Choosing Your Coverage
Medical
We offer three medical plans through UMR, so you can pick the best fit for you and your family!
PPO Plan
This plan has a higher premium but a lower deductible, so the insurance starts paying sooner. If you prefer predictable medical expenses, this plan may be the right option for you. It can pair with a flexible spending account.
CDHP with HSA Plan
This plan has a lower premium but a higher deductible, so you pay less out of each paycheck for coverage. This plan is generally the best value for the average person, with its lower per paycheck costs, the Hertz health savings account contributions, as well as a reasonable deductible and out-of-pocket limits.
Copay Plan
This plan is a low-cost, high-quality medical plan, with copays for office visits and prescriptions. It has the advantage of being the lowest cost option of the three plans, while providing the predictability of copays. It can pair with a flexible spending account.
Pharmacy Benefits
If you enroll in a Hertz medical plan, you’ll automatically have prescription drug coverage through OptumRx. To save the most while filling prescriptions, use a pharmacy in the OptumRx network. You can search for an in-network pharmacy and look through the current Prescription List by going to optumrx.com.
Rx Savings Solutions
Rx Savings Solutions links to your Hertz medical plan information to find medications to treat your condition that may save you money. This service only lets you know about savings opportunities — it doesn’t change your current medical coverage, pharmacy preferences, current prescriptions, or benefits.
Dental
Hertz offers three dental plans through Cigna:
- Cigna Dental HMO, with in-network-only coverage
- Plan B, a full dental PPO with in- and out-of-network coverage
- Plan C, which only covers preventive care, in-network or out-of-network
All plans offer 100% coverage for diagnostic and preventive care (exams, cleanings and X-rays; maximum 2 visits per plan year).
Health Savings Account (HSA) & Flexible Spending Accounts (FSAs)
Based on the medical plan you elect, you can set aside pre-tax money for health care and dependent care expenses.
HSA
If you enroll in the CDHP Plan, you will have access to a health savings account (HSA) to help you save for health care expenses. Optum Bank will automatically set up your account and send you a debit card to access your funds. Contributions, earnings and withdrawals that are used for qualifying expenses are tax-free.
FSAs
Flexible spending accounts (FSAs) enable you to set aside some of your pay, on a pre-tax basis, into an account to pay for eligible health or dependent care expenses.
There are two types of FSAs:
- The health care FSA (HCFSA) covers copays, deductibles, coinsurance, prescriptions, dental care, eye exams and other eligible health care expenses.
- The dependent care FSA (DCFSA) covers childcare expense while you are at work for children under age 13 or other dependents who are incapable of self-care.
Open Enrollment is November 1 – 15.
Visit hertzbenefits.com to begin!
Depending on your employment classification or if you are covered by a collective bargaining agreement some of the benefits listed on this site may not apply to you. Please refer to your labor agreement or contact your Human Resource Business Partner for further information about the benefits available to you and any limitations or restrictions on eligibility.