Medical plan overview
For 2026, you have four medical plan options to choose from. Review how each plan works and continue reading for tips on selecting the option that best matches your current plan.
- Surest Copay Only Plan
- High Deductible Plan with Health Savings Account (HSA)
- PPO Plan with Health Reimbursement Account (HRA)
- EPO Plan
Watch this video for an overview of all the medical plans and the key differences!
Medical plan options (all employees except Hawaii-based)
For cost per pay period details, log into t-mobilebenefits.com/login.
Medical plan options (all employees except Hawaii-based)
Surest Copay Only Plan
How the plan works
With the Surest plan, you have coverage with in-network providers only, with visibility to check and compare costs and options before electing treatment. When you need care, you’ll use a mobile app to shop for your provider and see the amount of copay you’ll pay when you get care. Watch a digital overview to learn more about this plan!
Calendar Year Deductible
The amount you must pay before the Plan begins to pay for most services;
In all plans, preventive care services are covered before the deductible is met.
$0
Calendar Year Out-of-Pocket Maximum (includes deductible)
The most that you will pay in coinsurance in one plan year, after which the Plan pays 100%.
$6,500 Individual
$13,000 Family
T-Mobile Account funding
N/A
Cost per pay period
Lowest
High Deductible Plan with Health Savings Account (HSA)
How the plan works
This plan offers both in- and out-of-network coverage. Most services require you to meet your deductible before the plan begins to pay toward services. To help offset expenses, T-Mobile contributes tax-free funds to a Health Savings Account, and you can too! Any contributions are yours to keep.
Calendar Year Deductible
The amount you must pay before the Plan begins to pay for most services;
In all plans, preventive care services are covered before the deductible is met.
$2,250 Individual $4,500 Family This plan has a ‘true family deductible’ meaning the entire deductible needs to be met before the plan begins to pay toward services for one or more covered members.
Calendar Year Out-of-Pocket Maximum (includes deductible)
The most that you will pay in coinsurance in one plan year, after which the Plan pays 100%.
$4,250 Individual $8,500 Family
T-Mobile Account funding
$500 Individual $1,000 Family
T-Mobile HRA contributions are prorated and funded each pay date.
Cost per pay period
Second-lowest
PPO Plan with Health Reimbursement Account (HRA)
How the plan works
This plan offers both in- and out-of-network coverage. Many services require only a copay; for other services, T-Mobile provides you with an employer-funded Health Reimbursement Account (HRA) to use toward out-of-pocket expenses like your deductible.
Calendar Year Deductible
The amount you must pay before the Plan begins to pay for most services;
In all plans, preventive care services are covered before the deductible is met.
$2,250 Individual $4,500 Family
Calendar Year Out-of-Pocket Maximum (includes deductible)
The most that you will pay in coinsurance in one plan year, after which the Plan pays 100%.
$4,250 Individual $8,500 Family
T-Mobile Account funding
$500 Individual $1,000 Family Entire HSA T-Mobile funding is available first day of coverage.
Cost per pay period
Second-highest
EPO Plan
How the plan works
This plan provides coverage with in-network providers only and has a lower deductible than the PPO Plan with HRA or the High-Deductible Plan with HSA. You pay a copay for most services. And don't worry—in an emergency, you can seek care outside of the network.
Calendar Year Deductible
The amount you must pay before the Plan begins to pay for most services;
In all plans, preventive care services are covered before the deductible is met.
$750 Individual $1,500 Family
Calendar Year Out-of-Pocket Maximum (includes deductible)
The most that you will pay in coinsurance in one plan year, after which the Plan pays 100%.
$3,750 Individual $7,500 Family
T-Mobile Account funding
N/A
Cost per pay period
Highest
Medical for employees living in Hawaii
If you live in Hawaii, your medical plans are offered through HMSA. You have two options:
- HMSA HMO
- HMSA PPO
Get to know the Surest Copay Only Plan
About the plan
The Surest Copay Only Plan is T-Mobile’s new medical option that empowers you to review cost and coverage details before receiving care. With access to UnitedHealthcare’s broad network, you can receive high-quality medical coverage with up-front copays.
How it works
The Surest plan has no deductible and no coinsurance and you’ll pay one single all-in price for your visit—no more surprise bills months later! Plan members use the Surest app or Surest website to search for and compare options within the UnitedHealthcare network. Different providers have different bundled copay pricing for the same service, so comparing costs by provider allows you to plan ahead and make informed decisions.
What it covers
This plan covers the same services and procedures as all other T-Mobile medical plans. It also includes expanded access to virtual care options for services like migraine clinics, sleep clinics, mental health, substance use, and more.
Who’s eligible
All employees except Hawaii-based employees.
More information
- View Surest FAQs
- Watch the Digital Overview
- Schedule a 15 minute 1:1 consultation with a Surest expert to get all your questions answered
For details on plan coverage and per paycheck costs, visit t-mobilebenefits.com.
Save more with T-Mobile health accounts
T-Mobile offers a variety of funding options to help you pay for healthcare expenses.
Here’s a quick summary to help you know what accounts you can use to lower your out-of-pocket healthcare expenses:
Health Reimbursement Account (HRA)
Which medical plan does this account work with?
PPO Plan with HRA
Does the company contribute?
Yes
$500 Individual $1,000 Family
Can I contribute?
No
Do the funds roll over to the next year?
Yes, up to $6,000 but only if you remain enrolled in a T-Mobile HRA plan
Health Savings Account (HSA)
Which medical plan does this account work with?
High Deductible Plan with HSA
Does the company contribute?
Yes
$500 Individual $1,000 Family
Can I contribute?
Yes
Do the funds roll over to the next year?
Yes, fund don't expire
Healthcare Flexible Spending Account (HCFSA)
Which medical plan does this account work with?
All plans except the High Deductible Plan with HSA
Does the company contribute?
No
Can I contribute?
Yes
Do the funds roll over to the next year?
Yes, up to $680
Plan considerations
Wondering how your current plan compares to your new T-Mobile plan options? Let us help.
Don’t forget to check if your providers are in-network.
If you have a preferred doctor, make sure to confirm they are in-network before you change medical plans. You will save money, and preventive care is 100% covered for all plans when you go in-network.
Curious about how these plans work in real-life situations?
Here are some examples to help you decide:
My situation
I have chronic health issues and heavy medical expenses, so I worry about out-of-pocket costs.
My situation
Paying for care is so confusing. I like to know how much I’m paying before I buy things.
My situation
I’m healthy and don’t really want to pay for coverage I don’t need. I’m okay with a more pay-as-you-go approach.
Things to think about
You may want a plan where you pay a little more each paycheck, but have lower expenses when you go to the doctor.
Which T-Mobile plans should I consider?
Take a look at the PPO Plan with HRA. Its lower out-of-pocket maximum plus the T-Mobile HRA contribution may save you money.
Also consider the EPO plan. It has the lowest deductible available and low copays, but does restrict you to in-network doctors only.
Things to think about
You’ll want a medical plan that makes it easy to shop for care, so you can choose a provider based on the right balance of quality ratings and cost.
Which T-Mobile plans should I consider?
Be sure to check out the Surest Copay Only Plan. You’ll see your total cost as well as quality ratings before you even step into the office.
Things to think about
Take a close look to make sure your doctors are in-network—look for plans that take less out of your paycheck.
Which T-Mobile plans should I consider?
The Surest Copay Only Plan or the High Deductible Plan with HSA have the lowest cost per paycheck.
In the High Deductible with HSA Plan, you can put aside money from your paycheck on a pretax basis to save in the future. If you have low care needs now, you can save for when you need it.
My situation
I have chronic health issues and heavy medical expenses, so I worry about out-of-pocket costs.
Things to think about
You may want a plan where you pay a little more each paycheck, but has lower expenses when you go to the doctor.
Which plans should I consider?
Take a look at the PPO Plan with HRA. Its lower out-of-pocket maximum plus the T-Mobile HRA contribution may save you money.
Also consider the EPO plan. It has the lowest deductible available and low copays, but does restrict you to in-network doctors only.
My situation
Paying for care is so confusing. I like to know how much I’m paying before I buy things.
Things to think about
You’ll want a medical plan that makes it easy to shop for care, so you can choose a provider based on the right balance of quality ratings and cost.
Which plans should I consider?
Be sure to check out the Surest Copay Only Plan. You’ll see your total cost as well as quality ratings before you even step into the office.
My situation
I’m healthy and don’t really want to pay for coverage I don’t need. I’m okay with a more pay-as-you-go approach.
Things to think about
Take a close look to make sure your doctors are in-network—look for plans that take less out of your paycheck.
Which plans should I consider?
The Surest Copay Only Plan or the High Deductible Plan with HSA have the lowest cost per paycheck.
In the High Deductible with HSA Plan, you can put aside money from your paycheck on a pretax basis to save in the future. If you have low care needs now, you can save for when you need it.