T-Mobile benefits
Which plan fits the way you use care?
Choose a healthcare-year scenario to compare medical plans and explore supplemental coverage.
Step 1
Choose the year that sounds most like yours.
Step 2
Compare your options.
HOW MUCH WILL IT COST ME?
A Trip to the ER
Annual totals include employee contributions and reflect T-Mobile HRA/HSA funding shown in these examples.
*Lyra provides 10 no-cost sessions per topic, per year, per household family member (spouses/partners and children).
Explore more scenarios & view the cost breakdown
Disclaimer: The costs of services in this are estimates only. For these scenarios, costs of services were based on assumptions calculating the lower end of the national billed rates. Cost of services may vary. In the “Delivering a Baby” scenario, the following bundled services are assumed in the estimate: 1 inpatient admission/delivery; 2 PCP office visits; 3 specialist office visits; 1 urgent care visit; 1 emergency room visit; 3 generic prescriptions; 1 brand formulary prescription; and 1 specialty formulary prescription.
View full plan comparison
Compare benefits and considerations across all four medical plans. On smaller screens, scroll across the table to see every plan.
Learn more about the medical plans (including UHC, Surest and Premera pre-member sites to search for network providers, find copay costs for services with Surest, or view covered prescriptions/costs under the CVS Caremark Plan)
Step 3
Find a combination that works for you.
Consider your medical plan and supplemental coverage together.
Your medical plan is one part of the picture. Supplemental health plans can provide additional benefits for covered accidents, critical illnesses, or hospital stays to help with medical or everyday expenses.
Supplemental health plan
Accident
Provides benefits for covered accidents and injuries, such as fractures, and related care.
Supplemental health plan
Critical Illness
Pays cash benefits following a covered diagnosis, such as cancer, heart attack, or stroke.
Supplemental health plan
Hospital Indemnity
Provides benefits for covered hospital admissions and stays, including intensive care.
Another way to plan for certain expenses
Alongside copays, deductibles, and spending accounts, consider whether supplemental benefits could help with expenses from a covered event. These plans have additional premiums and do not change your medical plan's deductible or out-of-pocket maximum. Benefits depend on the covered event and plan terms.
Be sure to review plan documents for specifics regarding coverage, limitations, and exclusions. Review applicable premium for these plans during enrollment.
What else should I consider?
A simple way to think about it
Every plan makes a different tradeoff.
Predictability
Copays can make costs for everyday visits easier to anticipate, while deductible-based plans may shift more cost earlier in the year.
Premiums
Consider paycheck deductions alongside what you may pay when you use care, including the added premium for any supplemental coverage you choose.
Funding and savings
Employer account funding can change the picture, but the way HRA and HSA funds work is different.
Ready to Enroll?
Visit t-mobilebenefits.com/login to make your 2027 benefit selections. Use the decision support tool within the enrollment experience for a chance to win up to $5,000 in Appreciation Zone points.
How to use decision support
Log in
Visit t-mobilebenefits.com/login and log in to your account.
Start enrollment
Select Start Here in the Enrollment banner at the top of the page or the My Tasks section.
Verify your information
Enter the enrollment, and confirm your personal information and dependents, if applicable.
Choose decision support
On the How would you like to enroll? screen, select I'd Like Help Choosing Plans to use the decision support tool.
Complete your enrollment using the decision support tool by October 28 to be entered to win up to $5,000 in Appreciation Zone points!
Important: This comparison is educational and does not enroll you in a plan or make a plan recommendation. When choosing your health plan, you should consider your own unique health and financial situation and review official plan documents. This is a summary only of benefits at T-Mobile. Benefit programs are based on eligibility and offered in accordance with the terms of the plan documents governing each program. In the event of a discrepancy in the information in this communication and the plan document, the plan document will prevail. T-Mobile reserves the right to amend, reduce, suspend, or terminate any plan, program, or benefit at any time.
PPO and HDHP options may be offered through different carriers or networks depending on location. Working-partner surcharges and separate domestic-partner tax treatment may apply and are not considered in this comparison.
Please note that some annual premium, care estimates, and totals may be rounded, and some small differences may occur as a result. In the event of a discrepancy in the information on this site and plan documents, the plan documents will prevail.
Live in Hawaii? View information about your plans here. This resource does not include information on plans for Hawaii residents.
