Medical, Dental and Vision

Head, shoulders, knees and toes (and mouth and eyes).

Medical, dental, and vision coverage are available for Indeed employees and their families, including spouses, children, and domestic partners. Preventive care is 100% covered at in-network providers:

  • One annual check-up
  • Age & gender-specific preventive exams
  • Preventive dental exams
  • Certain prescriptions
  • Flu Shots
  • Children’s Immunizations
Medical Plan Options Offered to All U.S. Employees

Indeed offers two Aetna medical plans. Contributions listed are deducted out of each paycheck, which occurs twice a month.

Low Deductible Option

Deductible (Employee/Employee +):
$250 / $500
Paycheck Contribution:
Employee: $59.39
Employee & Spouse/Domestic Partner: $127.75
Employee & Child(ren): $123.66
Family: $170.02 
Copays:
PCP/Specialist $25, ER $100, Urgent Care $40
In-Network Coinsurance:
10% after deductible for hospital in/outpatient care
In-Network Out of Pocket Maximum (Employee/Employee +):
$750 / $1,500
Out of Network Out of Pocket Maximum (Employee/Employee +):
$3,500 / $7,000
Rx Copays (CVS/Caremark):
Up to: $10 generic / $30 preferred brand / $50 non-preferred brand
Access to: Healthcare Flexible Spending Account (FSA), Dependent Care FSA

High Deductible Option

Deductible (Employee/Employee +):
$2,000 / $4,000
Paycheck Contribution:
Employee: $23.00
Employee & Spouse/Domestic Partner: $49.44
Employee & Child(ren): $47.83
Family: $65.76
No Copays:
Aetna covers 100% after the deductible (in-network)
No Coinsurance:
Aetna covers 100% after the deductible (in-network)
In-Network Out of Pocket Maximum (Employee/Employee +):
$2,000 / $4,000
Out of Network Out of Pocket Maximum (Employee/Employee +):
$5,000 / $10,000
Rx Copays (CVS/Caremark):
Out of pocket until deductible is met; 100% covered after deductible
Access to: Health Savings Account (HSA), Dependent Care FSA, Limited Healthcare FSA

Additional Plan Options Offered to California and Washington Residents

For employees based in California and Washington, you will have two additional medical plan options from Kaiser to choose from.

HMO Option

Deductible (Employee/Employee +):
$0 / $0
Paycheck Contributions: $59.39 / $170.02
Copays:
PCP/Specialist $20/$30, ER $150, Urgent Care $20
Inpatient/Outpatient Care:
$500 admission / $20 copay
In-Network Out of Pocket Maximum (Employee/Employee +):
$2,000 / $4,000
Rx Copays:
Up to: $15 generic / $30 preferred brand / $60 non-preferred brand (not available in California)
Access to:
Healthcare Flexible Spending Account (FSA), Dependent Care FSA

High Deductible Option

Deductible (Employee/Employee +):
$2,000 / $4,000 ($2,800 per any one member in family)
Paycheck Contributions:
$23.00 / $65.76
Copays:
PCP/Specialist 20% after deductible,
ER 20% after deductible,
Urgent Care 20% after deductible,
In-Network Out of Pocket Maximum (Employee/Employee +): $4,000 / $6,850
Rx Copays (after deductible): Up to: $10 generic / 30% up to $75 preferred brand / 40% up to $100 non-preferred brand (not covered in California)
Access to: Health Savings Account (HSA), Dependent Care FSA, Limited Healthcare FSA

Spending and Savings Accounts

Indeedians have access to two types of healthcare accounts: Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA). With the Low Deductible Option, you can set pre-tax deductions aside for medical equipment, co-pays, prescriptions and more with an FSA. This money is “use it or lose it,” so if you don’t spend it all, you forfeit any unused funds. You can also elect to make contributions to a Dependent Care FSA. This type of plan is separate from a Healthcare FSA and is specifically for use towards expenses like daycare, in home child care, summer camps, and after school programs. Dependent Care FSAs are also “use it or lose it.

The High Deductible Option gives you access to an HSA. Through an HSA, you can elect to set aside pre-tax contributions to help pay for medical equipment, prescriptions, doctor’s fees, hospital visits, and more. Any unused money in your HSA rolls over from year to year and is yours to keep – even if you leave the company. The money in your HSA can be used to pay for medical expenses associated with your medical plan, saved for later use, or invested (minimum balance must be maintained).  Indeed will contribute to your HSA if you elect the High Deductible Option:

  • $20.83 per paycheck for single employees
  • $41.67 per paycheck for employees with dependents

The 2020 IRS limits for HSA contributions are $3,550 for single employees and $7,100 for employees with dependents. If you are 55 or older, you can make an additional $1,000 per year “catch-up” contribution. Please keep in mind that any Indeed employer contributions will offset your annual contribution limit. Have an existing HSA account?  You can roll your existing HSA funds into your Indeed HSA account.

Which option is right for me?

The million-dollar question (slight overestimation).

The right plan for you depends on your needs and how you’d like to pay for your insurance. You’ll have 30 calendar days after your first day to make a decision and elect your medical benefits. Now we’ll look at two examples to help you get a better idea of your choice.

Max’s Choice

Meet Max. He loves working at Indeed. (He’s a fictional character, so please don’t ask to meet him on your first day.) Max likes exploring the outdoors, riding his bike and trying new things. He doesn’t like unexpected payments and doesn’t mind paying a little more up front for conveniences later on. Max chooses the Low Deductible Option. He can rest assured that each appointment will cost $25 (for a primary care physician or specialist), $40 (for urgent care) or $100 (at the emergency room). If he doesn’t go to the doctor much, he may end up paying more than if he chooses the High Deductible Option. But Max knows he’s not the steadiest bike rider so he doesn’t mind paying a little more up front for added peace of mind if he ends up at the doctor’s office.

Diana’s Choice

Meet Diana. Diana also loves working at Indeed. Fun fact: she collects coffee mugs. Diana has always been good about saving up for rainy days and likes managing her money. She prefers getting as much money as she can out of every paycheck and figuring out for herself how to put it to work. Diana chooses the High Deductible Option. With the High Deductible Option, she pays a lower contribution per paycheck and gets coverage from the same network of doctors and healthcare providers. If she doesn’t go to the doctor often, she can even save money over the course of a year because of her low contribution and save towards her company funded HSA. But if Diana does need to go to the doctor, she will have to pay out of pocket at a discounted rate determined by the insurance company.

Vision and Dental

Indeedians can choose between two vision plans and two dental plans. Contributions listed here are deducted out of each paycheck, which occurs twice a month.

Vision Core Vision Plan: Paycheck Contribution (Employee/Employee +): Employee: $0.70 Employee + Spouse/Domestic Partner: $1.11 Employee Plus Child(ren): $1.13 Family: $1.83 $20 copay for annual exam $20 copay for annual prescription lenses $130 allowance for materials for frame (every other year) or contacts 20% off after allowance

Enhanced Vision Plan: Paycheck Contribution (Employee/Employee +):  Employee: $1.37 Employee + Spouse/Domestic Partner: $2.19 Employee Plus Child(ren): $2.23 Family: $3.60 This plan offers the same benefits as the core vision plan with one big exception – you get access to the VSP Easy Option that allows you to select the enhanced plan feature that best meets your needs. 

Dental Core Dental Plan: Paycheck Contribution (Employee/Employee +): Employee: $3.95 Employee + Spouse/Domestic Partner: $7.89 Employee Plus Child(ren): $9.68 Family: $14.27 Deductible: $50/$150* Preventative: 100% Basic: 80% Major: 50% Maximum Per Year: $1,500 per person per calendar year Orthodontia: 50% to Lifetime Maximum of $1,500 (Adult orthodontia is not covered.) *waived for Preventative & Diagnostic

Enhanced Dental Plan:  Paycheck Contribution (Employee/Employee +): Employee: $8.17 Employee + Spouse/Domestic Partner: $16.56 Employee Plus Child(ren): $20.50 Family: $29.33 Deductible: $0 Preventative: 100% Basic: 90% Major: 50% Maximum Per Year: $3,000 per person per calendar year Orthodontia: 50% to Lifetime Maximum of $3,000 (Adult orthodontia is covered!)

Benefits Effective Dates

We’ve got you covered! Benefits are effective on your first day at Indeed.

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