Medical and Prescription Drug Benefits

Medical Plans Designed to Treat You Right

Our two options — the eBay PPO and the eBay PPO with HSA — offer the same great coverage, provide in-network preventive care at no cost to you, use the Blue Shield network of providers, and pay the highest benefit when you stay in-network. Collective Health is the medical plan administrator for these options and also provides member advocacy.

If you live in California or Utah, an HMO medical plan option is available to you too.

While the two PPO options have many similarities, there are important differences. The table below will help you compare these plans.

Collective Health is your single point of contact that gives you the health care expertise — and experience — you deserve. They administer the eBay PPO, eBay PPO with HSA, dental and vision plans. They also provide member advocacy — for all employees and all of eBay’s health programs. Member advocates can answer questions and connect you to programs that meet your unique needs, including mental health support, health coaching, expert medical advice and more.

1-844-857-6080
Monday through Friday from 6 a.m. to 6 p.m. Pacific time.

join.collectivehealth.com/ebay
Live chat is available.

Enrolled in an HMO?

If you enroll in an HMO, you can rely on Kaiser (in California) or SelectHealth (in Utah) for service and resources.

The eBay PPO and eBay PPO with HSA are available to all eligible eBay employees. In some locations, an HMO also may be available to you.

The Collective Health website makes it easy to review and compare your plan options.

For a quick snapshot, check out these key features of each plan.

Collective Health PPO Plans (Blue Shield network of providers)

Your Share of the Cost

  eBay PPO eBay PPO with HSA
 

In-network

Out-of-network1

In-network

Out-of-network1

Annual deductible

Individual

Family

$300

$900

$500

$1,500

$1,350

$2,700

$2,100

$4,200

Out-of-pocket maximum
(includes medical and prescription drugs)

Individual

Family

$2,300

$4,900

$3,500

$7,500

$3,000

$6,000

$4,500

$9,000

Your coinsurance amount

10%2

30%2

10%2

30%2

Hospital — inpatient

10%2

30%2

10%2

30%2

Emergency room3
(copay waived if admitted)

No copay; 10%2
(for both in- and out-of-network coverage)

10%2
(for both in- and out-of-network coverage)

Urgent care

$35 copay

30%2

10%2

30%2

Doctor office visits

$20 copay

30%2

10%2

30%2

Specialist office visits

$35 copay

30%2

10%2

30%2

Diagnostic X-ray/lab

10%2

30%2

10%2

30%2

1If you use an out-of-network provider, you will be responsible for any billed charges that exceed Collective Health’s payment rates.
2Deductible applies.
3If services are not a true emergency, applicable hospital benefits apply based on the provider's network status.

HMO Plans (California and Utah)

Your Share of the Cost

  Kaiser HMO (CA) SelectHealth (UT)
 

Kaiser facilities and providers only

SelectHealth providers only

Annual deductible

Individual

Family

None

None

$150

$300

Out-of-pocket maximum

Individual

Family

$1,5001

$3,0001

$1,5002

$3,0002

Doctor office visits

Primary

Specialist

$20 copay

$35 copay

$20 copay

$35 copay

Hospital — inpatient

$250 copay

$250 copay

Emergency room3
(copay waived if admitted)

$100 copay

$100 copay

Primary doctor office visits

$20 copay

$20 copay

Specialist office visits

$35 copay

$35 copay

Annual physical exams

$0

$0

1Includes office visit and prescription copays.
2Includes office visit copays.
3If services are not a true emergency, applicable hospital benefits apply based on the provider's network status.

All medical plans offer comprehensive coverage and provide in-network preventive care at no cost to you, but there are some important differences. Here are some things to think about as you're deciding on the plan for you.

  • How much health care do you think you'll need? How much did you use last year? Do you have a surgery planned? Having a baby?
  • Can you afford the plan's deductible? The deductible is the amount you have to pay out of your own pocket before the plan starts paying its share.
  • Did you meet your deductible last year? If you didn't, you may be paying for coverage you don't use.
  • How does the plan share costs with you? Would you pay a percentage (coinsurance) of the cost or a flat amount (copay)? How much could you have to pay in one year (out-of-pocket maximum)?
  • Do you want the flexibility to see any health care provider you choose? Remember that HMOs cover out-of-network care only in cases of emergency.
  • How much will the plan cost each pay period? See your employee contributions.

Collective Health PPO Plans

In-network claims
Your in-network doctor will file your claim for you.

Out-of-network claims
Contact your Collective Health Member Advocate at 1-844-857-6080, Monday through Friday between 6 a.m. and 6 p.m. Pacific time.

You can also submit an out-of-network claim using the Collective Health mobile app. Go to the “activity” section (see the bottom menu) and press the “document” icon (upper right-hand corner). Then, follow the instructions.

HMO Plans

If you’re enrolled in an HMO, contact your HMO. If you don’t know your HMO plan, contact the team at 1-877-322-9236.

The HSA is a tax-advantaged account available to those who enroll in the eBay PPO with HSA. It helps you meet that plan’s higher deductible by giving you a way to pay for qualified medical expenses, including deductibles and copays, using pre-tax money.

Get more details about HSA features.

Available to eBay PPO and PPO with HSA plan participants.

Forget the waiting room! Heal doctors will come to you at your home, office or hotel. Check out heal.com to see if they are available in your neighborhood.

All Heal doctors are in the Blue Shield of California network. They have gone through background checks and are licensed in primary, internal and pediatric medicine.

How to Schedule

Heal doctors are available 8 a.m. to 8 p.m. daily. To schedule an appointment:

  • Call Heal at 1-844-644-4325.
  • Visit Getheal.
  • Use the Heal app on your iPhone® or Android™ smartphone.

What It Costs

There are no surprises. Heal tells you how much a visit will cost before you book your appointment.

For most services, the cost to see a doctor is the same as your plan’s copay. For preventive care covered under your plan, you pay nothing! For those in the eBay PPO with HSA, you’ll need to pay for the full costs of the service until you meet your deductible, then the plan begins covering benefits at 90%.

Services Provided

Heal doctors provide primary, urgent and preventive care services, including:

  • High-quality primary care
  • Efficient urgent care
  • Preventive care and annual physicals
  • Point-of-care testing for blood, strep, urine, etc.
  • Flu shots and screenings

This coverage can help you afford the medicine prescribed to you. The eBay PPO and eBay PPO with HSA plans are covered by Express Scripts nationwide. Each HMO manages its own prescription drugs, using its own network pharmacies only.

A Quick Look at Plan Details

Retail prescriptions are for up to a 30-day supply of medication. If you're on a maintenance medication for an extended period (for example, for high blood pressure), you should consider the mail-order option. Contact your medical plan for more details.

Your Cost for a 30-Day Supply

 

eBay PPO

eBay PPO with HSA1

Kaiser HMO (CA)

SelectHealth (UT)

Retail generic
In-network
Out-of-network

 

$10
$10 + 50%

After deductible:
10%
30%

 

$10
N/A

 

$10
N/A

Brand formulary
In-network
Out-of-network

 

$25
$25 + 50%

After deductible:
10%
30%

 

$25
N/A

 

$25
N/A

Brand non-formulary
In-network
Out-of-network

 

 

$35
$35 + 50%

 

After deductible:
10%
30%

 

 

$25 if approved by PCP
N/A

 

 

$35
N/A

Chronic condition medications (in-network only)

$0

$0

$0

$0

Out-of-pocket maximum

After you reach the out-of-pocket maximum, plan pays 100% of eligible expenses for remainder of the plan year. As shown below, prescription out-of-pocket maximums are included in the medical out-of-pocket maximum.

 

Included in medical

Included in medical

Included in medical

Included in medical

1Under the eBay PPO with HSA, deductibles and coinsurance apply. After you meet your deductible, the maximum amount you will pay per prescription is $150.

All employees covered under an eBay medical plan receive in-network maintenance drugs at no cost to help manage these chronic medical conditions:

  • Diabetes
  • High blood pressure
  • High cholesterol

All medical plans offered by eBay also provide coverage at no cost for certain preventive anti-cancer medications for women over age 35 with increased risk of breast cancer. Annual screenings for certain individuals at risk for lung cancer, including CT scans of the thorax, are also 100% covered.

NimbleRx makes getting your prescriptions even easier — delivered to your home or office. If you’re in the eBay PPO or eBay PPO with HSA, you can use NimbleRx for your pharmacy needs and it will not cost you more. You will still be required to pay the necessary copay or deductible.

What is NimbleRx? Just like your local retail pharmacy, they are a licensed pharmacy equipped to handle your Rx needs. They are in-network with our insurance (eBay PPO and eBay PPO with HSA). They provide same-day delivery to the address of your choice (in the Bay Area) at no extra cost to you or to your eBay office.

Check out NimbleRx to see if they are available in your neighborhood.