Overview

Medical coverage offers valuable benefits to help you stay healthy and pay for care if you or your covered family members become sick or injured. Rollins offers a selection of medical plans designed to let you choose the coverage you need — at a cost that’s right for your budget.

If you are newly eligible for benefits, carefully review the plans available to you so you select the plan that is right for you and your family. The plan with the lowest premiums per pay period might not be the best fit for you and your family. If you live in Hawaii, your medical plan options will be available on the enrollment site. Use ALEX, an online medical plan decision tool, for help in selecting a plan. For more information, you can access plan documents on the Forms and Plan Summaries page.

Your medical plan options

Rollins offers five medical plan options — two traditional PPO plans and three higher deductible plans that include a Health Savings Account (HSA).

  • $900 Deductible Plan
  • $1,500 Deductible Plan
  • $2,850 Deductible Plan with HSA
  • $4,500 Deductible Plan with HSA
  • $6,550 Deductible Plan with HSA

How the plans are the same

In all of the plans, in-network preventive care is covered at 100%.

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Deductible

For non-preventive care, you pay 100% of cost for medical care until you meet the medical plan deductible.

coinsurance

Coinsurance

There are no copays in these medical plans. After you meet the deductible, you and Rollins share in the cost of care (coinsurance)* - up to the out-of-pocket maximum.

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Out-of-Pocket Maximum

After you reach the out-of-pocket maximum, Rollins pays 100% of your eligible expenses for the rest of the year.


*In the $6,550 Deductible Plan, Rollins pays all of the coinsurance (100%) after you meet the deductible.

Important! There are no copays in these medical plans.

How the plans are different

Below are some key differences among the plans.

  • Premiums per pay period. They are higher in the PPO Plans and lower in the HSA Plans.
  • Different tax-free accounts you can contribute to. When you enroll in either the $900 Deductible or $1,500 Deductible Plan, you can contribute to a Health Care Flexible Spending Account (FSA). If you enroll in the $2,850, $4,500 or $6,550 Deductible Plans, you can contribute to a Health Savings Account (HSA). Rollins will also contribute $250 to your HSA. That’s free money. If you are a new hire, you will receive the Company contribution - no questions asked! After that, you will be required to get a wellness preventive exam. Rollins requires that you get a free preventive exam each year (like an annual physical) or other wellness service, such as a mammogram or colonoscopy, to receive the company contribution.
  • How prescription drug coverage works. In the $900 Deductible and $1,500 Deductible Plans, you do not need to meet the deductible for prescription drug coverage. And, prescription drug costs do not count toward the medical plan deductible. In the HSA plans, you do need to meet the deductible for prescription drug coverage (except for preventive maintenance medications on the Optum HDHP Preventive Drug $0 Copay List, which are covered at 100% — excluding the Kaiser plans), and preventive prescription drug costs do count toward the medical plan deductible.

All medical plan participants receive medical and prescription ID cards.

WHAT WILL YOU PAY?

Your specific premiums per pay period will be displayed as you’re enrolling on the enrollment site. Or you can click to see what you'll pay now.

COMPARE THE MEDICAL PLANS
  • You can also use The Plan Shopping App to model scenarios based on the type of care you might need in the coming year.
  • The Plan Shopping App can be found at the top of the medical benefits page on the Mercer Marketplace 365 enrollment site. Look for the “Compare plans & customize your cost” tab which will link to the tool.