Cost for coverage
The amount you pay for coverage depends on which plan you choose and who you cover.
Choosing the right plan
When determining which medical plan is best for you, consider how you typically use your health coverage and how you prefer to pay out-of-pocket costs.
If you need help choosing a plan, Caleres offers a variety of tools to help you decide.
Watch a short Medical Plan Comparison video that compares our four medical plans. During enrollment, take a short quiz in Dayforce to get help picking a plan.
Compare plan details
This chart shows figures for in-network care only. View this detailed medical plan comparison for out-of-network costs.
In-network costs
| Traditional Plan | Protection Plan | Consumer Plan | Surest Plan | |
|---|---|---|---|---|
| Deductible | $700/person $2,100/family |
$700/person $2,100/family |
$1,850/person $3,700/family |
$0 |
| Out-of-pocket maximum | $4,500/person $9,000/family |
$4,500/person $9,000/family |
Combined Medical & Rx: $4,500/person $9,000/family |
$4,500/person $7,000/family |
| PCP office visit | $30 copay, after deductible | 50% coinsurance, up to $75, after deductible | 25% coinsurance, after deductible | $45-$150 copay |
| Specialist office visit | $50 copay, after deductible | 50% coinsurance, up to $75, after deductible | 25% coinsurance, after deductible | $45-$150 copay |
| Virtual visit | $30 copay, after deductible | 50% coinsurance, up to $75, after deductible | 25% coinsurance, after deductible | $0 |
| Urgent care | 20% coinsurance, after deductible | 50% coinsurance, up to $75, after deductible | 25% coinsurance, after deductible | $100 copay |
| Emergency room | $450 copay + 20% coinsurance (waived if admitted) | $450 copay + 20% coinsurance (waived if admitted) | 25% coinsurance, after deductible | $1,000 copay |
| Labs and X-rays | 20% coinsurance, after deductible | 20% coinsurance, after deductible | 25% coinsurance, after deductible | $0 |
| Health accounts | Health Care FSA | Health Care FSA | HSA & Limited Purpose Health Care FSA | Health Care FSA |
For more details, view the medical plan documents.
Using your medical plan
UnitedHealthcare (UHC) offers a variety of tools to help you make wise health care decisions.
Find in-network care
No matter which plan you choose, staying in the UHC network saves you money. Search for in-network providers or call 1-888-298-1061.
Note for Surest members: Surest utilizes the UHC and Optum Behavioral Health networks, but some providers may not recognize the Surest name. Your medical ID card lists your payer ID and UHC network — provide this information to your doctor’s office. For more information, visit UHC for Surest.
Get free virtual medical consultations
Through Caleres, you and your covered family members can utilize 2nd.MD, a virtual expert medical consultation and navigation service that specializes in medical certainty — at no cost to you.
2nd.MD connects you with board-certified, elite specialists who can answer questions about:
- Diseases, cancer, and chronic conditions
- Surgeries and procedures
- Medications and treatment plans
To get started, visit 2nd.MD, call 1-866-269-3534, or download the mobile app for iOS or Android.
Find LGBTQ+ care and support
Some benefits included in our plans may be of interest to members and allies of the LGBTQ+ community. From HIV services to gender-affirming care and more, we hope you find these benefits helpful and meaningful. Review the LGBTQ+ Inclusive Benefits from United Healthcare.
Mental well-being support from Calm Health
Calm Health is available at no cost to you and your dependents age 16 or older if you’re covered by a UHC plan (now) or Surest (starting Jan. 1, 2025). It includes online and app-based resources for sleep, meditation and mindfulness. It also offers mental health screenings, self-guided learning, evidence-based content and referrals.
To register, sign in to myuhc.com or benefits.surest.com and connect to Calm Health.
Fitness membership through One Pass Select
If you’re enrolled in a UHC or Surest medical plan, you can enroll in One Pass Select, a fitness and well-being program that supports a healthier lifestyle.
One Pass Select provides a total solution for your health needs, including access to a nationwide network of gyms, digital fitness options and grocery delivery.
Understand health care terms
Visit the Just Plain Clear® Glossary to view thousands of health care terms defined in plain, clear language to help you make informed decisions.
Access digital tools and resources
Learn more about your benefits through the mobile app, including plan details, wellness, care management programs, and more:
You can also get round-the-clock support at UHC for Caleres.
UnitedHealthcare creates and publishes the Machine-Readable Files on behalf of Caleres.