There will be NO changes for employees electing UHC medical plans (Discount Tire employees except for MI, Ellisville, Suburban Tire). There will be carrier change for the medical and pharmacy benefit for employees electing BCBS medical plans (Discount Tire Michigan only, Tire Rack, and Dunn Tire). Changes to your coverage for the 2025 benefit year are shown in blue.
In previous plan years, participants enrolled in the Health Savings Plan had $0 cost-sharing for virtual visits due to funding provided through the government’s Consolidated Appropriations Act of 2023. Effective January 1, 2025, Health Savings Plan participants will be subject to deductible and coinsurance costs.
Discount Tire Michigan only, Tire Rack, and Dunn Tire Employees: There will be a carrier change for the medical and pharmacy benefit for employees enrolled in or newly electing BCBS medical plans. Changes to your coverage for the 2025 benefit year are shown in blue.
UNITED HEALTHCARE COVERAGE IS OFFERED TO EMPLOYEES AT DISCOUNT TIRE (ALL STATES EXCEPT MICHIGAN), ELLISVILLE, AND SUBURBAN TIRE.
Selecting the right medical plan takes careful consideration. For most full-time employees, the Company offers medical plan options through United Healthcare (UHC); these plans include pharmacy benefits through OptumRx. Qualified Essential Coverage (QEC) eligible part-time employees may enroll in the Health Savings Plan.
You have 24/7 access to your UHC account information at www.myuhc.com. You can also use the site to find medical and pharmacy providers, place orders with the Mail Service Pharmacy, request new cards and print temporary cards. If you haven’t signed up already, create your account today.
Recently hire or promoted to full-time? Learn more about your coverage choices through the Company’s plans through UHC below and via our Pre-Member Website.
Preventive Care at No Cost
With either plan option, in-network preventive care is usually covered with no cost sharing, including well child, routine physicals, OB/GYN exams, mammograms and prostate exams. Costs will only be incurred if additional non-preventive lab work is requested. Also, many prescription medications are considered preventive and also covered with no cost sharing. Call the member number on your Medical Plan ID card to find out which preventive medications and services are covered at no cost.
Choice Plus Plan / Options Plan (available to Full-Time employees only)
- Coverage through the Choice Plus Plan (Options Plan in Wisconsin) is a more traditional health care option with a deductible, set co-pays and coinsurance amounts.
- With the Choice Plus Plan, you have the option to elect the Flexible Spending Account (FSA).
- Prescription costs are not counted towards the annual deductible; co-pays apply.
Health Savings Plan (available to Full-Time and Qualified Essential Coverage (QEC) eligible part-time employees)
- The Health Savings Plan is a medical plan with a Health Savings Account (HSA).
- The Company contributes to your HSA once your medical benefits go into effect: $500 for individual / $1,000 for family. Plus, you can contribute to your HSA tax free.
- Use your HSA money to pay your out of pocket health care expenses. All medical and prescription costs are applied to your deductible; after you meet the deductible, the plan covers 80% with 20% employee coinsurance.
- With the Health Savings Plan, full-time employees have the option to elect the Flexible Spending Account (FSA), but may only use FSA funds to pay for dental and vision expenses. FSA funds cannot be used to pay for medical expenses when enrolled in the Health Savings Account.
- Your HSA goes where you go! Even if you change jobs, switch health plans, or retire, your HSA is yours—you own it, and the money carries over from year to year.
| Medical Plan Choice | UHC Choice Plus/Options Plan Full-Time Only |
UHC Health Savings Plan Full-Time and QEC |
||
|---|---|---|---|---|
| Company Contribution to Your HSA | ||||
| Individual/Family | (Does not apply) | $500/$1,000 ∑ | ||
| Annual Deductible | In-Network | Out-of-Network ∆ | In-Network | Out-of-Network ∆ |
| Individual/Family | $700/$2,100 | $2,000/$5,000 | $2,000/$4,000 Ω | $4,000/$8,000 Ω |
| Maximums | ||||
| Out-of-Pocket: Individual/Family | $3,500/$7,000 | $7,000/$16,000 | $3,500/$7,000 | $7,000/$14,000 |
| Lifetime Maximum | Unlimited | Unlimited | Unlimited | Unlimited |
| Co-pays: | ||||
| Preventive Care | ||||
| Routine physicals, immunizations, and more! | 100% | Not Covered | 100% | Not Covered |
| Get rewarded for your Annual Physical! See the Physician Affidavit form | ||||
| Physician’s Services: Sickness and Injury | ||||
| Virtual Visit – Medical – via myuhc.com | FREE | N/A | 80%* | N/A |
| Physician Office Visit | $20/visit | 60%* | 80%* | 60%* |
| Specialist Office Visit | $40/visit | 60%* | 80%* | 60%* |
| Mental Health / Substance / Addiction | ||||
| Virtual Visit – Telemental Health – via myuhc.com | $20/visit | 60%* | 80%* | 60%* |
| Inpatient | 80%* | 60%* | 80%* | 60%* |
| Outpatient | $20/visit | 60%* | 80%* | 60%* |
| Emergency Care | ||||
| Urgent Care | $40/visit | 60%* | 80%* | 60%* |
| Emergency Room | $200 | $200 | 80%* | 80%* |
| Tests | ||||
| Lab, X-Ray and Major Diagnostics (CT, PET, MRI, MRA and Nuclear Medicine) – Outpatient | 80%* | 60%* | 80%* | 60%* |
| Hospital Care | ||||
| Inpatient / Outpatient Care and Surgery | 80%* | 60%* | 80%* | 60%* |
| Maternity Care | ||||
| Prenatal Visit | $40 first visit; $0 after | 60%* | 80%* | 60%* |
| Postnatal Visits/Surgery | 80%* | 60%* | 80%* | 60%* |
| Specialty Care | ||||
| Acupuncture (max 20 visits per year) | $40/visit | 60%* | 80%* | 60%* |
* = After deductible
∑ = The Company funds your HSA on the day Medical Benefits go into effect.
Ω = The Health Savings Plan requires the FULL family deductible (e.g. $4,000 for in network) be met if you have enrolled any dependents.
∆ = When you receive out-of-network care, the plan covers its percentage up to the Reasonable and Customary (R&C) limit after you satisfy the Annual Deductible. You pay the remaining percentage up to the R&C limit plus any amount above the R&C limit.
State of Illinois – Ten Essential Health Benefits
Virtual Doctor’s Visits
All United Health Care medical plans offer virtual visits. Please review the virtual visits tab for more information.
OptumRx Pharmacy Benefits
Visit our UHC Pharmacy Copay page for cost comparisons.
Consider home delivery for your 90-day prescriptions; it’s easy to get started! Request a prescription from your doctor for a three-month supply, with refills for up to one year (if appropriate), then contact OptumRx to fill your prescription.
- Cost savings: With free standard shipping, the average savings is 50% or more when compared to retail pharmacy pricing.
- 24/7 access to pharmacists
- By fax / ePrescribe: Ask your doctor to call 1-800-791-7658 for instructions on how to fax your 90-day prescription directly to OptumRx Mail Service Pharmacy. Or your doctor can send an electronic prescription to OptumRx Mail Service Pharmacy.
- Online: Log in or register at www.myuhc.comand select Manage My Prescriptions.
- By phone: Call the Advocate4Me phone number on the back of your plan ID card to talk with a customer service representative. It’s helpful to have your plan ID card and medication bottle available. The representative can also contact your doctor directly if you need a new prescription.
- Maximum convenience and peace of mind
Additional United Healthcare Information
UnitedHealthcare creates and publishes the Machine-Readable Files on behalf of Discount Tire.
To link to the Machine-Readable Files, please click on the URL provided: transparency-in-coverage.uhc.com
BLUE CROSS BLUE SHIELD COVERAGE IS OFFERED TO EMPLOYEES AT DISCOUNT TIRE LOCATED IN MICHIGAN, TIRE RACK AND DUNN TIRE.
Effective January 1, 2025, Blue Cross Blue Shield of Illinois (BCBSIL) will be our carrier for Medical and Pharmacy Insurance and the website and contact information will be changing. Everyone enrolled for the 2025 plan year will be sent a new medical card that will be used for medical and pharmacy services.
Medical plans are provided through Blue Cross Blue Shield Highmark (through December 31, 2024). Qualified Essential Coverage (QEC) eligible part-time employees may enroll in the Health Savings Plan only.
You have 24/7 access to your BCBS account information at myhighmark.com.
Preventive Care at No Cost
With either plan option, in-network preventive care is usually covered with no cost sharing, including well child, routine physicals, OB/GYN exams, mammograms and prostate exams. Costs will only be incurred if additional non-preventive lab work is requested. Also, many prescription medications are considered preventive and also covered with no cost sharing.
PPO Plan (available to Full-Time employees only)
- Coverage through the PPO Plan is a more traditional health care option with a deductible, set co-pays and coinsurance amounts.
- With the PPO Plan, you have the option to elect the Flexible Spending Account (FSA).
- Prescription costs are not counted towards the annual deductible; co-pays apply.
Health Savings Plan (available to Full-Time and Qualified Essential Coverage (QEC) eligible part-time employees)
- The Health Savings Plan is a medical plan with a Health Savings Account (HSA).
- The Company contributes to your HSA at the beginning of the plan year: $500 for individual / $1,000 for family. Plus, you can contribute to your HSA tax free.
- Use your HSA money to pay your out of pocket health care expenses. All medical and prescription costs are applied to your deductible; after you meet the deductible, the plan covers 80% with 20% employee coinsurance.
- With the Health Savings Plan, full-time employees have the option to elect the Flexible Spending Account (FSA), but may only use FSA funds to pay for dental and vision expenses. FSA funds cannot be used to pay for medical expenses when enrolled in the Health Savings Account.
- Your HSA goes where you go! Even if you change jobs, switch health plans, or retire, your HSA is yours—you own it, and the money carries over from year to year.
CVS Caremark Pharmacy Benefits
Effective January 1, 2025, pharmacy coverage will be administered through BCBSIL’s Prime Therapeutics. Everyone enrolled for the 2025 plan year will be sent a new medical card that will be used for medical and pharmacy services.
Pharmacy coverage is provided though CVS Caremark. The pharmacy network is not exclusive to CVS and includes all major chains and most independent pharmacies. For a list of in-network pharmacies near you, use the pharmacy locator on caremark.com. You will receive separate benefit cards for medical and pharmacy.
Visit our BCBS Pharmacy Copay page for cost comparisons.
| Medical Plan Choice | BCBS PPO Plan Full-Time Only |
BCBS Health Savings Plan Full-Time and QEC |
||
|---|---|---|---|---|
| Company Contribution to Your HSA | ||||
| Individual/Family | (Does not apply) | $500/$1,000 ∑ | ||
| Annual Deductible | In-Network | Out-of-Network ∆ | In-Network | Out-of-Network ∆ |
| Individual/Family | $700/$2,100 | $2,000/$5,000 | $2,000/$4,000 Ω | $4,000/$8,000 Ω |
| Maximums | ||||
| Out-of-Pocket: Individual/Family | $3,500/$7,000 | $7,000/$16,000 | $3,500/$7,000 | $7,000/$14,000 |
| Lifetime Maximum | Unlimited | Unlimited | Unlimited | Unlimited |
| Co-pays: | ||||
| Preventive Care | ||||
| Routine physicals, immunizations, and more! | 100% | Not Covered | 100% | Not Covered |
| Get rewarded for your Annual Physical! See the Physician Affidavit form | ||||
| Physician’s Services: Sickness and Injury | ||||
| Virtual Visit – Medical – via myhighmark.com | FREE | N/A | 80%* | N/A |
| Physician Office Visit | $20/visit | 60%* | 80%* | 60%* |
| Specialist Office Visit | $40/visit | 60%* | 80%* | 60%* |
| Mental Health / Substance / Addiction | ||||
| Virtual Visit – Telemental Health – via myhighmark.com | $20/visit | 60%* | 80%* | 60%* |
| Inpatient | 80%* | 60%* | 80%* | 60%* |
| Outpatient | $20/visit | 60%* | 80%* | 60%* |
| Emergency Care | ||||
| Urgent Care | $40/visit | 60%* | 80%* | 60%* |
| Emergency Room | $200 | $200 | 80%* | 80%* |
| Tests | ||||
| Lab, X-Ray and Major Diagnostics (CT, PET, MRI, MRA and Nuclear Medicine) – Outpatient | 80%* | 60%* | 80%* | 60%* |
| Hospital Care | ||||
| Inpatient / Outpatient Care and Surgery | 80%* | 60%* | 80%* | 60%* |
| Maternity Care | ||||
| Prenatal Visit | $40 first visit; $0 after | 60%* | 80%* | 60%* |
| Postnatal Visits/Surgery | 80%* | 60%* | 80%* | 60%* |
| Specialty Care | ||||
| Acupuncture (max 20 visits per year) | $40/visit | 60%* | 80%* | 60%* |
* = After deductible
∑ = The Company funds your HSA on the day Medical Benefits go into effect.
Ω = The Health Savings Plan requires the FULL family deductible (e.g. $4,000 for in network) be met if you have enrolled any dependents.
∆ = When you receive out-of-network care, the plan covers its percentage up to the Reasonable and Customary (R&C) limit after you satisfy the Annual Deductible. You pay the remaining percentage up to the R&C limit plus any amount above the R&C limit.
Virtual Doctor’s Visits
All Blue Cross Blue Shield medical plans offer virtual visits. Please review the virtual visits tab for more information.
Express Scripts Pharmacy Benefits
Effective January 1, pharmacy services will transition to CVS Caremark. See the insert in the 2024 Benefits Guide mailed to your home for a list of in-network pharmacies.
Visit our BCBS Pharmacy Copay page for cost comparisons.
Consider mail order through Express Scripts for your 90-day prescriptions
Express Scripts manages the home delivery pharmacy benefit for BCBS. Home delivery is a great option for maintenance medications – those you need on a long-term basis – for which your doctor can provide a 90-day prescription. (You should still use a retail pharmacy for medications you take on a short-term basis, such as antibiotics.)
- Cost savings: With free standard shipping, the average savings is 50% or more when compared to retail pharmacy pricing.
- Health and safety support: Pharmacists are available 24/7 to help answer medication questions.
- Coordination: Express Scripts can help coordinate with your doctor; let them know and they will contact your doctor to get a new 90-day prescription and follow up as necessary.
- Register and order online: Log in or register at mybenefitshome.com and select Prescriptions Services to get started.
- Or order by phone: Call 1-800-652-9451 to talk with a customer service representative. It’s helpful to have your plan ID card and medication bottle available.
Discount Tire Michigan only, Tire Rack, and Dunn Tire Employees: The way BCBS participants access virtual visits will be changing when the new carrier goes into effect on January 1, 2025. See the Health and Wellness flyer included with your Benefits Guide for details.
A virtual visit— Medical or Telemental Health —lets you see and talk to a doctor from your mobile device or computer. UnitedHealthcare (UHC) and Blue Cross Blue Shield Highmark (BCBS) offer virtual visits as a provider choice for Discount Tire employees enrolled in medical benefits.
You have a choice of different provider groups depending on your plan’s virtual visit network. The cost of your visit will vary depending on your plan and whether the visit is Medical or Telemental Health. Check your plan documents for more information about you plan’s specific costs.
Virtual Visits – Medical – for sickness or injury
- Available to all members of any of the UHC/BCBS plans above for certain non-emergency medical conditions like the flu, colds, pink eye, rashes and fevers.
- See and talk to a doctor from your mobile device or computer from a network of virtual provider groups.
- Providers are expected to deliver care within 30 minutes or less from the time you put in a request for a visit.
- UHC participants (Discount Tire employees in all states but Michigan and Suburban Tire): visit the Virtual Visits – Medical page for more information
- BCBS participants (Discount Tire Michigan, Tire Rack, Dunn Tire): Visit the Virtual Visits – Medical BCBS page for more information
Virtual Visits – Telemental Health – for behavioral health
- Convenient appointments that may fit your lifestyle.
- The care you need sooner.
- Secure technology meets or exceeds HIPPA security standards.
- See and talk to a doctor from your mobile device or computer from a network of virtual provider groups.
- UHC participants (Discount Tire employees in all states but Michigan and Suburban Tire): visit the UHC – Telemental Health page for more information
- BCBS participants (Discount Tire Michigan, Tire Rack, Dunn Tire) : visit the BCBS – Telemental Health page for more information
Don’t wait until you throw your back out or have a 102° fever to sign up for Virtual Visits! Sign up now via your healthcare plan website to easily access virtual visits when you need them.
Additional Documents:
- UHC Access Virtual Visits (PDF)
- UHC Virtual Visits: Frequently Asked Questions (PDF)
- BCBS – How to Have a Virtual Doctor’s Visit (PDF) – THIS IS REMOVED IN PRODUCTION, IS THERE AN UPDATED VERSION OF THIS FOR BCBSIL?
There will be no changes to the medical benefit for the 2022 plan year.