Medical
Publicis Groupe offers medical plan options designed to meet the diverse needs of you and your family—from routine care to unexpected illness or injury.
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Publicis Medical Plans
The benefits program includes medical plan options with a range of coverage levels and costs designed to meet the diverse needs of our employees.
Plan Description Medical Health Savings Account Plan, or Medical HSA Plan Administered by: UnitedHealthcare
A consumer-directed health plan (CDHP) that puts you in charge of your spending through lower paycheck contributions, higher deductibles, and a tax-free Health Savings Account (HSA). You must take the additional step of opening this account to use it.Standard Preferred Provider Organization Plan, or Standard PPO Plan Administered by: UnitedHealthcare
A traditional Preferred Provider Organization (PPO) plan that offers benefit levels and paycheck contributions that fall in the middle of the three medical plan options.Premier Preferred Provider Organization Plan, or Premier PPO Plan Administered by: UnitedHealthcare
A traditional PPO plan that has the highest benefit levels and highest paycheck contributions of the three medical plan options.
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Compare the Plans
All our medical plans provide:
Comprehensive, affordable coverage that fulfills the requirements of the health care reform law.
Free in-network preventive care with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered services.
Prescription drug coverage included with each medical plan.
Financial protection through annual out-of-pocket maximums that limit the amount you'll pay each year.
Some ways the Medical HSA Plan is different from the Standard PPO and Premier PPO Plans:
Feature
Medical HSA Plan
Standard PPO Plan and Premier PPO Plan
Health Savings Account (HSA)
You are automatically enrolled in an HSA; you must take action to use your HSA. Allows you to save pre-tax money for health care expenses in 2026 and beyond. Publicis funds the account annually and you may contribute, too. You may also enroll in a Limited Purpose Health Care FSA.
You may not enroll in an HSA. You may enroll in a Health Care FSA, which allows you to save pre-tax money for health care expenses in 2026. Publicis does not fund the Health Care FSA.
Cost of coverage
You pay less in paycheck contribution.
You pay more in paycheck contribution.
Annual deductible
You pay a higher deductible than in the PPO options. The annual deductible works differently than the PPO options when you cover family members. You must meet the entire family deductible before coinsurance begins for anyone covered under the plan (a "true family deductible").
You pay a lower deductible than the Medical HSA Plan (deductibles differ between the two PPO options). When you cover family members, coinsurance for an individual begins once he or she reaches the individual deductible.
Coinsurance vs. copayments
You generally pay coinsurance for physician office visits and outpatient mental health/substance abuse care, after you meet the annual deductible.
You generally pay a copayment for physician office visits and outpatient mental health/substance abuse care.
Annual out-of-pocket maximum
There is a higher out-of-pocket maximum than the PPO options.
There is a lower out-of-pocket maximum than the Medical HSA Plan (out-of-pocket maximums differ between the two PPO options).
Prescription drugs
Prescription drug expenses are subject to the annual deductible.
Prescription drug expenses are subject to the annual deductible.
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How The Medical HSA Plan Works
The Medical HSA Plan combines lower paycheck contributions with a tax-free Health Savings Account (HSA). You pay more when you receive care, but you keep more of your paycheck—and your HSA helps you cover those costs.
You can see any in-network or out-of-network provider, but in-network care gets you higher benefits.
How your costs work:
Fund your HSA — Contribute pre-tax dollars from your paycheck. Publicis also contributes annually.
Deductible — You pay 100% of costs until you hit your annual deductible.
Coinsurance — After your deductible, you and the plan share costs. The plan pays the majority.
Out-of-pocket maximum — Once you hit the annual limit, the plan covers 100% for the rest of the year.
Preventive care — Always covered at 100% in-network. No cost to you.
Tips for budgeting your HSA:
Contribute at least enough to cover your expected deductible and coinsurance.
You can only spend what's been deposited—adjust contributions during the year as needed.
Unused funds roll over every year. Use your HSA to save for future or retirement health costs.
Pair your HSA with a Limited Purpose FSA for additional tax savings on dental and vision.
Plan Comparisons
Your costs
Medical HSA Plan
Standard PPO Plan
Premier PPO Plan
HSA eligible
Yes
No
No
Company contribution to HSA
$250 (Employee Only tier)
$500 (all other tiers)
No
No
Wellness care
No cost to you when you see in-network providers—covered at 100% in-network
No cost to you when you see in-network providers—covered at 100% in-network
No cost to you when you see in-network providers—covered at 100% in-network
Individual/family deductible — In-network
$1,700 / $3,400
$1,100 / $2,200
$850 / $1,700
Individual/family deductible — Out-of-network
$3,400 / $6,800
$2,200 / $4,400
$1,700 / $3,400
Individual/family out-of-pocket maximum — In-network
$6,650 / $13,300
$6,250 / $12,500
$3,900 / $7,800
Individual/family out-of-pocket maximum — Out-of-network
$13,300 / $26,600
$12,500 / $25,000
$7,800 / $15,600
Your coinsurance — In-network
20% after deductible
20% after deductible
20% after deductible
Your coinsurance — Out-of-network
40% after deductible
40% after deductible
40% after deductible
Office visits (primary and specialist) — In-network
20% after deductible
$30 copay for primary care visit / $45 for specialist visit
$25 copay for primary care visit / $40 for specialist visit
Office visits — Out-of-network
40% after deductible
40% after deductible
40% after deductible
Hospital visit — In-network
20% after deductible
20% after deductible
20% after deductible
Hospital visit — Out-of-network
40% after deductible
40% after deductible
40% after deductible
Emergency room visit — In-network
20% after deductible
20%; not subject to deductible
20%; not subject to deductible
Emergency room visit — Out-of-network
40% after deductible
20%; not subject to deductible
20%; not subject to deductible
Mental health/substance abuse (outpatient) — In-network
20% after deductible
$30 copay
$25 copay
Mental health/substance abuse (outpatient) — Out-of-network
40% after deductible
40% after deductible
40% after deductible
Mental health/substance abuse (inpatient) — In-network
20% after deductible
20% after deductible
20% after deductible
Mental health/substance abuse (inpatient) — Out-of-network
40% after deductible
40% after deductible
40% after deductible
Infertility office visit — In-network
20% after deductible
$45 copay
$40 copay
Infertility office visit — Out-of-network
40% after deductible
40% after deductible
40% after deductible
Infertility hospital or outpatient facility services — In-network
20% after deductible
20% after deductible
20% after deductible
Infertility hospital or outpatient facility services — Out-of-network
40% after deductible
40% after deductible
40% after deductible
Most other services — In-network
20% after deductible
20% after deductible
20% after deductible
Most other services — Out-of-network
40% after deductible
40% after deductible
40% after deductible
Hearing aids
Up to $2,500 annually, once every 3 years
Up to $2,500 annually, once every 3 years
Up to $2,500 annually, once every 3 years
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Family Planning Benefit
Coverage under the Publicis medical plans covers family planning services without evidence of medical necessity (e.g., infertility). We are committed to assisting our employees looking to build their families through the use of various fertility treatments such as intrauterine insemination and in vitro fertilization (IVF).
Note: There is a $25,000 lifetime fertility benefit maximum. A covered individual will need to satisfy the plan's deductible and pay the applicable coinsurance up to the out-of-pocket or lifetime maximum, whichever comes first. The fertility benefit does not include cryopreservation (storage) for eggs.
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Transparency in Coverage Rules
The federal Transparency in Coverage Rules require certain group health plans to publicly disclose price and cost-sharing information. This information includes in-network provider rates as well as historical out-of-network allowed amounts and billed charges for covered items and services, which is to be shared via two separate machine-readable files (MRFs). The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.
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New Protections Against Surprise Medical Bills
Effective January 1, 2022, the No Surprises Act provides new protections against surprise billing, or balance billing, under medical plans, such as those offered by Publicis. This legislation prohibits medical providers from sending surprise bills for most emergency and some non-emergency out-of-network care.
Example: if you visit an in-network facility for emergency services, you may see providers, such as specialists like an anesthesiologist, who are not in-network providers under the Publicis medical plan. The No Surprises Act now protects you from charges and balance bills for these additional services.
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Telemedicine (Teladoc)
Publicis' telemedicine program can save you money, time, and a trip to the doctor's office. If you are enrolled in a Publicis medical plan, you and your eligible dependents can use telemedicine through Teladoc for just $0 (PPO plans) or $57 (HSA plan). Use Teladoc as a low-cost alternative to an urgent care or emergency room visit.
Telehealth is a good option when:
You need care right away
You're considering the ER vs. an urgent care center for a non-emergency issue
You're traveling or away from home
You're considering leaving a non-emergency health care issue untreated
Conditions Teladoc can treat:
Cold and flu symptoms
Allergies
Bronchitis
Urinary tract infection
Respiratory infection
Sinus problems
Children (e.g., diaper rash, kid issues)
And more
Board-certified physicians are available 24/7/365 by phone or through live video right from your mobile device or computer. Telehealth physicians can provide fast, convenient diagnosis and treatment for many common conditions.
Phone: 1-800-835-2362
Website: teladochealth.com
Note: Set up your account at teladochealth.com before your first visit.
Visit Copays
Medical Plan
General Medical Visit Copay
Mental Health Therapy Session Copay
Premier PPO Plan
$0
$25 per therapy session
Standard PPO Plan
$0
$30 per therapy session
HSA Plan
$57
$99 per therapy session
NOTE: If you participate in the Medical HSA Plan, a copayment will apply if you use Teladoc services before you have met the annual deductible. There will be no cost to you for these services after you meet the deductible.
Contacts:
UnitedHealthcare
P.O. Box 740800, Atlanta, GA 30374-0800
Teladoc