2024 Benefits
Few things are as important as managing your health and having access to high-quality health care. Gates offers three optional medical plans through UnitedHealthcare's Choice Plus Network. The CDHP 1, CDHP 2, and PPO plan cover the same services and provide comprehensive coverage to protect your health.
If you are traveling outside of the U.S. for work and are injured or need medical assistance, please review the Business Travel Accident information found here.
Your comprehensive enrollment guide and information can be found in the documents section below. Detailed provider information and forms are listed on this page under each applicable section.
UnitedHealthcare - Medical Coverage
Gates offers three medical plan options in 2024 - the CDHP 1, CDHP 2, and PPO - through UnitedHealthcare.
Please review the 2024 Benefits Enrollment Guide for additional plan details.
Important Links
MetLife - Dental Coverage
Dental health is an important part of your overall health. Gates offers a base dental plan (Dental Plan 1) and a second buy-up plan (Dental Plan 2) with a higher annual maximum, administered by Metlife, so you can get the dental care you and your family need. The Dental PPD Plans provide access to a large network of dentists. As with the medical plans, you can save money by using network providers.
VSP - Vision Coverage
Regular eye exams are an important part of overall health. Gates provides optional comprehensive vision coverage through Vision Service Plan (VSP). VSP provides a benefit for exams and materials on a yearly basis. You have the freedom to choose any vision provider, but the plan generally pays better benefits when you receive care from VSP network providers.
OptumRx - Prescription Coverage
If you enroll in a Gates medical plan, you will automatically receive your prescription drug benefits through OptumRx. The pharmacy program includes a number of utilization programs to control quality, safety, and the cost of prescription drugs.
Visit optumrx.com today to begin learning how to manage your prescriptions and find helpful information on how to manage your prescription costs. Contact OptumRx by phone at (844) 720-0029 M-F 8am-8pm CST.
Optum Bank/UHC – HSA and FSA
MetLife - Critical Illness
MetLife Critical Illness Insurance pays you a lump-sum benefit upon diagnosis of any one of the covered critical illnesses. This coverage can complement existing medical coverage and help fill financial gaps caused by out-of-pocket expenses such as mortgage payments, college tuition, hiring household help, or treatment not covered by your medical plan. Benefits are paid regardless of what is covered by medical insurance. Payments are made directly to covered employee to spend as they choose.
MetLife - Accident Insurance
Accident Insurance provides coverage for accidental injuries that occur off the job helping to fill financial gaps caused by out-of-pocket expenses such as deductibles, co-payments, and non-covered medical services. Benefits are paid regardless of what is covered by medical insurance. Payments are made directly to you and you choose how to use the money.
MetLife - Hospital Indemnity
With Metlife's Hospital Indemnity Insurance, you will receive a lump-sum payment to use however you see fit, if you or a loved one becomes
hospitalized. Benefits are paid regardless of what is covered by medical insurance. Payments are made directly to you and you choose how to use the money.
The Hartford - Life and Accidental Death Insurance
To help protect you and your family from the financial challenges that can result from death or serious injury, Gates provides all eligible employees with Basic Life Insurance and Basic Accidental Death and Dismemberment (ADD) insurance. This coverage is provided at no cost to you. You can also purchase supplemental life and ADD insurance for yourself and your dependents.
The Hartford – Disability Coverage
A disabling injury or illness can happen to anyone, and can last days, weeks or months. To provide important financial protection, Gates offers all eligible employees short-term and long-term disability coverage at no cost to you. In addition, you may choose to purchase additional LTD coverage to increase your benefit. During benefits open enrollment, you elect optional buy-up LTD which increases your LTD benefit amount.
Metlife Legal
You may choose to purchase legal advice and services through Metlife Legal Plans. The plan offers access to a national network of over 10,000 professional attorneys. The Plan provides coverage for attorney fees for a wide variety of legal services. For more information visit
www.info.legalplans.com and enter the Gates code
4360010.
Or call the Metlife Client Service Center at 1-800-438-6388.
MetLife - Identity and Fraud Protection
With Metlife and Aura Identity and Fraud Protection, you will have the option to enroll in a robust digital security plan to help protect you and your family from financial and identity fraud. Stay a step ahead of threats with credit monitoring and alerts, optional credit lock and financial account monitoring to help keep your assets safe.