HEALTHCARE
Medical comparison
Once you review your benefit options, it’s easy to enroll on Workday.
See how the 2027 medical plan options compare to help you choose the plan that’s right for you and your family. For additional details, review the 2027 Medical Plan Comparison.
| Basic HDHP | Core HDHP | Premier PPO | |
| Health Savings Account | May be eligible to set up an HSA
M&T may make a contribution if your frozen earnings are below $100,000 |
May be eligible to set up an HSA M&T may make a contribution if your frozen earnings are below $100,000 |
Not available |
| Spending Account | Eligible for a Limited Purpose FSA | Eligible for a Limited Purpose FSA | Eligible for a Medical Reimbursement Account |
| What You Pay (In-network) | |||
| Annual Deductible* Amount you pay for covered healthcare services before the plan pays. |
Individual: $4,000 Family: $8,000 (includes medical and prescription drugs) |
Individual: $2,000 Family: $4,000 (includes medical and prescription drugs) |
Individual: $2,000 Family: $4,000 Deductible does not apply to copay services or prescription drugs |
| Annual Out-of-Pocket Maximum* Includes deductible, copays and coinsurance for medical and prescription drugs. |
Individual: $8,000 Family: $16,000 |
Individual: $4,000 Family: $8,000 |
Individual: $4,000 Family: $8,000 |
| Coinsurance Percentage you pay for covered services after you meet your deductible. The plan pays the rest. |
30% | 20% | |
| Prescription Drugs | Provided through CVS Caremark. Go to prescription drugs for details. | ||
| What you pay in-network after the deductible, except as noted. | |||
| Preventive Care | 0%, no deductible | 0%, no deductible | 0%, no deductible |
| Hospital Room & Board | 30% | 20% | 20% |
| Emergency Room | 30% | 20% | $350 copay |
| Urgent Care | 30% | 20% | $85 copay |
| Primary Care Visit | 30% | 20% | Preferred providers: $30 copay In-network providers: |
| Specialist Visit | 30% | 20% | Preferred providers: $50 copay In-network providers: |
*Copays do not count toward the deductible but do count toward the medical out-of-pocket maximum.
Note: Employees enrolled in the Basic HDHP who earn less than $100,000 annually receive the Accident Plan and Critical Illness Plan at no cost.
Confirm your providers
Use Aetna DocFind to verify that your providers are in your plan's network. If you are considering the Premier PPO, look for preferred providers with the Quality & Effective Care badge in the Aetna Choice® POS II (Open Access) network to help lower your out-of-pocket costs.
Review 2027 medical premiums
Your medical premiums will change for 2027 based on the plan you choose and who you cover. Review the healthcare premiums.