. 

The Gold OAP plan is our most comprehensive healthcare plan, which includes 100% preventative coverage and lower upfront costs. It's a top-notch plan at a fraction of the usual cost—and the first of its kind offered to temp dental workers. It offers a lower deductible (when compared to the Silver AOP plan) for Tier 3 and Tier 4 prescriptions.  A non-exhaustive list of plan details:

• OAP plan with in- and out-of-network benefits. Out-of-network doctors and hospitals may be used without a referral (with higher costs). 
• In-Network Annual Deductible: 

  $2000 Individual / $4000 Family

• Separate Rx Deductible: 

  A $50 individual / $100 family deductible applies to Tier 3 and 4 drugs.

• Coinsurance: You pay 25% / Carrier pays 75%
• Annual Out-of-Pocket Maximum:
  $8,000 Individual / $16,000 Family
• 100% in-network preventative coverage, plus coverage for diagnostics, labs and x-rays. 
• United Healthcare (UHC) network includes 1,196,000 doctors/providers and 67,000 pharmacies across the U.S.
• Access to reward programs through UHC, for additional rewards. 
  
  

The Silver OAP plan is a comprehensive healthcare plan for a lower monthly premium in exchange for slightly higher upfront costs. Beneficiaries must designate a primary care physician. A non-exhaustive list of plan details:

• OAP with in- and out-of-network benefits. Out-of-network doctors and hospitals may be used without a referral (with higher costs). 
• In-Network Annual Deductible: 

  $5,500 Individual / $11,000 Family

• Separate Rx Deductible: 

  A $500 individual / $1000 family deductible applies to Tier 3 and 4 drugs.

• Coinsurance: You pay 45% / Carrier pays 55%
• Annual Out-of-Pocket Maximum:
  $9,500 Individual / $19,000 Family
• 100% in-network preventative coverage, plus coverage for diagnostics, labs and x-rays. 
• United Healthcare (UHC) network includes 1,196,000 doctors/providers and 67,000 pharmacies across the U.S.
• Access to reward programs through UHC, for additional rewards. 
  
  

To qualify for this plan, you must be able to work 68 hours (approximately 8.5 shifts) through onDiem per month. 

This eligibility requirement does not apply until after your waiting period is over and your coverage officially begins.

To qualify for this plan, you must be able to work 68 hours (approximately 8.5 shifts) through onDiem per month. 

This eligibility requirement does not apply until after your waiting period is over and your coverage officially begins.