Medical
UNFI offers five comprehensive medical options to support your health.
- The HDHP Basic, HDHP w/ HSA, EPO and PPO options are administered by Anthem (BCBS) or UnitedHealthCare (UHC) (depending on your primary home ZIP code).
- The fifth option – Kaiser Permanente HMO – is available to associates residing in certain areas of California, Oregon, Washington, Georgia, Colorado, the mid-Atlantic region and Hawaii. The Kaiser HMO plan design may vary slightly based on your geographic location.
- Associates in Hawaii: Due to state requirements, the only medical option available to associates working in Hawaii is the Kaiser HMO-Hawaii option.
Overview
For 2027, the HDHP w/ HSA, EPO and PPO have the same in-network deductible.
- HDHP Basic: $6,000 Associate-Only deductible; eligible for a Health Savings Account (HSA) to which you may contribute up to $4,500 for Associate-Only coverage and up to $9,000 for Associate and Family Levels; must use in-network providers (except in emergencies)
- HDHP w/ HSA: $2,000 Associate-Only deductible; eligible for an HSA to which you may contribute up to $4,500 for Associate-Only coverage and up to $9,000 for Associate and Family Levels
- EPO: $2,000 Associate-Only deductible; no HSA; must use in-network providers (except in emergencies); limited provider network; only available in certain areas
- PPO: $2,000 Associate-Only deductible; no HSA; copays for certain covered services and prescription drugs without having to meet a deductible
- Kaiser HMO: $2,000 Associate-Only deductible for plans in continental U.S.; no HSA; must use in-network providers (except in emergencies); limited provider network; only available in certain areas
Check your network. To see who your medical administrator is and if the EPO or Kaiser HMO is offered where you live, sign in to UNFIBenefits.com.
Stay healthy with free preventive care!
All five options cover preventive care at 100% when you see an in-network provider (not subject to deductible).
In-Network Medical Benefits
Annual Deductible
The amount you pay before coinsurance begins. In-network and out-of-network deductibles do not cross-apply. Here’s how the deductible works:
- HDHP Basic and HDHP w/ HSA: These options have a true family deductible. This means the full deductible must be reached before you start paying coinsurance for services.
- EPO and PPO: These options have an embedded deductible. This means for all coverage levels (except Associate-Only) once any covered family member meets the $2,000 Associate-Only deductible, you start paying coinsurance for that person’s services even before reaching the full deductible.
| HDHP Basic | HDHP w/ HSA | EPO | PPO | |
|---|---|---|---|---|
| Associate-Only | $6,000 | $2,000 | $2,000 | $2,000 |
| Associate and Family | $12,000 | $4,000 | $4,000 | $4,000 |
Annual Deductible – Kaiser
| Kaiser HMO: CA, OR, WA, GA, CO, Mid-Atlantic Regions |
Kaiser HMO: HI | |
|---|---|---|
| Associate-Only | $2,000 | None |
| Associate and Family | $4,000 | None |
What You Pay for Covered Services
Here’s what you pay for in-network services. Review your contribution rates on UNFIBenefits.com.
| HDHP Basic | HDHP w/ HSA | EPO | PPO | |
|---|---|---|---|---|
| Coinsurance How you and the plan share covered expenses, after the deductible |
0% | 20% | 20% | 20% |
| Preventive Care | $0 | $0 | $0 | $0 |
| Office Visit Primary care physician or specialist |
$0, after deductible | 20%, after deductible | $40 copay | $40 copay |
| Urgent Care | $0, after deductible | 20%, after deductible | $60 copay | $60 copay |
| Emergency Room | $0, after deductible | 20%, after deductible | $500 copay | $500 copay |
Covered Services – Kaiser
| Kaiser HMO: CA, OR, WA, GA, CO, Mid-Atlantic Regions |
Kaiser HMO: HI | |
|---|---|---|
| Preventive Care | $0 | $0 |
| Office Visit Primary care physician or specialist |
$10 copay | $15 copay; $0 for children age 0-17 years for routine and primary care |
| Urgent Care | $10 copay | $15 copay; 20% coinsurance (out of area) |
| Emergency Room | 10%, after deductible | $100/visit; copay is waived if admitted as an inpatient |
| Inpatient Hospital Care | 10%, after deductible | 10% |
| Outpatient Diagnostics & X‑Ray | $10 copay | Basic: $15/day Specialty: 20% |
Out-of-Pocket Maximum (OOPM)
Annual limit on your share of covered medical and prescription drug expenses, including deductibles, coinsurance and copays. In-network and out-of-network OOPM do not cross-apply. Each medical option has an embedded individual OOPM, which means once a covered family member meets the Associate-Only OOPM amount, the plan will begin to pay 100% for that family member’s covered expenses even if the full OOPM has not been reached.
| HDHP Basic | HDHP w/ HSA | EPO | PPO | |
|---|---|---|---|---|
| Associate-Only | $6,000 | $6,000 | $6,000 | $6,000 |
| Associate and Family | $12,000 | $12,000 | $12,000 | $12,000 |
OOPM – Kaiser
| Kaiser HMO: CA, OR, WA, GA, CO, Mid-Atlantic Regions |
Kaiser HMO: HI | |
|---|---|---|
| Associate-Only | $6,000 | $2,500 |
| Associate and Family | $12,000 | $7,500 |
Review medical plan details.
Choosing a medical option is an important decision. Starting Nov. 4, 2026, compare important plan details, see contribution rates and review Summaries of Benefits and Coverage (SBC) documents on UNFIBenefits.com. For a free paper copy of a plan SBC, call the UNFI Benefits Support Center at 1-866-900-UNFI (8634).