2025 benefits options for employees

It’s important that you choose the option that is right for you and your family. Review per-paycheck premiums information and see side-by-side comparisons of plan coverage.

You might typically consider yourself a light, mid-level or power user of our medical plans. Take a look at these examples of how each of our health care plans compares (annual premiums, out-of-pocket costs) during a typical and not-so-typical year.

To find an in-network provider, go to myuhc.com and select Find a provider.

Virtual visits
Receive 24-hour telemedicine support from the comfort of your home. There is a $0 copay for Choice and Choice Plus members, and a $54 copay for HSA plan members, for virtual primary care. Log in to your MyUHC account to learn more about specialist virtual care services including women’s health, dermatology, sleep care, speech therapy and more.

Pre/diabetes and hypertension support – Teladoc Health Chronic Condition Management
Free support to help members manage their pre-diabetes, diabetes and hypertension conditions using smart devices, personalized coaching and health management strategies. Available to you and your covered dependents 18 or older.

Orthopedic support – Specialist Management Solutions®
Connects you with a dedicated team to help you understand treatment choices, direct you to a center of excellence to improve your outcome and potentially lower your out-of-pocket costs.

Nicotine cessation – Quit for Life®
Tobacco users who complete the free Quit for Life program by Nov. 30, 2025, will be reimbursed the $75-per-month tobacco fee.

Mental health support – Virtual Therapy, Self Care from AbleTo and Talkspace
Connect with a licensed therapist from your home or access on-demand self-help support for stress, anxiety and depression.

Wellness and weight management – Real Appeal and One Pass
Real Appeal is a weight loss management program available at no cost to you.

One Pass is a wellness subscription membership that provides access to a nationwide network of fitness locations and on-demand fitness classes. You can also get groceries and household essentials delivered to your home.

Billing support – Naviguard
Choosing in-network providers lowers your financial responsibility, but if you do receive out-of-network services, free billing support is available. An advisor can review your bill and discuss options that may be available to lower the expense.

If you already have UHC coverage through LCRA and choose the same elections, you will not get a new member card. If you make a change to your UHC benefits or enroll for the first time during open enrollment, a new health card will be mailed to your home address at the beginning of the plan year. If you recently moved, go to Inside LCRA and update your home address in Employee Self-Service.

Log in to myuhc.com or download the UnitedHealthcare app to access your ID cards, review out-of-pocket maximums and more.

Prescription drugs are categorized into three pricing tiers, with additional tiers for specialty drugs. Compare the coverage per tier. To search for a prescription drug or view the cost, log in to your MyUHC member portal, click on Pharmacies & Prescriptions, then Drug Look Up.

For your convenience, you can fill a 90-day supply of maintenance prescriptions at a retail pharmacy. The cost would be the equivalent of paying for three months.

Under all three medical plans, you have the option to save money by filling prescriptions via mail-order. The Choice Plus with HSA plan also includes a preventive medication drug list to members at a $0 cost.

If you have a specialty medication, a coupon may lower your monthly copay, which helps you save on your out-of-pocket costs. Contact Optum Specialty Pharmacy to see if your medication is eligible for the specialty medication copay card and coupon program.

• Employer – Active full-time and part-time employees who elect this plan will receive an annual contribution from LCRA to their health savings accounts in January 2025.
  • LCRA will contribute $500 for individuals enrolled in the plan.
  • LCRA will contribute $1,000 for those with family coverage.
  • Note: Employer contributions will be deposited on the first available pay period and will be pro-rated on benefits effective date and/or the date the HSA account is activated. To receive the employer contribution, you must elect the HSA with a minimum annual contribution of $1.00.
• Personal – In addition to LCRA’s contributions, you can make personal contributions to your account within limits set by the IRS.
  • Minimum annual contribution is $1.00.
  • Maximum employee only contribution is $3,800.
  • Maximum employee + family contribution is $7,550.
  • If you are age 55+, a $1,000 catch-up contribution limit is available.

• Fidelity’s HSA Tools – FAQs, a plan comparison calculator and a savings projection tool
• Making the Most of Your Health Savings Account – visual overview of how an HSA works
• Choice Plus with HSA Frequently Asked Questions – answers to common HSA questions
• Summary of Benefits and Coverage – shows you how you and the plan would share the cost for covered health care services

This account is used to cover out-of-pocket healthcare expenses for you and your dependents.

You can make personal contributions to this account within IRS limits:

• Minimum annual contribution is $250.
• Maximum annual contribution is $3,200​.
• Carry over up to $640 of remaining funds into the following plan year

Remember, if you have elected the Choice Plus with HSA medical plan, you are not eligible to participate in this plan.

This account is used to cover eligible dependent care services, such as preschool, summer day camp, before/after school programs and child or adult daycare.

You can make personal contributions to this account within IRS limits:

• Minimum annual contribution is $250.
• Maximum annual contribution is $5,000 ($2,500 if married and filing separately).

You can have a dependent care FSA even if you elect the Choice Plus with HSA medical plan.

View a summary of the plan benefits and the per-paycheck premiums. The calendar year maximum benefit per person is $2,000.

If you use an out-of-network provider, you will pay more out-of-pocket since those providers do not have negotiated rates with Guardian. Search in-network providers on the DentalGuard Preferred network

Teledentistry ​ – a virtual visit resource for when you or your family need urgent care and don’t have a dentist/your dentist is not available. ​​Learn more​.

Byte Orthodontia & Teeth Whitening Kits​​ – receive exclusive discounts on Byte doctor-directed custom clear orthodontic aligners and BrightByte Pro teeth whitening kits. Learn more.

Learn how to view and print your Guardian member ID. Your dentist will call Guardian to verify dental coverage.

Keep track of claims, retrieve electronic ID cards and more through the Guardian mobile app.

The standard plan offers a maximum frames allowance of $125 every 24 months and eye glass lenses every 12 months. If you choose contact lenses in lieu of eye glass lenses and frames, the maximum benefit is $120 per year. Participants pay a $10 copay for an eye exam once every 12 months.

The enhanced plan offers a maximum allowance of $150 every 12 months for either eye glass lenses and frames or contact lenses. Participants pay a $0 copay for an eye exam once every 12 months.

You won’t receive a vision insurance ID card. Your optometrist will call EyeMed to verify coverage.

EyeMed’s Member Web offers benefit breakdowns, savings snapshots, a cost estimator and a detailed eye doctor search. You can also review information on Lasik and hearing benefits. Find your coverage information on-the-go with the EyeMed mobile app.

These benefits help with offsetting medical expenses beyond what is covered by your primary insurance. Once a claim for a qualifying event is approved, supplemental plans provide cash payouts that go directly to you, not your doctor or health care provider. This gives you the flexibility to use the funds as you see fit – whether that means covering out-of-pocket medical costs, fuel for trips to and from appointments or ordering meals for you and your family.

Learn how to easily submit a claim.

There are no pre-existing condition limitations and there are high and low plan options for each benefit.

Most eligible legal matters are 100 percent covered when you work with a network attorney. The plans also offer access to legal databases and other online and over-the-phone legal resources.

The Ultimate Advisor Plus plan includes enhanced identity theft coverage, financial counseling, divorce representation and resources for caregiving and eldercare issues.

You may elect additional supplemental life insurance coverage for yourself up to a maximum of 5 times your base annual salary with a maximum of $500,000. If you are not currently enrolled in employee supplemental life insurance or if you are currently enrolled and increase your supplemental life insurance coverage, you will need to submit evidence of insurability (proof of good health) to the carrier before your enrollment can be finalized.

You may also elect spouse supplemental life insurance coverage up to 2.5 times your annual base salary up to a $250,000 maximum and the coverage cannot exceed 50 percent of your own supplemental life insurance election. Evidence of insurability will be required if you are not already enrolled in a spouse supplemental life plan, or if you want to increase coverage more than one level or the new coverage amount is greater than $100,000.

You may also elect dependent child life insurance for $10,000, $15,000 or $20,000. Evidence of insurability will be required if you do not already have dependent child life insurance or you are increasing coverage more than one level.

Visit the Other Benefits page on Inside LCRA for more information.

You may elect additional supplemental AD&D insurance coverage for yourself in $100,000 increments up to $500,000. Your spouse is eligible for up to 50 percent of your own AD&D coverage, and you can elect coverage for child(ren) in increments of $10,000 up to $50,000.

Visit the Other Benefits page on Inside LCRA for more information.

Review these helpful resources to see if this program is right for you:

• Program overview video
• Student Loan 401(k) Contribution Program FAQ

The Empower wellness program helps you work toward holistic health goals (if you are on LCRA’s medical plans, you can earn $150 each quarter from participating).

Explore free second medical opinions from 2nd.MD and all the resources available through LCRA’s Employee Assistance Program.

Visit the Benefits & Perks page on Inside LCRA to learn about additional benefits and perks available to you.