2026 Medical Plans
Personalized Benefit Plans
That Work for You
We each have individual needs and use healthcare in our own unique way. Siemens Healthineers provides you with medical plan options and coverage categories so you can enroll in the options that fit your life.
Your medical plan options include:
- Health Reimbursement Copay Advantage Plan
- Health Savings Medical Plan
- Kaiser Health Maintenance Organization (HMO)—available in California locations based on home zip code
Extra support for your enrollment
As a value-added benefit, if you are a new hire and need support with your enrollment, we recommend you schedule an appointment with an Alight Benefits Guidance counselor at
An Alight Benefits Guidance counselor can help you compare plan costs, recommend appropriate plans and benefits, answer your enrollment questions, and even help you enroll.
Know where and when to seek care
When you or a family member is hurt or suddenly becomes seriously ill, you want the best care. In a medical emergency, time can save lives. Serious illness or injury, such as a heart attack, leaves no question that you need emergency help as soon as possible. However, many people often use emergency rooms or urgent care centers for conditions that could be better treated in a doctor’s office.
| When to use hospital emergency rooms | When to use urgent care centers |
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A trip to the emergency room may be tempting, but it may not be the best choice. At the emergency room, true emergencies (as outlined below) are treated first. Other cases will wait (often for hours), and it will cost you more. If you’re experiencing any of the conditions below, you should seek emergency room care:
If a situation seems life-threatening, take action immediately. Call 911 or your local emergency number right away. Also notify your doctor and make sure to contact your medical plan administrator within 48 hours if you or a covered dependent is admitted for treatment. |
If you need care fast, but it is not an emergency, try an urgent care center, if one is available nearby. They can treat many minor ailments, you may not have to wait as long, and it will cost you less. Urgent care centers can help with:
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Tip: When possible, it’s often best to seek care at your doctor’s office. Your doctor will be aware of your medical history, which will enable him or her to determine the most appropriate treatment for you.
Connect virtually with a doctor 24/7
If you or a dependent is covered under the Health Reimbursement Copay Advantage Plan or Health Savings Medical Plan option, you can have a telemedicine visit with a physician, 24 hours a day/7 days a week—from your home, or wherever you may be – using a smartphone, tablet, or computer (with a webcam), you may connect virtually with a doctor. A telemedicine provider refers to a virtual doctor visit provided by third-party telemedicine providers. Check with your medical plan administrator or website for information on participating telemedicine providers. Members enrolled in Kaiser, Cigna International, or HMSA should check their member website for information on covered services.
Cost of visit
You’ll pay your office visit copay ($30 for PCP or $45 for Specialist) for an in-network virtual doctor visit if you’re enrolled in the Health Reimbursement Copay Advantage Plan or you’ll pay 15% after the deductible if you’re enrolled in the Health Savings Medical Plan option.
Know what to do when you have a chronic medical condition
If you have a chronic medical condition or serious illness, there are several steps you can take to make sure you receive the best care and highest level of benefit coverage:
- Get smart about your condition. Talk to your doctor and review reputable, independent resources to learn about your condition and recommended treatment protocols.
- Know if the doctor you are seeing is board certified in his or her specialty. Each medical specialty has a national board responsible for setting standards that doctors must meet in order to be certified. Board-certified doctors have completed several years of training beyond medical school, practiced for a designated number of years in that specialty, and passed examinations in their specialty area. Certified doctors must attend continuing medical education programs to maintain their certification. You may find a good doctor who is not board certified, but certification is generally a good indicator of knowledge and professionalism.
- Know what the plan covers. Contact your medical and prescription drug (if applicable) plan administrators to learn the details about what the plan covers.
- Take advantage of available support from the Anthem Blue Cross Blue Shield or UnitedHealthcare Healthy Focus Nurse Program. If you’re asked to participate in a condition management program, say “yes.” This support is expert, tested, and confidential—and can help ensure you receive the best possible outcome. And, when you participate, you have the opportunity to earn Healthy Rewards if you enroll in either the Health Reimbursement Copay Advantage Plan or Health Savings Medical Plan option.
- Get additional support through AccessHope for a cancer diagnosis. AccessHope provides leading cancer expertise at no cost for all USA-based employees and their eligible family members. Get an expert review of your diagnosis and treatment plan, as well as access ton experienced and compassionate cancer support team.
- Access virtual physical therapy programs through Hinge Health. If you are enrolled in any of the company-provided medical plans, you have access to Hinge Health at no additional cost. Through this program, you can get digital musculoskeletal support and access virtual physical therapy programs to prevent and alleviate joint, back, and pelvic pain – all from the comfort of your home.