Motorola
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Overview

2024 medical plans

Motorola Solutions offers you a choice of medical plans with best-in-class carriers, so you have the flexibility to select the option that’s best for you.

$500 Deductible Plan for Employees Earning Less than $60,000

Everyone deserves quality health insurance – regardless of income. We are committed to providing high quality healthcare to all employees. That is why we offer a $500 Deductible Plan to employees who make $60,000 or less a year. This plan offers a lower deductible and lower contributions than our other Preferred Provider Organization (PPO) Plan, the $900 Deductible Plan, making coverage more affordable. Click here to learn more about the $500 Deductible Plan.

Plan Description
$3,200 Deductible Plan
$1,850 Deductible Plan

Administered by your choice of BlueCross BlueShield, Cigna or Kaiser (where available). 		High Deductible Health Plans (HDHPs) that pair low premium, high deductible coverage with a tax-free Health Savings Account (HSA) that you own for life.
$900 Deductible Plan

 Administered by your choice of BlueCross Blue Shield, Cigna or Kaiser (where available).		 A Preferred Provider Organization (PPO) plan that reduces your out-of-pocket costs when you need care by offering a lower deductible and higher premiums.
Compare the plans

Additional Network Options for Utah Residents

If you live in Utah, you may have two additional network options, depending on your zip code of residence – the BlueCross BlueShield Preferred Blue network and the Cigna PPO network. To check to see if a provider is in-network, please visit the BlueCross BlueShield or Cigna websites.

Key providers in the additional networks are shown below.

  • For BlueCross BlueShield: Intermountain Hospitals, Intermountain Medical Group, Instacare and Kids Care
  • For Cigna: Intermountain Healthcare, University of Utah, Huntsman, Steward Health Care, Ogden Clinic, Tanner Clinic, MountainStar Healthcare

 

Key features

All three medical plans offer:

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Comprehensive, affordable coverage

for a wide range of health care services. Tip: If you need extra protection from large or unexpected medical expenses, consider enrolling in additional supplemental medical coverage.

Broad network coverage

that in most cases includes your current provider and preferred health care facilities.

Free in-network preventive care,

such as annual physicals, recommended immunizations, and routine cancer screenings. See more covered preventive services.

Prescription drug coverage

included with each medical plan. Prescription benefits are provided by Express Scripts (ESI) for BCBS and Cigna medical plans and by Kaiser Pharmacy for the Kaiser medical plans.

Financial protection

through annual out-of-pocket maximums that limit the amount you’ll pay each year.

 

Plan Comparison

Below are the in‐network coverage details for your Motorola Solutions medical coverage. For more information, including your premium costs and out-of-network coverage details, visit Mercer Marketplace 365+.


 $3,200 Deductible Plan with HSA
 $1,850 Deductible Plan with HSA
 $900 Deductible Plan
HSA-eligible Yes Yes No
True family* No Yes No
Preventive care Covered at 100% in-network, so you pay nothing
Deductible (In-/Out-of-Network)
  • Single
  • Family
    • $3,200/$6,400
    • $6,400/​$12,800
    • $1,850/$3,700
    • $3,700/$7,400
    • $900/$3,000
    • $1,800/$6,000
    Out-of-Pocket Maximum (In-/Out-of-network)
    • Single
    • Family
      • $6,550/$13,100
      • $13,100/$26,200
      • $3,500/$7,000
      • $6,500/$13,000
      • $4,800/$9,600
      • $9,600/$19,200
      Coinsurance You pay 30%, plan pays 70% You pay 20%, plan pays 80% You pay 20%, plan pays 80%
      Office visit (primary care/specialist) You pay 30% after deductible You pay 20% after deductible You pay 20% after deductible
      Emergency room visit You pay 30% after deductible You pay 20% after deductible You pay 20% after deductible
      Prescriptions (In-network)
      Retail – 30-day supply
      • Generic
      • Formulary
      • Nonformulary
      		 30% after deductible (deductible waived for Preventive Maintenance) 20% after deductible (deductible waived for Preventive Maintenance)
      • 30% (min. $10/max. $20)
      • 30% (min. $25/max. $50)
      • 45% (min. $40/max. $80)
      Mail order – 90-day supply
      • Generic
      • Formulary
      • Nonformulary
      		 You pay 30% after deductible (deductible waived for Preventive Maintenance) You pay 20% after deductible (deductible waived for Preventive Maintenance)
      • 30% (min. $25/max. $50)
      • 30% (min. $62.50/max. $125)
      • 45% (min. $100/max. $200)

      * See Know the term: true family below for details.

      Note: Prescription costs apply to both the deductible and out-of-pocket maximum for the $3,000 and $1,850 Deductible plans. For the $900 Deductible plan, prescription costs apply only to the out-of-pocket maximum. For complete information, including your premium costs and out-of-network coverage details, visit Mercer Marketplace 365+.

      Hawaii and Guam offer different carriers and plans

      Employees in Hawaii have HMSA as their carrier. HMSA offers different plan designs than those listed above. Please refer to the Summary of Benefits and Coverage (SBC) for details on this plan. Employees in Hawaii, Guam and all other areas will also be able to see their location-specific plan designs, including premium costs and out-of-network coverage details, when enrolling.

      Know the term: true family

      The $1,850 Deductible Plan has a true family deductible and out-of-pocket maximum when you elect BCBS or Cigna as your carrier. This means:

      • The entire family deductible must be met before benefits begin for any one individual family member. There is no “individual deductible” when you have family coverage.
      • The entire family out-of-pocket maximum must be met before the plan will pay the full cost of covered services for any one individual family member. There is no “individual out-of-pocket maximum” when you have family coverage.
      • With a true family deductible, just one individual family member could potentially pay all of the deductible before the plan begins to pay benefits.

      Find providers on Mercer Marketplace 365+ website

      Your medical plan options reflect enhanced negotiated rates, but discounts may vary depending on the carrier you select. It’s important for you to weigh your options between cost and provider availability to determine the best option for you. You can use the Provider Lookup tool on Mercer Marketplace 365+ to easily find in-network doctors, or see whether your current providers participate in the available carrier networks. Follow these steps:

      • Follow the enrollment prompts until you get to the Choose your Medical plan page.
      • Click on Find a Doctor or Hospital on the left side of the page. This launches the Provider Lookup tool.
      • Enter your ZIP code.
      • Enter your search criteria to find the type of provider you're looking for.
      • You can narrow your results by choosing a specific distance, network, specialty, language, hospital affiliation, group affiliation, city, county, or gender. You can also choose to show only providers who are accepting new patients.
       

      $3,200 and $1,850 Deductible Plans with HSA

      How the $3,200 and $1,850 Deductible Plans work

      • You receive in-network preventive care at no cost. This includes annual physicals, immunizations, and recommended screenings.
      • You pay for your initial medical and prescription costs until you meet your annual deductible. Remember, you can contribute to your HSA on a before-tax basis to help pay for your out-of-pocket costs.
      • Once the deductible is met, you’ll pay a percentage of your covered medical expenses through coinsurance.
      • If your share of medical expenses reaches the out-of-pocket maximum, then the plan pays 100% of your eligible expenses for the rest of the year.
      • Keep in mind: The $1,850 Deductible Plan has a true family deductible and out-of-pocket maximum when you elect BCBS or Cigna as your carrier. This means:
        • The entire family deductible must be met before benefits begin for any one individual family member. There is no “individual deductible” when you have family coverage.
        • The entire family out-of-pocket maximum must be met before the plan will pay the full cost of covered services for any one individual family member. There is no individual out-of-pocket maximum when you have family coverage.
        • With a true family deductible, just one individual family member could potentially pay all of the deductible before the plan begins to pay benefits.

      Keep in mind: You pay nothing for in-network preventive care – it’s covered in full.

      * With the $1,850 Deductible Plan, coinsurance for any person covered under a family plan begins only after the entire family deductible has been met.

       

      $900 Deductible Plan

      How the $900 Deductible Plan works

      • You receive in-network preventive care at no cost. This includes annual physicals, immunizations, and recommended screenings.
      • You pay for your initial medical costs until you meet your annual deductible.
      • You pay a percentage of all your prescription costs; the deductible does not apply.
      • Once the deductible is met, you’ll pay a percentage of your covered medical expenses through coinsurance.
      • If your share of expenses reaches the out-of-pocket maximum, then the plan pays 100% of your eligible expenses for the rest of the year.

      Use your $900 Deductible Plan wisely

      Here are ways to make the most of your plan all year long.

      • Track your stats. Log in to your carrier’s website to see how much of your deductible you’ve met, review claims, and more.
      • Pair it with a Health Care FSA. If you enroll in the Health Care FSA when enrolling in the $900 Deductible Plan, you can set aside before-tax dollars to help pay for your out-of-pocket costs.
      • Be cost-conscious. Visit your carrier’s website to search for in-network providers and use the tools to compare costs for medical services.
       

      365+ HUB

      If you enroll in a Motorola Solutions medical plan, you may also choose to enroll in the Mercer Marketplace 365+ HUBSM, a voluntary benefit that provides one-on-one support — online and by phone — to help you improve the quality and cost of your care. By enrolling in the 365+ HUB, you will have year-round access to personal health advocacy services, price comparison tools, physician performance ratings, expert medical opinions, and more.

      365+ HUB can help you:

      • Find an advocate
      • Compare prices
      • Compare quality
      • Get expert medical opinions

      To learn more, read the Mercer Marketplace 365+ HUB brochure.

       

      Physical Therapy and Surgical Care

      The following programs are available to Blue Cross Blue Shield and Cigna members:

      • Sword: Start your journey to living pain free at home with Sword, a digital physical therapy program for back, joint and muscle pain that you can do from the comfort of your home, or anywhere. Sword is available to eligible members as part of your health plan benefits. Sword also includes Bloom, a digital pelvic therapy solution for women in all stages of life including pregnancy, postpartum, and menopause. Learn more.
      • Carrum Health: For orthopedic surgery, Carrum Health makes it easier and less expensive to get the best possible care. Carrum Health works with surgeons considered the top in their field, based on the best outcomes and bedside manner. You can rest assured you'll be in the best of hands. Covered procedures include knee, hip, shoulder, and spine surgeries and more. Learn more.
       

      Prescription Drugs

      When you enroll in a Motorola Solutions medical plan through Cigna or BCBS, you will automatically receive prescription drug coverage through Express Scripts (ESI). Kaiser Pharmacy administers these benefits for members of Kaiser’s plans.

      Drug tiers

      The cost of your prescription drugs under each medical plan depends on the tier of the medication:

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      Generic

      Generic drugs contain the same active ingredients as their brand-name equivalents and meet the same federal standards for safety, but typically cost significantly less.

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      Formulary

      Formulary drugs are brand-name medications that are favored by a prescription plan based on drug effectiveness and cost.

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      Nonformulary

      Nonformulary drugs are brand-name medications that are not on a prescription plan's formulary based on drug effectiveness and cost. They may be covered, require prior authorization and cost more out-of-pocket.

      Save time and money

      The cost of prescription drugs is rising faster than many other health care services and supplies. But, there are ways for you to save:

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      Ask your doctor about generic medications.

      Generic medications are generally just as effective as brand-name medications, but they typically cost between 30% and 75% less.

      Fill prescriptions in three-month supplies.

      Through ESI, members may receive a three-month supply of eligible prescriptions at any in-network retail pharmacy.

      Use the mail order feature.

      For ongoing maintenance medications, the mail order prescription program through Express Scripts (ESI) provides added convenience and cost savings.

      Mail order

      If you regularly take medication to treat a chronic condition — such as an allergy, heart disease, high blood pressure, or diabetes — you can take advantage of the mail order program.

      Why use mail order?

      • Prescriptions are shipped free — no waiting in line at the pharmacy.
      • You save money with a reduced cost for a three-month supply.
      • You can set up automatic refills.
       

      Tools & Resources

      Take advantage of these valuable resources to better manage your health and financial well-being.

      Healthcare Provider Lookup – See if your providers are in-network before you choose a carrier.

      Medical Plan Tools – Once you are enrolled, use the appropriate link below to log in and find a doctor, compare costs, manage claims and more.

      Prescription tools – Order or refill prescriptions, sign up for mail order, and more.

      HSA/FSA tools – Manage your Health Savings Account or Health Care Flexible Spending Account online.

      • TRI-AD – explore your HSA, FSAs and commuter spending accounts

      Summary plan descriptions – Find all the details of your medical plan coverage.

      2024 Summaries of Benefits and Coverage (SBCs)

      Telemedicine – Seek medical advice from board-certified physicians who are available 24/7, 365 days a year to consult with you over the phone or through live video right from your mobile device or computer. These physicians can provide fast, convenient diagnosis and treatment for many common conditions. If you enroll in the BCBS or Cigna medical plan, you will receive this service through your carrier.

      Transparency in Coverage

      The Transparency in Coverage Final Rules require certain group health plans to disclose on a public website information regarding in-network provider rates and historical out-of-network allowed amounts and billed charges for covered items and services in two separate machine-readable files (MRFs). The MRFs for the benefit package options under the Motorola Solutions Health and Welfare Plan are linked below: