Medical
Good health begins here. Choose a medical plan that fits your needs and your budget.
Petco offers a choice of medical plans designed to help you and your family maintain good health and offer protection from the financial burden of a serious illness or injury. Deciding which plan is best for you depends on your specific health care needs, provider preferences, budget and lifestyle. You can select from the options shown below.
UMR-United Healthcare Plans Direct Link
View a comparison of the UMR-United Healthcare plans. For more details about each plan, click on the dropdowns below.
Enhanced PPO Plan Direct Link
With the Enhanced PPO Plan, you can see both in-network and out-of-network doctors without a referral, but keep in mind staying in-network for care will almost always be less expensive.
- Highest premiums
- Lowest deductible
- Copays for doctor visits, urgent care and generic drugs
- Telemedicine doctor visit through Teladoc has a $0 copay
Value PPO Plan Direct Link
With the Value PPO Plan, you can see both in-network and out-of-network doctors without a referral, but keep in mind staying in-network for care will almost always be less expensive.
- Lowest premiums
- Highest deductible
- Copays for doctor visits, urgent care and generic drugs
- Telemedicine doctor visit through Teladoc has a $0 copay
HSA Plan Direct Link
With the HSA Plan, you can see both in-network and out-of-network doctors without a referral, but keep in mind staying in-network for care will almost always be less expensive. To help with your share of costs, this plan comes with a health savings account (HSA). You can use the money in an HSA to help pay eligible health care expenses, including deductibles, copays, and coinsurance. Key features of the HSA plan include the following:
- Premiums are in-between Enhanced and Value PPO plans
- High deductible
- You must meet the deductible before the plan begins to pay for services other than preventive care. After you’ve met the deductible, you’ll pay 20% for most in-network covered services
- Telemedicine doctor visits through Teladoc have a $45 copay before the deductible is met and a $0 copay after the deductible is met
- Behavioral health visits through Teladoc have a copay from $70 to $180 before the deductible is met and a $0 copay after the deductible is met
- Petco will make a maximum annual contribution up to $350 for employee coverage only and up to $700 for employee + dependents coverage for the plan year.
Kaiser Permanente Plans Direct Link
If you live in a Kaiser Permanente service area in CA, CO, DC, GA, MD, OR, VA or WA, you may be able to elect a Kaiser HMO or HSA medical plan.
View a comparison of the Kaiser Permanente plans. For more details about each plan, click on the dropdowns below.
Enhanced HMO Plan (Kaiser Permanente) Direct Link
You can select this plan if you live in a Kaiser Permanente service area in CA, CO, DC, GA, MD, OR, VA, or WA. This plan exclusively covers you when you use Kaiser Permanente doctors and facilities. Except in the case of an emergency, you’ll pay the full price for care you receive from a non-Kaiser doctor or facility.
Value HMO Plan (Kaiser Permanente) Direct Link
You can select this plan if you live in a Kaiser Permanente service area in CA, CO, DC, GA, MD, OR, VA, or WA. This plan exclusively covers you when you use Kaiser Permanente doctors and facilities. Except in the case of an emergency, you’ll pay the full price for care you receive from a non-Kaiser doctor or facility.
HSA Plan (Kaiser Permanente) Direct Link
You can select this plan if you live in a Kaiser Permanente service area in CA, CO, DC, GA, MD, OR, VA, or WA. This plan exclusively covers you when you use Kaiser Permanente doctors and facilities. Except in the case of an emergency, you’ll pay the full price for care you receive from a non-Kaiser doctor or facility. To help with your share of costs, this plan comes with a health savings account (HSA). You can use the money in an HSA to help pay eligible health care expenses, including deductibles, copays, and coinsurance.
- Petco will make a maximum annual contribution up to $350 for employee coverage only and up to $700 for employee + dependents coverage for the plan year.
Plans available in Hawaii Direct Link
If you live in Hawaii, you can choose the HMSA CompMed PPO or the Kaiser KP Platinum HMO.
View a comparison of the Hawaii medical plans. For more details about each plan, click on the dropdowns below.
HMSA CompMed PPO Direct Link
With the HMSA CompMed PPO Plan, you can see both in-network and out-of-network doctors without a referral, but keep in mind staying in-network for care will almost always be less expensive.
Save money by using HMSA in-network providers
PPO network providers are doctors, hospitals, pharmacies, labs, etc. that participate in the HMSA network and have agreed to provide services at pre-negotiated reduced rates. When you use a PPO network provider the plan pays a higher percentage of the covered charge, claims are filed for you by your provider and you save yourself and Petco money
Kaiser KP Platinum HMO Plan Direct Link
You can select this plan if you live in a Kaiser Permanente service area in Hawaii. This plan exclusively covers you when you use Kaiser Permanente doctors and facilities. Except in the case of an emergency, you’ll pay the full price for care you receive from a non-Kaiser doctor or facility.
How to Find a Network Provider Direct Link
UMR-United Healthcare members can get assistance with finding an in-network provider by calling MyQHealth at 877-324-3536.
Kaiser members can explore doctors and facilities near their home by going to KP.org.
HMSA CompMed PPO member – for benefit questions or to find a medical provider visit: https://www.hmsa.com or call 800-776-4672.
Medical ID Cards Direct Link
You’ll receive a member ID card at your home address about 7-10 days after completing your initial benefits enrollment.
UMR-United Healthcare participants can access a digital ID card by downloading the MyQHealth app, calling a MyQHealth Care Coordinator at 877-324-3536 or visiting www.MyPetcoBenefitsCoordinator.com.
- For more information on how to read your ID card, click here.
Kaiser members can access their digital ID by creating a profile on KP.org or calling Kaiser customer care.
Plan Benefit Premiums Direct Link
Partner benefit rates for the 2024 plan year are available below:
Partner benefit rates for all 2024 plans are available on the benefits enrollment portal.
Alternative Medical Coverage Options Direct Link
Health Insurance Exchange – www.Healthcare.gov
The government-run Health Insurance Exchanges allow shoppers to compare a set of health insurance plans side-by-side based on price, benefits, quality, and other features. Those without access to affordable health coverage through their employer that meet certain minimum coverage, affordability and value standards may qualify for a subsidy or tax credit to help lower their premiums through the Health Insurance Exchange in their state.
Since Petco offers health coverage that meets the required standards of coverage, affordability and value, you will NOT be eligible for government subsidies if you purchase coverage in the Health Insurance Exchange in your state.
Visit www.HealthCare.gov for more information on Health Insurance Exchanges in your state.
No Surprises Act – Machine Readable Files Direct Link
UnitedHealthcare transparency site: https://transparency-in-coverage.uhc.com/