Oncor employees may choose among three medical plan options.
All three offer comprehensive coverage that includes free in-network preventive care services, virtual care for physical and mental health needs, and prescription drug coverage. In addition, Oncor makes a contribution to an account that you can use for eligible medical, prescription drug, dental and vision care expenses. With two of the medical plan options, you may contribute to the account with pretax contributions, too.
Take a close look at the options and discover which one will fit your current needs, future plans and budget. You can find medical in-network rates and out-of-network allowable amounts and billed charges under the Oncor welfare plan.
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Medical Coverage |
HSA Option 1(1) |
HSA Option 2(1) |
HRA Option(2) |
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Medical + Rx |
Medical + Rx |
Medical Only |
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Annual Deductible |
In-Network |
Out-of-Network |
In-Network |
Out-of-Network |
In-Network |
Out-of-Network |
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You Only / You + Family |
$1,700 / $3,400 |
$3,400 / $6,800 |
$2,700 / $5,400 |
$5,400 / $10,800 |
$1,700 / $3,400 |
$3,400 / $6,800 |
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Company Contributions(3) |
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You Only / You + Family |
$250 / $500 |
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Coinsurance Maximum |
In-Network |
Out-of-Network |
In-Network |
Out-of-Network |
In-Network |
Out-of-Network |
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You Only / You + Family |
$2,800 / $5,600 |
$5,600 / $12,200 |
$3,000 / $6,000 |
$6,000 / $12,000 |
$2,800 / $5,600 |
$5,600 / $11,200 |
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Out-of-Pocket Maximum |
In-Network |
Out-of-Network |
In-Network |
Out-of-Network |
In-Network |
Out-of-Network |
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You Only / You + Family |
$4,500 / $9,000 |
$9,000 / $18,000 |
$5,700 / $11,400 |
$11,400 / $22,800 |
$4,500 / $9,000 |
$9,000 / $18,000 |
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Services |
You Pay |
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Preventive Care |
$0, no deductible |
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Doctor Office Visits & Most Other Eligible Expenses Except Prescription Drugs |
20% after deductible |
40% after deductible |
20% after deductible |
40% after deductible |
20% after deductible |
40% after deductible |
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Lifetime Maximum |
Unlimited |
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When you enroll in an Oncor medical option, the company contributes to a health account in your name to help cover your care throughout the year.
You’ll get:
Use these funds for deductibles, copays, prescriptions, and other eligible medical or dental expenses.
Note: If you’re age 65 or older:
Find out how much you can contribute to an HSA, along with more details.
Preventive care is covered at 100% with no deductible when you use in-network providers, and at 100% of the non-contracting allowable amount (without a deductible) if you use out-of-network providers.
Contact BCBSTX for a full list of these benefits.
Oncor’s medical options include benefits for prescription drugs and pharmacy services.
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Prescription Drug (Rx) Coverage |
HSA Option 1(1) |
HSA Option 2(1) |
HRA Option(2) |
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In-Network, You Pay |
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Annual Deductible (In-Network) |
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You Only |
Included in medical deductible |
$200 |
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You + Family |
Included in medical deductible |
$400 |
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Coinsurance Maximum |
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You Only |
Included in medical out-of-pocket maximum |
$2,000 (excludes Rx deductible) |
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You + Family |
Included in medical out-of-pocket maximum |
$4,000 (excludes Rx deductible) |
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Retail (up to a 30-day supply) |
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Value/Preventive Generic |
$5 copay, no deductible |
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All Other Generic |
20% after deductible |
$10 copay, no deductible |
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Preferred Brand Name(2)(3) |
20%, up to $75 max per Rx, after deductible |
30%, up to $100 max per Rx, after Rx deductible |
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Non-Preferred Brand Name(2)(3) |
20%, up to $120 max per Rx, after deductible |
40%, up to $120 max per Rx, after Rx deductible |
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Mail Order (up to a 90-day supply) |
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Value/Preventive Generic |
$10 copay, no deductible |
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All Other Generic |
20% after deductible |
$20 copay, no deductible |
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Preferred Brand Name(2)(3) |
20%, up to $150 max per Rx, after deductible |
30%, up to $200 max per Rx, after Rx deductible |
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Non-Preferred Brand Name(2)(3) |
20%, up to $240 max per Rx, after deductible |
40%, up to $240 max per Rx, after Rx deductible |
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Lifetime Maximum Rx Benefit |
Unlimited |
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If you take medications regularly, use CVS for long-term refills after obtaining three 30-day prescriptions. You can:
You can opt out and keep using other pharmacies for maintenance medications, but you must opt out every year.
Use Caremark® Cost Saver™ powered by GoodRx to get the lowest price on non-specialty retail generic medications. Just show your CVS Caremark Member ID when you pick up your prescriptions.
Refer to the Summary Plan Description for the Oncor Electric Delivery Company LLC Employee Welfare Benefit Plan and other documents in the Resource Library. You may obtain a copy of the required legal notices at no cost by opening a case through myhrconnection.oncor.com. Go to HR Help and submit a case to the benefits team.
Options and programs described in this website, as well as other communication materials, are intended only to be summaries of certain provisions of Oncor’s employee benefit plan(s) (the “Plan”). Benefits communication materials from the Oncor Benefits Department update and modify certain provisions of the Plan and, as such, constitutes a summary of material modifications under the law. The programs are governed by formal plan documents, and, in the event of a discrepancy, the formal plan documents will prevail. Oncor reserves the right to amend and/or terminate any or all of its benefit programs, in whole or in part, from time to time. The employee benefits offered through the Plan are optional. Any recommendations of any of the third-party administrators or insurers, or in- network/out-of- network designations are made solely by the applicable third-party administrators and/or insurance carriers, not by Oncor or the Plan.