CSL Medical Plans

One fact of life that’s hard to avoid: There’s a good chance you’ll need medical care at some point. Whether you’ve twisted your wrist, your child has a fever, or you just need an annual checkup, you’ll be glad to have medical coverage you can count on through CSL.

Day 1 health care!

You're eligible for health care coverage on your first day of employment with CSL.

Your Medical Plan Choices

CSL offers a range of medical plans to meet your diverse needs. You have three coverage options to choose from:

  • Basic Plan: A preferred provider organization (PPO) option with prescription drug copays
  • High Deductible Health Plan (HDHP) with Health Savings Account (HSA): A high-deductible option with an HSA and prescription drug coinsurance
  • Premium Plan: A PPO option with prescription drug copays

For each of the three options, you can choose between two comprehensive national provider networks:

  • UMR by UnitedHealthcare: UnitedHealthcare provider network: Choice Plus
  • Meritain Health, an Aetna company: Aetna provider network: Aetna Choice POS II

The best coverage option and network for you depend on your preferences and needs. Both the Meritain Health and UMR networks include prescription drug coverage through CVS Caremark.

With all the plans, you can choose any doctor or facility, but you’ll pay less when you use in-network providers. The plans all pay 100% of in-network preventive care services, with no copay or deductible.

If you live in California, Colorado, Georgia, Maryland, Oregon, Virginia, Washington or Washington, D.C., you may also have access to Kaiser Permanente medical plans, which also offer four plan coverage options.

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Need help deciding?

Connect with your Accolade Health Assistant for personal guidance on finding the best options for your family’s specific needs. You can also use the Provider Tool on Benefits In-Site to research which doctors and hospitals participate in each of the networks.

Learn About Accolade

Visit Benefits In-Site

Basic Plan

  • Preventive care is covered 100%.
  • The in-network deductible is $2,250 for individual coverage and $4,500 for family coverage.
  • You pay $30 for in-network primary care physician visits and $50 for in-network specialist visits (with no deductible) until you’ve met your in-network out-of-pocket maximum of $6,000 for individual coverage or $12,000 for family coverage.
  • For most other services, you’ll pay 30% coinsurance after you meet the deductible.
  • For more information, refer to the summary of benefits for this plan.

HDHP with HSA

  • Preventive care is covered 100%.
  • The in-network deductible is $1,800 for individual coverage and $3,600 for family coverage. The entire family deductible must be met before your insurance will pay benefits for any covered family member. There is no “individual deductible” in this coverage option when you have family coverage.
  • For in-network doctor visits, you pay 20% after you’ve met the deductible, until you’ve met your in-network out-of-pocket maximum of $4,500 for individual coverage or $9,000 for family coverage.
  • When you enroll in this plan, you’re eligible for a Health Savings Account (HSA) that lets you set aside pretax dollars to pay for eligible medical expenses.
  • For more information, refer to the summary of benefits for this plan.

Premium Plan

  • Preventive care is covered 100%.
  • The in-network deductible $600 for individual coverage and $1,200 for family coverage.
  • You pay $20 for in-network primary care physician visits and $35 for in-network specialist visits (with no deductible) until you’ve met your in-network (with no deductible) until you’ve met your in-network out-of-pocket maximum of $3,000 for individual coverage or $6,000 for family coverage.
  • For most other services, you’ll pay 10% coinsurance after you meet the deductible.
  • For more information, refer to the summary of benefits for this plan.

Kaiser Permanente

  • This plan is only available to employees in California, Colorado, Georgia, Maryland, Oregon, Virginia, Washington and Washington, D.C.
  • You can select from four coverage options.
  • You can only use in-network providers (except for emergencies), including Kaiser pharmacies and facilities.
  • For more information, refer to the summary of benefits on Benefits In-Site.

Transparency in Coverage

In response to the federal Transparency in Coverage Rule, UMR and Meritain Health have created machine readable files that include negotiated service rates and out-of-network allowed amounts between the health plans and healthcare providers.

View UMR's files

View Meritain's files

More About the Annual Deductible

The deductible is what you pay out of pocket before your insurance starts paying its share of your costs. It doesn’t include amounts taken out of your paycheck for health coverage. Here’s how the deductible works if you have family coverage:

The HDHP with HSA coverage option

This option has a "true family deductible." This means that the entire family deductible must be met before your insurance will pay benefits for any covered family member. There is no “individual deductible” in this coverage option when you have family coverage.

The Basic and Premium Plan coverage options

These options have a traditional deductible. This means that once a covered family member meets the individual deductible, your insurance will begin paying benefits for that family member. Charges for all covered family members will continue to count toward the family deductible. Once the family deductible is met, your insurance will pay benefits for all covered family members.

Annual Deductible

 Basic PlanHDHP with HSAPremium Plan
In-network
(individual/ family)
$2,250/
$4,500
$1,800/
$3,600
$600/
$1,200
Out-of-network
(individual/ family)
$4,500/
$9,000
$1,800/
$3,600
$1,200/
$2,400

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More About the Out-of-Pocket Maximum

The out-of-pocket maximum is the most you and your covered family members would have to pay in a year for health care costs.

All options have a traditional out-of-pocket maximum.

Once a covered family member meets the individual out-of-pocket maximum, your insurance will pay the full cost of covered charges for that family member. Charges for all covered family members will continue to count toward the family out-of-pocket maximum. Once the family out-of-pocket maximum is met, your insurance will pay the full cost of covered charges for all covered family members.

Out-of-Pocket Maximum

 Basic PlanHDHP with HSAPremium Plan
In-network
(individual/ family)
$6,000/
$12,000
$4,500/
$9,000
$3,000/
$6,000
Out-of-network
(individual/ family)
$12,000/
$24,000
$9,000/
$18,000
$6,000/
$12,000

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It Pays to Stay In-Network

If you choose an out-of-network provider, you pay more in three ways:

  1. You must meet the higher out-of-network deductible before the plan pays benefits.
  2. You pay a higher out-of-network coinsurance amount.
  3. You pay 100% of the out-of-network provider’s charges that exceed the insurer’s maximum allowed amount.

Medical Plans at a Glance (In-Network)

Here’s a high-level listing of commonly covered medical benefits. For more information, refer to the summary of benefits for these plans.

 Basic PlanHDHP with HSAPremium Plan
Flexible Spending Account or Health Savings Account?Flexible Spending Account (FSA)Health Savings Account (HSA)Flexible Spending Account (FSA)
2024 FSA/HSA Contribution LimitsYou can contribute up to $3,200Employee only: $4,150
Family: $8,300
55 or older: an additional $1,000
CSL will contribute:
Employee only: $500
Family: $1,000
You can contribute up to $3,200
Annual DeductibleEmployee only: $2,250
Family: $4,500
Employee only: $1,800
Family: $3,600
Employee only: $600
Family: $1,200
Annual Out-of-Pocket MaximumEmployee only: $6,000
Family: $12,000
Employee only: $4,500
Family: $9,000
Employee only: $3,000
Family: $6,000
Preventive CareCovered 100%, no deductibleCovered 100%, no deductibleCovered 100%, no deductible
Doctor’s Office VisitYou pay $30 for primary care physician (PCP) visit; no deductible
You pay $50 for specialist visit; no deductible
You pay 20% after deductibleYou pay $20 for PCP visit; no deductible
You pay $35 for specialist visit; no deductible
Emergency RoomYou pay $150, then 30% after deductibleYou pay 20% after deductibleYou pay 10% after deductible
Urgent Care$50 copayYou pay 20% after deductible$40 copay
Inpatient CareYou pay 30% after deductibleYou pay 20% after deductibleYou pay 10% after deductible
Diagnostic Care
(X-rays, labs, etc.)
You pay 30% after deductibleYou pay 20% after deductibleYou pay 10% after deductible
Outpatient Care
(physical therapy, behavioral health, etc.)
If not an office visit, you pay 30% after deductibleYou pay 20% after deductibleIf not an office visit, you pay 10% after deductible

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Tobacco Surcharge

If you’ve used tobacco or tobacco products, including cigarettes, pipes, cigars, chewing tobacco, snuff and e-cigarettes, or any type of smoking or smokeless tobacco in the previous three months, you’ll pay a $50 monthly surcharge in addition to your medical plan premium.

You can qualify to have the surcharge removed by completing a tobacco-cessation program. Please call the CSL Behring Benefit Center at 844-888-BNFT for details about available programs to help you quit tobacco usage.

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Get Rewarded for Good Health

With the Virgin Pulse Wellbeing Program, you can earn up to $400 per year to pursue your wellbeing goals in ways that are most meaningful to you.

Learn more