Medical and Pharmacy

Collective Health

Confluent has teamed up with Collective Health to give you a variety of medical plan options, so you can choose what works best for you and your family. These plans are available to all US employees and use the Blue Shield PPO Network, with prescription coverage through Express Scripts (ESI). Take some time to explore the different plans and check out the resources in the sidebar to get more information.

Plan Features Medical HDHP/HSA Medical PPO Medical EPO
In-Network
Deductible
Individual/Family
$1,700/ $3,400 $250 / $750 $0 / $0
In-Network
Out of Pocket Maximum
Individual/Family
$3,400 / $6,800 $2,500 / $5,000 $2,500 / $5,000
In-Network
Preventive Care
100% covered 100% covered 100% covered
Cost Structure
  • Lower per paycheck contributions, but you will pay more at the doctor.
  • Plan will not cover any non-preventive services before deductible is met.
  • After deductible is met, you will generally pay 10% of total billed charges.
  • Higher per paycheck contributions, but you will generally pay less at the doctor.
  • This plan has a mix of copays and coinsurance amounts.
  • In general, copays will apply before your deductible is met.
  • Higher per paycheck contributions, but you will pay the least at the doctor.
  • This plan has copays for almost all services, which make your out-of-pocket costs easy to plan for.
Referral for Specialists Needed? No No No
Out-of-Network Coverage* Yes, but limited Yes Extremely limited
Pre Tax Spending Account Compatibility HSA
Limited Purpose FSA
Healthcare FSA Healthcare FSA
More Plan Details

*While you may have access to out-of-network care, you’ll experience the greatest amount of savings in-network with Blue Shield PPO Network.

Express Scripts

All medical plans through Collective Health have access to prescription drug coverage through Express Scripts.

  • Create your account at express-scripts.com or download the Express Scripts mobile app to view prescriptions, find network pharmacies, order refills, and check medication pricing.
  • You can check to see if a medication is covered here.
  • Express Scripts offers free shipping on home delivery for long-term maintenance medications.
  • Specialty prescription drugs are filled through Express Scripts’ specialty pharmacy, Accredo.

Additional Resources through Collective Health

As a Collective Health member, you have access to these additional resources.

  • Collective Health Member Advocates – for help with your claims or to advocate for you. They also provide your ID card.
  • Travel Reimbursement Benefits: If you need to travel more than 100 miles or out of state to access a covered healthcare service, Collective Health plans will reimburse up to $4,000 per member per year for meals, lodging, and transportation costs. Call Collective Health’s Member Advocate team for more information, or submit a claim for reimbursement through your Collective Health account.
    • Traveling for gender affirming care? In that case, Collective Health plans will reimburse up to $10,000 per member per year in travel expenses.