Business Travel Accident Insurance

Company-provided coverage.

You automatically receive Business Travel Accident (BTA) Insurance coverage equal to four times your annual base pay (up to $3 million), at no cost to you.

You designate your beneficiaries for BTA Insurance coverage on MyBenefits Online.

Looking for more details?

You can access more detailed coverage information (posted in the Reference Center) on MyBenefits Online.

	2025	NEW for 2026
When the Medical Plan Begins to Pay:	$500 Deductible: Immediately $2,000 and $3,500 Deductible: After you satisfy your deductible	All Coverage Options: After you satisfy your deductible
Retail Pharmacy (up to a 30-day supply)
Non-Preventive Drugs	You Pay	You Pay
Generic Drugs	$10 copay	$15 copay
Preferred Brand Drugs	30% (after $25 min/$75 max copay)	30% (after $35 min/$85 max copay)
Non-Preferred Brand Drugs	40% (after $50 min/$100 max copay)	40% (after $60 min/$110 max copay)
Mail Order or CVS Retail Pharmacy (up to a 90-day supply)
Non-Preventive Drugs	You Pay	You Pay
Generic Drugs	$25 copay	$37.50 copay
Preferred Brand Drugs	30% (after $62.50 min/$187.50 max copay)	30% (after $87.50 min/$212.50 max copay)
Non-Preferred Brand Drugs	40% (after $125 min/$250 max copay)	40% (after $150 min/$275 max copay)
Note: Out-of-network prescription drug services aren’t covered

	2025		NEW for 2026
Out-of-Pocket Maximums*	$500 Deductible Option		$750 Deductible Option
Out-of-Pocket Maximums*	In-Network	Out-of-Network	In-Network	Out-of-Network
Individual	$3,000	$6,000	$3,250	$6,500
Family	$6,000	$12,000	$6,500	$13,000
* Includes deductible

	2025		NEW for 2026
Out-of-Pocket Maximums*	$2,000 Deductible Option		$2,250 Deductible Option
Out-of-Pocket Maximums*	In-Network	Out-of-Network	In-Network	Out-of-Network
Individual	$4,000	$8,000	$4,250	$8,500
Family	$8,000	$16,000	$8,500	$17,000
* Includes deductible

	2025		SAME for 2026
Out-of-Pocket Maximums*	$3,500 Deductible Option		$3,500 Deductible Option
Out-of-Pocket Maximums*	In-Network	Out-of-Network	In-Network	Out-of-Network
Individual	$7,000	$14,000	$7,000	$14,000
Family	$14,000	$28,000	$14,000	$28,000
* Includes deductible

	2025		NEW for 2026
Deductibles	$500 Deductible Option		$750 Deductible Option
Deductibles	In-Network	Out-of-Network	In-Network	Out-of-Network
Individual	$500	$1,000	$750	$1,500
Family	$1,000	$2,000	$1,500	$3,000

Business Travel Accident Insurance

Company-provided coverage.

Looking for more details?

SNAPSHOT - HOW PRESCRIPTION DRUG COPAYS AND MIN/MAX COINSURANCE LIMITS WILL CHANGE

SNAPSHOT – HOW OUT-OF-POCKET MAXIMUMS WILL CHANGE

SNAPSHOT – HOW DEDUCTIBLES WILL CHANGE