Medical plan overview (all employees except Hawaii-based)
For 2025, you’ll still have the same medical plan choices available today, plus the new Surest Copay Only Plan.
The basics of how the plans work are not changing, but we are renaming two of the plans:
- Health Reimbursement Account (HRA) Plan = PPO Plan with Health Reimbursement Account (HRA)*
- Health Savings Account (HSA) Plan = High Deductible Plan with Health Savings Account (HSA)
*PPO = Preferred Provider Organization
Watch this video for an overview of all the medical plans and the key differences!
Medical plan options (all employees except Hawaii-based)
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 copay amount you’ll pay when you get care.
Calendar Year Deductible
The amount you must pay before the Plan begins to pay for most services.
N/A
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%.
N/A
T-Mobile Account funding
N/A
Cost per pay period
Lowest
High Deductible Plan with HSA
How the plan works
This plan offers both in- and out-of-network coverage. 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 the plan 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.
$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 contributions are prorated and funded each pay date.
Cost per pay period
Second-lowest
PPO Plan with 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.
$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 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.
$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.
Making the most of your health accounts
T-Mobile offers a variety of funding options to help you pay for healthcare expenses.
But which accounts do you have access to? It depends on which medical plan you’re enrolled in.
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
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 $640