Overview
Your medical plan options include a range of coverage levels and costs, so you can choose the one that’s best for you. You can enroll as a new hire, during Open Enrollment, or if you have a qualifying life event. To enroll, log in to the Oracle Self Service website.
Key features
All of our medical plans provide:
Comprehensive, affordable coverage
for a wide range of health care services.
Free in-network preventive care
with services such as annual physicals, recommended immunizations, and routine screenings all 100% covered.
Prescription drug coverage
provided by Express Scripts or Kaiser Permanente, depending on the plan you choose.
Financial protection
through annual out-of-pocket maximums that limit how much you’ll pay each year.
2025 medical plans
Regence BCBS PPO High Deductible Plan CDHP and SelectHealth PPO High Deductible Plan CDHP
Administered by: Regence BCBS (National) or SelectHealth PPO High Deductible Plan CDHP (Utah only)
Take charge of your spending through lower premiums, higher deductibles, and a tax-free Health Savings Account (HSA) (with contributions from Myriad Genetics). The Regence BCBS PPO High Deductible Plan CDHP and SelectHealth PPO High Deductible Plan CDHP provides access to a wide network of providers, and out-of-network services are also covered. Remember: You may pay more if you go out-of-network.
Kaiser Permanente HMO CDHP
Administered by: Kaiser Permanente (California only)
Take charge of your spending through lower premiums, higher deductibles, and a tax-free Health Savings Account (HSA) (with contributions from Myriad Genetics). Receive coverage for in-network care only, coordinated by your primary care provider (PCP). The Kaiser Permanente HMO CDHP is available only to teammates located in California.
Regence BCBS HPN CDHP
Administered by: Regence BCBS
Take charge of your spending through lower premiums, higher deductibles, and a tax-free Health Savings Account (HSA) (with contributions from Myriad Genetics). The Regence BCBS HPN CDHP provides access to a narrow network of providers, and out-of-network services are not covered. However, you are not required to name a primary care provider and may coordinate your own care.
Regence BCBS Traditional and SelectHealth Copay
Administered by: Regence BCBS (National) or SelectHealth PPO Copay (Utah only)
Reduce your out-of-pocket costs when you receive care through a lower deductible and higher premiums. Pay a set copay when you receive certain in-network services — like primary care, specialist visits, and more — without meeting your deductible first. Under the Regence BCBS Traditional and SelectHealth Copay , you may see any provider you choose, but you may pay more if you go out-of-network.
Regence BCBS HPN Copay
Administered by: Regence BCBS
Pay a set copay when you receive certain in-network services — like primary care, specialist visits, and more — without meeting your deductible first. The Regence BCBS HPN Copay provides access to a narrow network of providers, and out-of-network services are not covered. However, you are not required to name a primary care provider and may coordinate your own care.
Kaiser Permanente HMO Copay
Administered by: Kaiser Permanente (California only)
Receive coverage for in-network care only, coordinated by your primary care provider (PCP). Pay a set copay when you receive in-network services — like primary care, specialist visits, and more. There is no deductible to meet. The Kaiser Permanente HMO Copay is available only to teammates located in California.
Additional plan: HMSA Hawaii Copay
The HMSA Hawaii Copay plan is available in addition to the medical plans outlined above. Refer to the HMSA Summary of Benefits for additional information.
How much does Myriad Genetics medical coverage cost?
Myriad Genetics pays a generous portion of the cost of your medical coverage. You’ll pay the remaining amount through pre-tax premiums from your paycheck. The amount you pay will depend on which plan you choose and whether you cover just yourself or family members, too. You can view your plan costs on Oracle Self Service.
Plan Comparison
Use this interactive side-by-side plan comparison to understand key differences between the plans.
| Regence BCBS PPO High Deductible Plan CDHP and SelectHealth PPO High Deductible Plan CDHP |
Kaiser Permanente HMO CDHP (California Only) |
Regence BCBS HPN CDHP | Regence BCBS Traditional and SelectHealth Copay |
Kaiser Permanente HMO Copay (California Only) |
Regence BCBS HPN Copay | |
|---|---|---|---|---|---|---|
| HSA features | ||||||
| HSA-eligible | Yes | Yes | Yes | No | No | No |
| Company contribution to HSA | $500 for employee-only coverage or $1,000 if you cover dependents | $500 for employee-only coverage or $1,000 if you cover dependents | $350 for employee-only coverage or $800 if you cover dependents | None | None | None |
| Annual deductible (individual / family) | ||||||
| In-network | $2,000 / $4,000 | $2,000 / $4,000 ($2,800 per person in a family) | $2,000 / $4,000 | $1,000 / $2,000 | $0 / $0 | $1,000/$2,000 |
| Out-of-network | $3,500 / $7,000 | N/A | N/A | $1,200 / $2,400 | N/A | N/A |
| Coinsurance | ||||||
| In-network | You pay 20%, plan plays 80% | You pay 10%, plan plays 90% | You pay 20%, plan plays 80% | You pay 20%, plan plays 80% | You pay 0%, plan plays 100% | You pay 20%, plan plays 80% |
| Out-of-network | You pay 35%, plan pays 65% | N/A | N/A | You pay 30%, plan pays 70% | N/A | N/A |
| Annual out-of-pocket maximum (individual / family) | ||||||
| In-network | $4,000 / $7,150 | $4,000 / $7,150 ($4,000 per person in a family) | $4,000 / $7,150 | $4,000 / $7,150 | $1,500 / $3,000 | $4,000 / $7,150 |
| Out-of-network | $4,500 / $9,000 | N/A | N/A | $4,500 / $9,000 | N/A | N/A |
| Health care visits: Your costs | ||||||
| Preventive care | Covered at 100% in-network, so you pay nothing | Covered at 100% in-network, so you pay nothing | Covered at 100% in-network, so you pay nothing | Covered at 100% in-network, so you pay nothing | Covered at 100% in-network, so you pay nothing | Covered at 100% in-network, so you pay nothing |
| Primary care (in-network) | You pay 20% after deductible | You pay 10% after deductible | You pay 20% after deductible | $30 copay | $20 copay | $30 copay |
| Primary care (out-of-network) | You pay 35% after deductible | Not covered | Not covered | You pay 30% after deductible | Not covered | Not covered |
| Specialist (in-network) | You pay 20% after deductible | You pay 10% after deductible | You pay 20% after deductible | $50 copay | $20 copay | $50 copay |
| Specialist (out-of-network) | You pay 35% after deductible | Not covered | Not covered | You pay 30% after deductible | Not covered | Not covered |
| Behavioral health (in-network) | You pay 20% after deductible | You pay 10% after deductible | You pay 20% after deductible | $20 office visit copay* | $20 copay | $20 office visit copay* |
| Behavioral health (out-of-network) | You pay 35% after deductible | Not covered | Not covered | You pay 30% after deductible | Not covered | Not covered |
| Telehealth | You pay 20% after deductible | You pay 20% after deductible | You pay 20% after deductible | $30 copay | $30 copay | $30 copay |
| Urgent care (in-network) | You pay 20% after deductible | You pay 10%, after deductible | You pay 20% after deductible | $30 copay | $30 copay | $30 copay |
| Urgent care (out-of-network) | You pay 35% after deductible | You pay 10%, after deductible | Not covered | You pay 30% after deductible | $20 copay | Not covered |
| Emergency room (in- and out-of-network) | You pay 20% after deductible | You pay 10%, after deductible | You pay 20% after deductible | $150 copay | $100 | $150 copay |
| Prescriptions – up to 30-day supply at retail pharmacy: Your in-network costs | ||||||
| Generic | $10 after deductible | $10 after deductible | $10 after deductible | $15** | $10 | $15** |
| Preferred Brand | $35 after deductible | $30 after deductible | $35 after deductible | $30** | $20 | $30** |
| Non-Preferred Brand | $60 after deductible | $30 after deductible | $60 after deductible | $70** | $20 | $70** |
| Specialty | $100 after deductible | 20% after deductible (up to $200) | $100 after deductible | $150** | 20% | $150** |
| Prescriptions – up to 90-day supply (mail order or retail pharmacy): Your in-network costs | ||||||
| Generic | $25 after deductible | $20 after deductible | $25 after deductible | $37.50** | $20 | $37.50** |
| Preferred Brand | $87.50 after deductible | $60 after deductible | $87.50 after deductible | $75** | $40 | $75** |
| Non-Preferred Brand | $150 after deductible | $60 after deductible | $150 after deductible | $175** | $40 | $175** |
*20% after deductible for outpatient or inpatient services.
**Deductible does not apply.
What happens if I see an out-of-network provider?
If you enroll in the Kaiser Permanente HMO CDHP, Regence BCBS HPN CDHP , Regence BCBS HPN Copay , or Kaiser Permanente HMO Copay plan, out-of-network services are not covered. However, if you enroll in the Regence BCBS PPO High Deductible Plan CDHP and SelectHealth PPO High Deductible Plan CDHP or Regence BCBS Traditional and SelectHealth Copay plan, you may see any provider you choose, but you may pay more if you receive services from an out-of-network provider. Here are a few things to look out for if you choose to go out of network:
- Balance billing: The amount that an out-of-network provider bills you for that makes up the difference between the charged amount and the approved amount, which is typically lower than the charged amount. The “balance billed” amount does not count toward your deductible or out-of-pocket maximum.
- Higher deductibles: While out-of-network services are covered under the Regence BCBS PPO High Deductible Plan CDHP and SelectHealth PPO High Deductible Plan CDHP and Regence BCBS Traditional and SelectHealth Copay plans, the out-of-network deductibles are higher, so you may end up paying more out of pocket.
CDHP Plans
The Regence BCBS PPO High Deductible Plan CDHP and SelectHealth PPO High Deductible Plan CDHP , Kaiser Permanente HMO CDHP, and Regence BCBS HPN CDHP plans pair low-premium, high-deductible coverage with a tax-free Health Savings Account (HSA) that helps you save money and plan ahead for future medical expenses. This combination gives you more control over your money and rewards you for making healthy, cost-conscious choices.
As an added bonus, Myriad Genetics will contribute to your HSA. If you enroll in the Regence BCBS PPO High Deductible Plan CDHP and SelectHealth PPO High Deductible Plan CDHP or Kaiser Permanente HMO CDHP, Myriad Genetics will contribute $500 for teammate-only coverage or $1,000 if you cover dependents. If you enroll in the Regence BCBS HPN CDHP , Myriad Genetics will contribute $350 for teammate-only coverage or $800 if you cover dependents.
With these plans, you can see any provider you wish, but you will pay less when you stay in network.
How the Regence BCBS PPO High Deductible Plan CDHP and SelectHealth PPO High Deductible Plan CDHP , Kaiser Permanente HMO CDHP, and Regence BCBS HPN CDHP plans work
You pay the plan premiums from your paycheck to have coverage. When you receive in-network preventive care, you pay nothing — it’s covered in full! If you need non-preventive care, it works like this:
*With the Regence BCBS PPO High Deductible Plan CDHP and SelectHealth PPO High Deductible Plan CDHP
and Regence BCBS HPN CDHP
, coinsurance for any person covered under a family plan begins only after the entire family deductible has been met. With the Kaiser Permanente HMO CDHP, coinsurance for any person covered under a family plan begins after the individual meets the individual within a family embedded deductible.
**With the Regence BCBS PPO High Deductible Plan CDHP and SelectHealth PPO High Deductible Plan CDHP
and Regence BCBS HPN CDHP
, the plan begins to pay 100% for any person covered under a family plan only after the entire family out-of-pocket maximum has been met. With the Kaiser Permanente HMO CDHP, coinsurance for any person covered under a family plan begins after the individual meets the individual within a family embedded out-of-pocket maximum.
Use your HSA to save money and plan ahead!
Contributing to your HSA is a great way to budget for deductibles and other out-of-pocket expenses while also saving money — your HSA contributions are tax-free!*
Keep in mind:
- The Regence BCBS PPO High Deductible Plan CDHP and SelectHealth PPO High Deductible Plan CDHP , Kaiser Permanente HMO CDHP, and Regence BCBS HPN CDHP cost you less from your paycheck, so you may have extra money to put in your HSA.
- You can only spend HSA money already deposited into your account. If you don’t have enough money in your HSA when you need it, you can pay another way and reimburse yourself later to take full advantage of your HSA’s tax savings.
- You will never forfeit any money left in your HSA — it rolls over each year. To save for your health care costs in retirement or prepare for future expenses, set aside a little extra each paycheck to grow your balance.
- You can change your HSA contribution amount throughout the year, if needed.
- You can pair your HSA with a tax-free Limited Purpose Flexible Spending Account (FSA) to save even more.
*HSA contributions are not subject to federal income tax, but are currently subject to state income tax in CA and NJ. Consult with your tax advisor to understand the potential tax implications of enrolling in an HSA. Money in an HSA can be withdrawn tax-free as long as it is used to pay for qualified health-related expenses. If money is used for ineligible expenses, you will pay ordinary income tax on the amount withdrawn, plus a 20% penalty tax if you withdraw the money before age 65.
PPO Plans
The Regence BCBS Traditional and SelectHealth Copay offer more predictable out-of-pocket costs in exchange for higher premiums. You can see any provider, but you’ll pay less by staying in network.
How the Regence BCBS Traditional and SelectHealth Copay work
You pay the plan premiums from your paycheck to have coverage. When you receive in-network preventive care, you pay nothing — it’s covered in full! If you need non-preventive care, it works like this:
Save money with an FSA!
Take advantage of tax-free savings for health care payments with a Health Care Flexible Spending Account (FSA). However, plan your FSA contributions carefully: you can only carry over up to $660 of unused money in your FSA to the next year; you will forfeit any remaining amount above $660.
EPO Plan
The Regence BCBS HPN Copay plan provides coverage only when you receive care from in-network providers. This plan offers predictable copays for doctor visits and prescriptions in exchange for higher premiums. While you must use in-network providers under the Regence BCBS HPN Copay , you are not required to name a primary care provider (PCP) and may coordinate your own care.
How the Regence BCBS HPN Copay works
You pay the plan premiums from your paycheck to have coverage. When you receive in-network preventive care, you pay nothing — it’s covered in full! If you need non-preventive care, it works like this:
Save money with an FSA!
Take advantage of tax-free savings for health care payments with a Health Care Flexible Spending Account (FSA). However, plan your FSA contributions carefully: you can only carry over up to $660 of unused money in your FSA to the next year; you will forfeit any remaining amount above $660.
HMO Plan
The Kaiser Permanente HMO Copay plan provides coverage only when you receive care from providers within the HMO network. Your primary care provider (PCP) will coordinate your care to help manage costs.
How the Kaiser Permanente HMO Copay works
You pay the plan premiums from your paycheck to have coverage. When you receive in-network preventive care, you pay nothing — it’s covered in full! If you need non-preventive care, it works like this:
Do you have a PCP?
An HMO requires you to select a primary care provider (PCP) who will manage your care and provide referrals if you need to see a specialist. Find a doctor.
Save money with an FSA!
Take advantage of tax-free savings for health care payments with a Health Care Flexible Spending Account (FSA). However, plan your FSA contributions carefully: you can only carry over up to $660 of unused money in your FSA to the next year; you will forfeit any remaining amount above $660.
Prescription Drugs
When you enroll in the Regence BCBS PPO High Deductible Plan CDHP and SelectHealth PPO High Deductible Plan CDHP , Regence BCBS HPN CDHP , Regence BCBS Traditional and SelectHealth Copay , or Regence BCBS HPN Copay plan, you automatically receive prescription drug benefits through Express Scripts. Or if you enroll in the Kaiser Permanente HMO CDHP or Kaiser Permanente HMO Copay plan, you’ll receive prescription drug benefits through Kaiser Permanente.
Drug tiers
The cost of your prescription drugs under each medical plan depends on the tier of the medication — generic, preferred, or non-preferred. All prescription carriers have a formulary, or list of drugs based on effectiveness and cost. This list will determine how your prescriptions are covered. Keep in mind that the formulary may change as a result of regular reviews and updates.
Ask your doctor about generic medications.
They’re generally just as effective as brand-name medications but typically cost 80-85% less.
Use the home delivery feature.
Save time and money on maintenance medication for chronic conditions — such as an allergy, high blood pressure, or diabetes — with the convenient, cost-saving home delivery prescription programs through Express Scripts and Kaiser Permanente.
Why use home delivery?
- Free shipping on prescriptions.
- No waiting in line at the pharmacy.
- Reduced cost for a three-month supply.
- Convenient, automatic refills.
Prescription programs
Your pharmacy benefits include several programs aimed at ensuring your safety and making sure you receive the most clinically appropriate and cost-effective medication.
Prescription tools
Visit your prescription plan website or download the mobile app to manage your prescriptions, order refills, sign up for home delivery, and more. Get started by creating an online account on the Express Scripts or Kaiser Permanente website.
Find a Doctor
Using in-network providers saves you money. Here’s how to find doctors in your medical plan’s network.
Regence BCBS
- Visit the Regence BCBS website.
- Click on “Find a Doctor” and follow the prompts.
SelectHealth PPO High Deductible Plan CDHP
- Visit the SelectHealth PPO High Deductible Plan CDHP website.
- Click on “Find Care” and then select “Find a Doctor.”
- Search by the provider’s name, or select your plan’s network from the dropdown menu to search in-network providers in your area.
Kaiser Permanente
- Visit the Kaiser Permanente website.
- Click on “Doctors & Locations” and select your region.
- Search for a provider by ZIP code or keyword.
Don’t have a personal doctor? You should. Here’s why.
- Better health. Yearly health screenings can reduce your risk for many serious conditions. Preventive care is free, so there’s no excuse to skip it.
- Greater savings. Having a doctor you can call helps you avoid costly trips to the emergency room.
- Peace of mind. Your personal doctor gets to know you and your health history, provides advice you can trust, and helps coordinate your care.
Telehealth
All Myriad Genetics medical plans provide access to telehealth services. Consider using telehealth for non-emergency medical or behavioral health care — it’s available from the comfort of your home or wherever you are.
Telehealth is a great option when:
- You don’t feel up to going to the doctor’s office.
- You can’t get to your doctor because you’re traveling.
- You need care after hours (nights, weekends, holidays).
Who is my telehealth provider?
Your telehealth provider is determined by the medical plan you choose:
- Regence BCBS: MDLive
SelectHealth: Connect Care
Kaiser: Kaiser Telehealth
Refer to the Contacts page for additional details.
Try telehealth for fast, affordable care
Telehealth provides convenient health care services anytime, anywhere. You have 24/7 access to board-certified doctors by phone or video using your telehealth provider’s mobile app or website. Doctors can diagnose, treat, and prescribe medication when needed for many common conditions. The cost for a telehealth appointment varies by medical plan, but is typically less than going to an urgent care center.
Myriad Genetics Test Coverage
Teammate and Dependent Testing Policy and Program
All current teammates and eligible dependents* are qualified to receive any testing service provided by Myriad Genetics and its subsidiaries at no personal out-of-pocket cost provided they meet the eligibility criteria for such testing. View the full policy here.
Myriad Genetics employees living outside of the U.S. should learn more about appropriate tests and then contact Myriad Medical Services to learn more about which tests are available in their country and next steps.
Eligibility Criteria
All teammates and eligible dependents* who are interested in participating in this program must meet the medical necessity and eligibility requirements for the underlying testing service. The test must be ordered by a health care provider, who must also receive and review the results with the patient. Myriad Genetics will not bill insurance and will provide testing at no cost to the teammate or eligible dependent.
Covered Test Products
Click here for detailed information about covered test services and their eligibility criteria.
*Eligible dependents: Teammate’s spouse, domestic partner, and dependent children (up to age 26).
Tools & Resources
Your medical plan offers additional features to help you get the most from your coverage.
Online tools
Log in to your medical plan website or download the mobile app to:
- Find a doctor.
- Compare costs.
- Manage claims.
- And much more.
Get started by setting up an online account for your plan — Regence, Select Health or Kaiser Permanente