Make your choice
Need some help deciding what plan is right for you? We’ve got you covered.
Here are some examples that may help you to decide:
I have chronic health issues and heavy medical expenses, so I worry about out-of-pocket costs.
Paying for care is so confusing. I like to know how much I’m paying before I buy things.
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 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.
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 new 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 at the changes this year—look for plans that take less out of your paycheck.
Which plans should I consider?
The new 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 into the future. If you have low care needs now, you can save for when you need it.
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.
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 new Surest Copay Only Plan. You’ll see your total cost as well as quality ratings before you even step into the office.
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 at the changes this year—look for plans that take less out of your paycheck.
Which plans should I consider?
The new 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 into the future. If you have low care needs now, you can save for when you need it.
How to enroll
Enrolling for the first time?
If you're newly hired and your benefits start in 2024, you first need to choose your benefits for the current year. Visit the I'm New to T-Mobile page to get started. After you enroll as a new hire, you will have the opportunity to choose your benefits for the 2025 plan year. If you don't make any changes, your 2024 benefit choices will continue in 2025, except for the Flexible Spending Account and Childcare Subsidy.
Currently enrolled?
If you’re already part of a T-Mobile benefits plan and don't make any changes, you'll stay in the same plan automatically (subject to any plan and/or premium changes, as applicable).
You must re-enroll if:
You are currently enrolled in a Flexible Spending Account or Childcare Subsidy and want to continue it in 2025.
Ready to get started?
Visit t-mobilebenefits.com/login.