Medical Plans Overview

Medical coverage is a must

You can get medical coverage through Salesforce, your spouse’s or domestic partner’s employer, or another source. But being covered is required under the health care reform law, so check out your options to find the best plan and price for you and your family.

Your choice will be with you for a full year, so it’s important to review all the information and choose carefully. Note: The benefits you select as a new hire or during Open Enrollment are effective through the end of the calendar year. Your only other opportunity to make changes to your benefits is when you have a qualifying life event.

Most Salesforce employees can choose from four medical plans—all provided through either Aetna or UnitedHealthcare (UHC). (If you live in California or Oregon, you have a fifth option through Kaiser.) Aetna and UHC are among the nation’s largest health insurance companies, so you’ll likely find your providers in their networks. All plans also provide prescription drug coverage.

When you’d rather skip the doctor’s office, Aetna, Kaiser, and UHC also provide virtual visits. With this service, you can see a board-certified doctor anytime, anywhere—no wait, no appointment needed. Physicians are available 24/7 through your mobile device or computer to help you with minor health issues such as cold and flu, allergies, and common infections. Call your health plan or log on to your plan’s website to access virtual visits. (Registration is required before using the service.)

Finally, we can all use a personal assistant from time to time, especially as we’re trying to navigate the often-challenging world of health care. That’s where your Personal Health Advocate (PHA) through our Health Advocacy Program comes in. Your PHA can help you resolve a wide range of health care and insurance-related issues, and even serve as an intermediary between you and your health care providers and insurance companies.

EPO
PPO
HDHP Premium plan
HDHP Standard plan
Finding a provider
Health care benefits for our transgender employees
Kaiser California and Oregon
Compare plans and check costs
Expert second opinion
Travel medical coverage
Health Advocacy Program

 

 

EPO

This plan restricts your choice of doctors and hospitals, but covers most services 100%.

PPO

With this plan, you choose any physician or hospital for care, but pay less when you receive care from an in-network provider. With the PPO, you pay more in paycheck contributions, and pay copays or coinsurance after meeting the deductible. In-network preventive care is covered 100%.

HDHP Premium plan

This is a traditional PPO plan with a high deductible and a Health Savings Account (HSA) that you can use to save and pay for qualified health care expenses now or in the future. When you enroll in this plan, Salesforce contributes to your HSA to jumpstart your savings. You pay the full cost of care until you reach the deductible, then coinsurance. In-network preventive care is covered 100%. 

Find even more details—especially about the HSA and how it works to save you money—on the HDHP Premium and Standard Plans page.

HDHP Standard plan

This is a traditional PPO plan with a high deductible and a Health Savings Account (HSA) that you can use to save and pay for qualified health care expenses now or in the future. This is the only premium-free, employee-only medical plan, with a significantly lower premium for any dependent level coverage. You pay the full cost of care until you reach the deductible, then coinsurance. In-network preventive care is covered 100%.

Finding a provider

Aetna

Follow these steps to see if your doctor is in-network:

  1. Go to Aetna.
  2. Click “Find a Doctor.”
  3. Follow the instructions to find a provider near you.
  4. To locate an Aetna EPO provider: Under Aetna Standard Plans, select Aetna Select (SM). To locate a PPO or HDHP provider: Under Aetna Open Access Plans, select Aetna Choice POS II.

UHC

Follow these steps to see if your doctor is in-network:

  1. Go to UHC.
  2. Click “Find a Doctor.”
  3. Follow the instructions to find a provider near you.
  4. Select UHC Choice Network if you’re in the UHC EPO or Harvard Pilgrim Choice Network (if you live in MA, ME, or NH). Select UHC Choice Plus Network if you’re in the UHC PPO, UHC HDHP Standard plan, UHC HDHP Premium plan, Harvard Pilgrim Choice Plus Network (if you live in MA, ME, or NH), or Options PPO Network (if you live in Utah).

Remember, Aetna, Kaiser, and UHC members also may use virtual visits 24/7 to access doctors’ help with minor health issues. Learn more and register on your health plan’s website.

Health care benefits for our transgender employees

As part of our culture of Equality, we work to ensure our benefits are inclusive of our transgender employees. We offer medical plan coverage that includes benefits for:

  • Prescription drugs and mental health services to prepare for gender reassignment surgery.
  • Medically necessary surgical procedures, facility and anesthesia fees.
  • Specialized surgical procedures and body masculinization/feminization surgical procedures recognized as medically necessary.
  • Non-surgical treatment of transsexualism (e.g., hormones and psych therapy) for adolescents under age 18.

Visit Concierge for more information about transgender benefits.

Kaiser California and Oregon

These plans are available only to California and Oregon residents. You must use Kaiser physicians and facilities if you choose either of these plans.

Compare plans and check costs

Expert second opinion

Whether you or your extended family need information about a new diagnosis or treatment, a second opinion from a world-leading expert, or support deciding if surgery is right for you, Grand Rounds can help with it all.

Grand Rounds is with you when:

  • You need an expert. They will get you a second opinion or personalized care plan from a world-leading expert.
  • You need a hand. They will gather your medical records, and handle all the details.
  • You need support. They will help you make tough decisions or help you decide if surgery is right for you.
  • You need answers. They will provide expert advice about a new diagnosis or existing condition.

Check out Grand Rounds' success stories and Expert Second Opinions With Grand Rounds. Visit grandrounds.com/ohana or call 1-800-233-6485 to get started. 

Travel medical coverage  

Salesforce also provides travel medical coverage through Cigna Medical Abroad and Chubb to help you cover medical expenses while you’re on the road. Learn more about Travel Assistance.

Health Advocacy Program

Through the Health Advocacy Program you’ll be assigned a Personal Health Advocate (PHA), who can help you:

  • Find qualified health care providers.
  • Make medical appointments, and arrange for special treatments and tests.
  • Negotiate medical claim and billing issues.
  • Find eldercare services.
  • Obtain approvals from your insurance plan.
  • Answer questions about medical conditions, tests, treatments, and medications.
  • Transfer medical records.
  • Connect with other providers to get second opinions.

The program is free to all benefits-eligible employees and their family members—including parents and parents-in-law.

Call the toll-free number 1-866-695-8622 Monday–Friday, 5 a.m. to 6 p.m. PT for confidential assistance, or visit the Health Advocate website. You can also download the free Health Advocate Smart Help app, or email your questions to answers@healthadvocate.com.