Consumer Choice Coverage Details
ORNL offers medical coverage through UnitedHealthcare. This plan also includes prescription and vision coverage. The Consumer Choice Plan offers a Health Savings Account (HSA), if eligible. Select your personal HSA contributions if you want your deductions to start in January 2026.
In 2026, the deductibles for the Consumer Choice medical plan will increase to $1,700 (individual coverage) and $3,400 (dual and family coverage). This change is due to the IRS adjusting the minimum deductibles for the high deductible health plans to qualify for a Health Savings Account. The out-of-pocket maximums will remain the same at $2,500 (individual) and $5,000 (dual and family).
To review your coverage details, select a resource below.
Find a Doctor
If you are a current UnitedHealthcare member, visit myuhc.com and use the Find a Doctor tool or call UnitedHealthcare at 1-844-234-7925 to learn more about your in-network providers and estimate your potential costs for services.
If you are not a UnitedHealthcare member, visit whyuhc.com, Find a Doctor, All UHC Plans, Choice Plus or call UnitedHealthcare at 1-844-234-7925 to explore in-network providers and estimate your potential costs for services before you enroll in a health plan.
Prescription Drug Coverage
Prescription drug coverage is through Express Scripts and is included in your medical plan.
Members will continue to have the choice of filling maintenance medications at their local pharmacy or through Express Scripts home delivery for a 90-day supply. Nonmaintenance medications and new prescriptions can continue to be filled for a 30-day supply at a retail pharmacy. Certain rules may apply to your prescription such as prior authorizations, step therapy, smart 90-exclusive, or member pays the difference. See the Summary Plan Description for a description of these rules.
Note: When you use the price a medication tool, you will be alerted if any of these rules apply.
Do you need help managing your diabetes? If you are enrolled in one of ORNL’s medical plans, take advantage of enrolling with Livongo. Get started today on improving your health.
Do you or a family member require specialty medications? Accredo Specialty Pharmacy is there to help you. Watch this short video for more information.
