2027 Medical Plan Comparison Chart
Imaging / Other
Outpatient Facility fee (for procedure)
1 Deductible applies except for annual preventive care. Additionally, under the HSA Copay, if you’re covering dependents, you must meet the full family deductible before the plan begins to share the cost of non-preventive benefits.
2 Under Traditional Coinsurance, the same deductible and out-of-pocket maximum apply to both in- and out-of-network services.
3 Eligible prescription drug expenses includes both in- and out-of-network pharmacy expenses.
4 Out-of-pocket maximum includes deductible, copays, and coinsurance you pay for eligible expenses.
5 $15 copay for virtual health visits through your medical plan administrator — either through Horizon CareOnline for Horizon members or myuhc.com/virtualvisits for UHC members (including Teladoc, Amwell, and Doctor On Demand). The deductible will not apply regardless of which medical plan option you are enrolled in. From migraines and sinus infections, flu or COVID-19 concerns, to skin rashes, and more, get care 24/7 from a licensed provider. Excludes mental health and specialist visits. The $15 copay does not apply for telehealth visits you have with regular providers; rather, these are considered office visits under the plan.
6 Deductible does not apply.
Note: Out-of-network coverage for select services such as dialysis and certain home and specialty medications are not covered regardless of plan option. Refer to your Summary Plan Description for details.
(As of Sept. 1, 2021 or hire date if later)
Includes One-Time HealthEquity $50 Contribution
(individual/family)
Preventive Care
Services or supplies that aren’t provided for the treatment of an injury or illness. It includes, but is not limited to: an annual routine physical exam, including: related X-rays and certain lab tests; immunizations and vaccines; preventive screening tests such as colonoscopy and mammography; well-baby care; and well-adult care. Speak with your provider to ensure that services are coded as preventive as the preliminary diagnosis to ensure your preventive care is paid at 100%.
Virtual Visits
$15 Virtual visits will be offered through your medical plan administrator for non-emergency health conditions, such as a rash, the flu, or a sinus infection (excludes mental health and specialist visits). The deductible does not apply for these visits — even if you are enrolled in the HSA Copay option!
For UnitedHealthcare (UHC):
Services will be available through myuhc.com/virtualvisits or by downloading the UnitedHealthcare App.
For Horizon BlueCross BlueShield (Horizon):
Services will be available through Horizon CareOnline, which can be found through Horizonblue.com/Pfizer or the Horizon Blue App.
The $15 copay does not apply for telehealth visits you have with regular providers; rather, these are considered office visits under the plan.
Deductible
Amount you pay for non-preventive covered services before your plan begins to pay. Review the Understanding the Family Deductible tip sheet for more information.
Out-of-Pocket Maximum
The most you will pay out-of-pocket for eligible expenses in any given calendar year for covered services, including all deductibles, copays, and coinsurance. After you reach the out-of-pocket maximum, all remaining covered services will be paid by the plan at 100% for the remainder of the plan year. Note that different out-of-pocket maximums may apply for in-network and out-of-network care. Additionally, the out-of-pocket maximum for medical expenses is separate from the out-of-pocket maximum for prescription medications dispensed through a pharmacy, except under the HSA Copay, where the out-of-pocket maximum for medical and prescription medication expenses is combined.
Allowed Amount
The Allowed Amount for out-of-network medical (including mental health) services is generally defined as 200% of the Medicare reimbursement rate. This is a change from the 250% maximum reimbursement rate used in 2026. For covered services and supplies where Medicare does not provide a reimbursable rate, the Allowed Amount for these out-of-network services will be determined based on the method utilized by your plan administrator. You may also be responsible for any non-covered costs, or the difference between the billed charges and the allowance for out-of-network providers. Contact your plan administrator if you are billed for amounts in excess of the Allowed Amount to determine if they can provide you with any balance billing support.
Primary Care Visit
A primary care visit copay applies to non-preventive visits with your primary care physician, including an internist, family practitioner, general practitioner, or pediatrician. The same copay also applies to visits with a mental health provider, acupuncturist, chiropractor, physical therapist, occupational therapist, or speech therapist.
Pfizer Company Contribution to the HSA
(As of September 1, 2026 or hire date if later)
(individual/family)