Student Debt 401(k) Match Program

A T-Mobile employee taking a selfie in front of a bright pink T-Mobile branded wall.

T-Mobile's Student Debt 401(k) Match Program, administered by Fidelity, helps eligible employees continue building retirement savings while paying down student debt. Verified student loan payments can count toward receiving the T-Mobile 401(k) employer match, even if you aren't contributing to your 401(k) through your paycheck.

How It Works

Your student loan payments are treated like 401(k) contributions when calculating your employer match.
You’ll continue to receive your regular match for each pay period for any 401(k) contributions you make.
At the end of the year, T-Mobile will make an additional contribution based on your verified student loan payments.
This helps you earn your full match potential, even if you contribute less or not at all to your 401(k).

Eligibility & Enrollment

You must complete one year of service to participate (same as the traditional 401(k) match).
Enrollment and loan verification will be managed through Fidelity at www.netbenefits.com.

Loan Eligibility

Eligible loans include federal or private student loans taken out in your name for your own, your spouse’s, or your dependent’s education.
You must have at least one verified loan account to complete enrollment.

Employee Match

You can earn up to 4% of your eligible compensation, up to IRS limits ($360,000 in 2026).
Any student-loan-based match will be contributed to your 401(k) after the plan year ends (typically by March of the following year).

Get Started

Visit www.netbenefits.com to enroll and verify your student loans.
For questions or assistance:
- Fidelity (Student Loan Match): 866-711-0350
- Fidelity (General 401(k) Questions): 800-491-1014

Prescription Plans	Surest Copay Only	PPO Plan with Health Reimbursement Account (HRA Plan)	Exclusive Provider Organization (EPO Plan)	High Deductible Health Plan with Health Savings Account (HSA Plan)
Tier 1 (30 days)	$10 copay	10% ($5 copay min.-$20 copay max.)	$10 copay	Plan pays 80% after deductible
Tier 2 (30 days)	$75 copay	20% ($25 copay min.-$55 copay max.)	$35 copay	Plan pays 80% after deductible
Tier 3 (30 days)	$200 copay	30% ($45 copay min.-$80 copay max.)	$60 copay	Plan pays 80% after deductible
Mail Order/Retail (90 days)	2x monthly rate	2x monthly rate	2x monthly rate	Plan pays 80% after deductible
Preventive Medications	Subject to normal copay	Many are free	Subject to normal copay	Many are free
Weight loss Medications (anti-obesity and anorexiants)	2027: $100 copay max 2026: $55 copay max	2027: $100 copay max 2026: $55 copay max	2027: $100 copay max 2026: $55 copay max	Plan pays 80% after deductible
*The other differences are that in the HRA and HSA Plans, a robust list of preventive medications are FREE. You can review the covered preventive prescriptions and others, as well as costs at info.caremark.com/oe/t-mobile.

Coverage Election	Dental				Vision
	PPO Network		Open Network		Vision
	Employee	Employer	Employee	Employer	Employee	Employer
Employee Only	$6.00	$7.31	$17.00	$6.95	$3.50	$0.00
Employee plus Spouse	$12.00	$12.62	$31.00	$13.31	$6.00	$0.00
Employee plus Children	$14.00	$15.28	$37.00	$15.69	$6.00	$0.00
Employee plus Family	$20.00	$20.59	$52.00	$21.05	$9.50	$0.00
Domestic Partner¹	$6.00	$5.31	$14.00	$6.36	$2.50	$0.00
Domestic Partner Child¹	$8.00	$7.97	$20.00	$8.74	$2.50	$0.00
¹Domestic Partner deductions are taken on a post-tax basis, and employee pays tax on the employer portion of the contribution.

Coverage Election	Surest Copay Only Plan	PPO Plan with Health Reimbursement Account	Exclusive Provider Organization (EPO) Plan	High Deductible Health Plan with Health Savings Account (HSA)
Employee	$10.25	$52.88-$100	$108.39-$162	$44.97-$91
Employee + Spouse	$36	$121.28-$216	$232.28-$340	$105.45-$198
Employee + Children	$26	$104.12-$189	$202.64-$300	$90.21-$174
Employee + Family	$42	$163.05-$304	$336.39-$498	$137.53-$275
Additional Working Partner Premium	$46.15	$46.15	$46.15	$46.15

Coverage Election	Surest Copay Only Plan	PPO Plan with Health Reimbursement Account	Exclusive Provider Organization (EPO) Plan	High Deductible Health Plan with Health Savings Account (HSA)
Employee	$10.25	$48.62-$91	$98.57-$147	$41.50-$83
Employee + Spouse	$36	$112.75-$198	$212.65-$310	$98.50-$182
Employee + Children	$26	$96.31-$173	$184.97-$272	$83.78-$159
Employee + Family	$42	$150.94-$278	$306.94-$453	$127.97-$252
Additional Working Partner Premium	$46.15	$46.15	$46.15	$46.15
If you have a domestic partner or child of your domestic partner enrolled on the medical plan, the amount T-Mobile pays for your domestic partner/child of domestic partner coverage is added to your paycheck as taxable income because the IRS does not consider either to be a tax dependent. For additional information, please log in to your account at www.t-mobilebenefits.com/login.

Medical Plans	Surest Copay Only	PPO Plan with Health Reimbursement Account (HRA Plan)	High Deductible Health Plan with Health Savings Account (HSA Plan)	Exclusive Provider Organization (EPO Plan)
Calendar Year Deductible
Individual	$0	$2,250	$2,250	$750
Enrolled dependents	$0	$4,500	$4,500	$1,500
T-Mobile Account Funding (coverage on Jan 1)
Individual	N/A	$500*	$500**	N/A
Enrolled dependents	N/A	$1,000*	$1,000**	N/A
T-Mobile Account Funding (coverage Feb 1 or after)
Individual	N/A	$41.66/month*	$19.23/pay period**	N/A
Enrolled dependents	N/A	$83.33/month*	$38.46/pay period***	N/A
Out-of-Pocket Max (includes the deductibles)
Individual	$6,500	$4,250	$4,250	$3,750
Enrolled dependents	$13,000	$8,500	$8,500***	$7,500
Coinsurance (starts after deductible is met)	N/A	80% in-network, 60% out-of-network up to R&C	80% in-network, 60% out-of-network up to R&C	80% in-network only, NO coverage out-of-network
Office Visits
Preventive	FREE	FREE	FREE	FREE
In-person primary care physician (or a virtual care physician, if available)	$25-$130	$35	Deductible + coinsurance	$20
24/7 virtual medical care with a designated provider in the following networks: Premera Blue Cross enrollees: Doctor on Demand and 98point6 UHC enrollees: Teladoc, Optum Virtual Care, Walmart Health Virtual Care, Amwell, Doctor on Demand Surest enrollees: Amwell, Doctor on Demand, Alma, Talkspace	FREE	FREE	Deductible + coinsurance	FREE
In-person specialist	$25-$130	$50	Deductible + coinsurance	$30
In-person behavioral health visit with a licensed therapist	$25-$130	$35 (in or out of network)	Deductible + coinsurance	$20
Virtual behavioral health care with licensed psychiatrists or therapists in the following networks: Premera Blue Cross enrollees: Doctor on Demand and Talkspace UHC enrollees: Amwell, Doctor on Demand and Talkspace	$0-$130	$35	Deductible + coinsurance	$20
Emergency room	$600 copay	$200 copay, then 80% after deductible (copay waived if admitted)	80% after deductible	$200 copay, then 80% after deductible (copay waived if admitted)
To view cost estimate comparisons for how much you might spend out of pocket for certain services under each plan, click here. Entire T-Mobile funding is available first day of coverage. Any balance rolls over to the next year, up to $6,000 as long as you remain in the plan. T-Mobile contributions are prorated and funded by the Friday following each pay date. Any funds in your HSA are yours to keep, even if you leave T-Mobile. **The High Deductible Health Plan with HSA Plan features a true family deductible. The family deductible is two times the individual deductible and requires that the entire family deductible is met before paying 80% of covered charges. Please note that the out-of-pocket maximum works the same way.

Prescription Plans	Surest Copay Only	PPO Plan with Health Reimbursement Account (HRA Plan)	High Deductible Health Plan with Health Savings Account (HSA Plan)	Exclusive Provider Organization (EPO Plan)
Prescription Drugs
Tier 1 (30 days)	$10 copay	10% ($5 copay min.-$20 copay max.)	Plan pays 80% after deductible	$10 copay
Tier 2 (30 days)	$75 copay	20% ($25 copay min.-$55 copay max.)	Plan pays 80% after deductible	$35 copay
Tier 3 (30 days)	$200 copay	30% ($45 copay min.-$80 copay max.)	Plan pays 80% after deductible	$60 copay
Mail Order/Retail (90 days)	2x monthly rate	2x monthly rate	Plan pays 80% after deductible	2x monthly rate
Preventive Medications	Subject to normal copay	Many are free	Many are free	Subject to normal copay
Weight loss Medications (anti-obesity and anorexiants)	$55 copay max	$55 copay max	Plan pays 80% after deductible	$55 copay max
Preventive Prescription Drugs*
Tier 1 (30 days)	$10	FREE	FREE	$10
Tier 2 (30 days)	$75	FREE	FREE	$35
Tier 3 (30 days)	$200	FREE	FREE	$60
Mail Order/Retail (90 days)	Copay x 2	FREE	FREE	Copay x 2
Lifetime Maximum	n/a	Unlimited	Unlimited	Unlimited
*The other differences are that in the HRA and HSA Plans, a robust list of preventive medications are FREE. You can review the covered preventive prescriptions and others, as well as costs at info.caremark.com/oe/t-mobile.

Student Debt 401(k) Match Program

How It Works

Eligibility & Enrollment

Loan Eligibility

Employee Match

Get Started

Money on the Table

Buffet of Services

Don't Wait for a Breakdown

The Umbrella Effect

Virtual Care Delivers

Surest

PPO with Health Reimbursement Account

High Deductible Health Plan with HSA

EPO Plan

Supplemental Health Plans

HMSA HMO and PPO:

HMSA Health Plan Hawaii Plus (HMO):

HMSA Preferred Provider Plan (PPO):

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Cost Per Pay Period Is Changing

Weight Loss Medication Cost Increase

Select Voluntary Benefits Now Available Through the Enrollment Experience

New Health Savings Account (HSA) Limits Are Increasing

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