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Medical Insurance Overview
Medical Insurance Overview
Provider: UnitedHealthcare (UHC)
Coverage Period: February 1, 2026 – January 31, 2027
JBPro offers comprehensive medical insurance through UnitedHealthcare, giving employees access to a large nationwide provider network and flexible plan options. For 2026, employees may choose from two PPO plans or a new HSA-compatible High Deductible Health Plan (HDHP).
JBPro is committed to supporting employees’ health and well-being by covering 75% of the employees premium, regardless of which medical plan you choose. Employees may elect to cover eligible dependents at their own cost.
All medical plan enrollment, changes, and payroll deductions are managed through the Rippling Benefits Portal.
Eligibility & Coverage Information
Eligibility & Coverage Information
Who Is Eligible
All regular U.S. full-time employees who work an average of 30 or more hours per week are eligible to enroll in JBPro benefits.
New hires must submit benefit elections within 15 days of becoming eligible
Enrollment is completed through the Rippling Benefits Portal
Eligibility Dependents
You may elect coverage for the following qualified dependents:
Your spouse or domestic partner
Dependent children up to age 26 (married or unmarried)
When Coverage Begins
Coverage becomes effective on the first day of the month following your date of hire
Example: If you are hired on March 10, coverage begins April 1
When Coverage Ends
Coverage ends on the last day of the month in which employment ends
Depending on the circumstances of your termination, you may be eligible to continue coverage through COBRA
COBRA Continuation Coverage
Administered through Rippling
COBRA election materials will be mailed within 30 days of coverage ending
Employees are responsible for the full cost of COBRA premiums
Rippling Help Article: Enroll in COBRA coverage
Enrollment Period & Making Changes
Enrollment Period & Making Changes
Initial Enrollment
New hires have 15 days from their eligibility date to enroll
If enrollment is not completed within this window, you must wait until the next Open Enrollment unless you experience a Qualifying Life Event (QLE)
Open Enrollment
Open Enrollment occurs annually in January
Changes made during Open Enrollment take effect on February 1, 2026
During Open Enrollment, you may:
Enroll in benefits
Change medical plans
Add or remove dependents
Waive coverage
Making Changes During the Plan Year (QLE)
Outside of initial enrollment and Open Enrollment, benefit changes are not permitted unless you experience a Qualifying Life Event (QLE).
Employees are responsible for notifying HR and submitting changes in Rippling within 30 days of the qualifying event.
Common Qualifying Life Events include:
Marriage or divorce
Birth or adoption of a child
A dependent child reaching age 26
Change in child custody
Loss of coverage under a spouse’s or domestic partner’s plan
Moving to a different state
Failure to submit changes within 30 days of the event may result in waiting until the next Open Enrollment period.
Rippling Help Article: Update your coverage as a US employee following a Qualifying Life Event (QLE)
Waiving Coverage
To opt out of medical, dental, or vision coverage, you must actively waive coverage in Rippling
Benefits do not automatically enroll or waive
Waivers must be completed during:
Initial eligibility
Open Enrollment
A Qualifying Life Event window
Rippling Help Article: Enroll in benefits or waive coverage as a new hire
Plan Options
Plan Options
Available Medical Plan Options
JBPro offers three UnitedHealthcare medical plans, all available to U.S.-based employees nationwide.
UHC PPO Plans (Base & Buy-up Options)
Plan Codes:
PPO EH-I4 – $2,000 deductible
PPO EH-DP – $3,000 deductible
These plans are ideal for employees who want:
Predictable copays
Lower deductibles compared to an HDHP
Flexibility to see specialists without referrals
Key features of UHC PPO plans:
No primary care physician (PCP) or referrals required
Access to in-network and out-of-network providers
Preventive care covered at no cost when using in-network providers
Copays for office visits and prescriptions
Higher monthly premiums compared to the HDHP plan
The $2,000 deductible plan offers lower out-of-pocket costs when care is needed but comes with higher monthly premiums.
The $3,000 deductible plan has slightly lower premiums and higher cost-sharing.
UHC HDHP (HSA-Compatible) Plan
Plan Code: EH-H – Deductible: $5,000 (individual)
This plan is designed for employees who want lower monthly premiums and the ability to save for healthcare expenses using a Health Savings Account (HSA).
Key features of the HDHP plan:
Lower monthly premiums compared to PPO plans
Higher deductible before most services are covered
Preventive care covered at no cost in-network
After meeting the deductible, you pay coinsurance until reaching the out-of-pocket maximum
Eligible to open and fund a Health Savings Account (HSA)
Health Savings Account (HSA) Highlights:
Employees enrolled in the HDHP may open and fund an HSA through Rippling
No employer HSA contribution
Contributions are pre-tax
Funds are employee-owned and roll over year to year
HSA funds can be used for qualified medical expenses now or in the future
This plan may be a good fit if you:
Don’t expect frequent medical visits
Want to save on monthly premiums
Like the flexibility and tax advantages of an HSA
Plan Features Comparison
Plan Features Comparison
Feature
Feature
Deductible
UHC PPO EH-I4
UHC PPO EH-I4
In-Network: $2,000 Individual / $4,000 Family
In-Network: $2,000 Individual / $4,000 Family
Out-of-Network: $5,000 Individual / $10,000 Family
UHC PPO EH-DP
UHC PPO EH-DP
In-Network: $3,000 Individual / $6,000 Family
In-Network: $3,000 Individual / $6,000 Family
Out-of-Network: $5,000 Individual / $10,000 Family
UHC HDHP EH-HA
UHC HDHP EH-HA
In-Network: $5,000 Individual / $10,000 Family
In-Network: $5,000 Individual / $10,000 Family
Out-of-Network: $5,000 Individual / $10,000 Family
Out-of-Pocket Maximum
In-Network: $7,150 Individual / $14,300 Family
Out-of-Network: $10,000 Individual / $20,000 Family
In-Network: $6,350 Individual / $12,700 Family
In-Network: $6,350 Individual / $12,700 Family
Out-of-Network: $10,000 Individual / $20,000 Family
In-Network: $6,350 Individual / $12,700 Family
In-Network: $6,350 Individual / $12,700 Family
Out-of-Network: $10,000 Individual / $20,000 Family
Are there services covered before you meet your deductible?
Yes. Preventive Care Services and categories with a copay are covered before you meet your deductible.
Yes. Preventive Care Services and categories with a copay are covered before you meet your deductible.
Yes. Preventive Care Services is covered before you meet your deductible.
Plan Type
PPO
PPO
High Deductible Health Plan (HDHP)
Network
Nationwide UHC PPO
Nationwide UHC PPO
Nationwide UHC PPO
Referrals Required
No
No
No
Referrals Required
No
No
No
In-Network Preventive Care
Covered at no cost
Covered at no cost
Covered at no cost
Primary Care Visits
$15 Copay
$50 Copay
20% Coinsurance after deductible
Specialist Visits
$100 Copay
$50 Copay
20% Coinsurance after deductible
Urgent Care Visits
$25 Copay
$100 Copay
20% Coinsurance after deductible
Emergency Room Visit
$300 copay/vist then 20% after deductible
50% after deductible
20% Coinsurance after deductible
Hospital/ Inpatient Stay
20% after deductible
50% after deductible
20% Coinsurance after deductible
Prescription Coverage
Copays by tier
Copays by tier
After deductible, then copays/coinsurance
Pharmacy Cost
Tier 1: $10 copay
Tier 2: $35 copay
Tier 3: $60 copay
Tier 4: N/A
Tier 1: $10 copay
Tier 2: $35 copay
Tier 3: $60 copay
Tier 4: N/A
Tier 1: $10 copay
Tier 2: $35 copay
Tier 3: $60 copay
Tier 4: N/A
*After the deductible is met
Out-of-Network Coverage
Yes (higher cost)
Yes (higher cost)
Yes (higher cost)
HSA Eligible
No
No
Yes
Best For
Frequent care & predictable costs
Moderate care & lower premiums
Lower premiums & long-term savings
Benefits Summary
UHC - Medical - Choice Plus EHI4 2026UHC - Medical - Choice Plus EHDP 2026UHC - Medical - Choice Plus EHHA 2026Employee Cost
(Monthly Rates)
UHC PPO EH-I4
UHC PPO EH-I4
UHC PPO EH-DP
UHC PPO EH-DP
UHC HDHP EH-HA
UHC HDHP EH-HA
Employee Only
$151.38
$134.91
$124.59
Employee + Spouse
$817.43
$728.51
$672.80
Employee + Child(ren)
$696.33
$620.58
$573.12
Employee + Family
$1,427.77
$1,272.46
$1,175.16
Health Savings Account (HSA) Overview
Health Savings Account (HSA) Overview
For employees enrolled in the UHC HDHP (HSA-Compatible) plan, a Health Savings Account (HSA) is available through Rippling.
Key Points:
Employee-funded only: JBPro does not contribute to the HSA.
Pre-tax savings: Use funds for eligible medical expenses, reducing taxable income.
Rollover: Unused funds carry over year to year.
Individual access: Only the enrolled employee can log in; spouses and dependents cannot have separate credentials.
The HSA provides flexibility to manage healthcare costs and save for future medical expenses while paired with your HDHP plan.
IRS HSA Contribution Limits (2026)
Individual: $4,400
Family: $8,750
Catch-up (age 55+): +$1,000
HSA Rollover
Unused HSA funds roll over year to year; you do not lose them at year-end.
Resources & Support
Resources & Support
Member Portal (MyUHC.com)
Online account for claims, coverage details, and provider search.
NurseLine
24/7 nurse advice line: (877) 365-7949
CrossCoast Advisors Support
For enrollment, eligibility, or benefit questions: support@crosscoast.co
Important Reminder
Important Reminder
This overview is for informational purposes only. Full plan details, limitations, and exclusions are outlined in the official Evidence of Coverage (EOC) documents available through UnitedHealthcare and Rippling.
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