Medical/Rx
Cintas offers multiple medical plans that provide you with choices to help meet your health care needs. All plans include prescription drug coverage.
Similarities Between the Medical Plans
All Cintas Medical Plan options provide the same quality medical coverage, which includes:
- 100% coverage for preventive care (annual physicals, screenings and immunizations)
- An out-of-pocket maximum to protect you by limiting the amount you have to pay out-of-pocket during a single year
- Provider choice — you can choose from in-network and out-of-network providers but you’ll save the most when you choose in-network providers
Differences Between the Medical Plans
The main differences between the plans have to do with how much you pay in premiums and how out-of-pocket expenses work when you need care.
- In general, the lower your premiums are, the higher your out-of-pocket expenses will be and vice versa.
- With the copay only plan option, you pay copays rather than having a deductible and coinsurance. This makes it easier to understand what you’ll pay for services before you receive care. Your costs will vary based on the providers you choose. When you receive care from an Anthem Diamond provider, your out-of-pocket costs will be lower.
- With the PPO plans, you have copays for services like doctor office visits and prescription drugs but pay coinsurance for other things.
- With the high-deductible health plans, you must pay the full cost of healthcare services until you reach your deductible, including the cost of prescription drugs, and then pay coinsurance.
Another key difference to consider is which savings account you can use with your medical plan.
- The copay only option and PPO plans can be paired with the Health Care Flexible Spending Account (HCFSA).
- The high-deductible plans can be paired with the Health Savings Account (HSA).
Differences Between the Medical Plans
The main differences between the plans have to do with how much you pay in premiums and how out-of-pocket expenses work when you need care.
- In general, the lower your premiums are, the higher your out-of-pocket expenses will be and vice versa.
- With the copay only plan option, you pay copays rather than having a deductible and coinsurance. This makes it easier to understand what you’ll pay for services before you receive care. Your costs will vary based on the providers you choose. When you receive care from an Anthem Diamond provider, your out-of-pocket costs will be lower.
- With the PPO plans, you have copays for services like doctor office visits and prescription drugs but pay coinsurance for other things.
- With the high-deductible health plans, you must pay the full cost of healthcare services until you reach your deductible, including the cost of prescription drugs, and then pay coinsurance.
Another key difference to consider is which savings account you can use with your medical plan.
- The copay only option and PPO plans can be paired with the Health Care Flexible Spending Account (HCFSA).
- The high-deductible plans can be paired with the Health Savings Account (HSA).
Prescription Drug Coverage
- Level 1 includes preferred pharmacies that offer the lowest out-of-pocket costs for covered prescriptions. More than 20,000 Level 1 locations participate nationwide, including CVS, Walmart and Kroger.
- Level 2 includes more than 47,000 in-network locations, including Walgreens, Rite Aid, Costco and Meijer. While this level provides access to additional pharmacy locations, you’ll generally pay more than you would at a Level 1 pharmacy.
Anthem’s CarelonRx Mail Order Pharmacy is included in Level 1, allowing you to receive eligible prescriptions at the lowest cost with free standard home delivery.
The amount you pay for prescription drugs in-network will depend on:
- Which Medical Plan option you enroll in
- Where you have your prescriptions filled (you must use a Level 1 or Level 2 Pharmacy for your prescription to be covered)
- What type of medication is filled (generic, formulary, non-formulary or specialty)
- Whether your prescription is filled as a 30-day retail supply or a 90-day mail supply
Review detailed comparison of in-network costs.
Important notes about prescription drug coverage
- If you take ongoing maintenance medications, you’ll be required to get 90-day supplies after two 30-day fills of your prescription. You must get your 90-day supply filled at a local CVS retail pharmacy OR Anthem’s CarelonRx Mail Order Pharmacy. Anthem’s CarelonRx Mail Order Pharmacy is included in Level 1 and will deliver right to your door with free standard shipping.
- If you have a complex health condition and need specialty drugs, you’ll be required to fill them through BioPlus Specialty Pharmacy. With the CarelonRx’s Cost Relief program, partners enrolled in a PPO option can receive copay or coinsurance assistance.
- Starting in 2027, prescription drug coverage will use the Essential Drug List, a list of medications selected because they are safe, effective, and offer strong value. The list includes generic drugs and lower-cost alternatives that treat the same condition. As a result, some medications covered today may no longer be covered or may have a preferred alternative. If you’re affected, you’ll receive a letter explaining your options and alternative medications to discuss with your doctor.
Manage Your Prescriptions
Log on to anthem.com or the SydneySM Health mobile app, and choose Manage Prescriptions.
- On the Pharmacy page, choose Find a Pharmacy.
- Enter your ZIP code and how far you want to search to find pharmacies near you
Prescription Drug Coverage
- Level 1 includes preferred pharmacies that offer the lowest out-of-pocket costs for covered prescriptions. More than 20,000 Level 1 locations participate nationwide, including CVS, Walmart and Kroger.
- Level 2 includes more than 47,000 in-network locations, including Walgreens, Rite Aid, Costco and Meijer. While this level provides access to additional pharmacy locations, you’ll generally pay more than you would at a Level 1 pharmacy.
Anthem’s CarelonRx Mail Order Pharmacy is included in Level 1, allowing you to receive eligible prescriptions at the lowest cost with free standard home delivery.
The amount you pay for prescription drugs in-network will depend on:
- Which Medical Plan option you enroll in
- Where you have your prescriptions filled (you must use a Level 1 or Level 2 Pharmacy for your prescription to be covered)
- What type of medication is filled (generic, formulary, non-formulary or specialty)
- Whether your prescription is filled as a 30-day retail supply or a 90-day mail supply
Review detailed comparison of in-network costs.
Important notes about prescription drug coverage
- If you take ongoing maintenance medications, you’ll be required to get 90-day supplies after two 30-day fills of your prescription. You must get your 90-day supply filled at a local CVS retail pharmacy OR Anthem’s CarelonRx Mail Order Pharmacy. Anthem’s CarelonRx Mail Order Pharmacy is included in Level 1 and will deliver right to your door with free standard shipping.
- If you have a complex health condition and need specialty drugs, you’ll be required to fill them through BioPlus Specialty Pharmacy. With the CarelonRx’s Cost Relief program, partners enrolled in a PPO option can receive copay or coinsurance assistance.
- Starting in 2027, prescription drug coverage will use the Essential Drug List, a list of medications selected because they are safe, effective, and offer strong value. The list includes generic drugs and lower-cost alternatives that treat the same condition. As a result, some medications covered today may no longer be covered or may have a preferred alternative. If you’re affected, you’ll receive a letter explaining your options and alternative medications to discuss with your doctor.
Manage Your Prescriptions
Log on to anthem.com or the SydneySM Health mobile app, and choose Manage Prescriptions.
- On the Pharmacy page, choose Find a Pharmacy.
- Enter your ZIP code and how far you want to search to find pharmacies near you
2027 Medical Premiums with Premium Discount for Full-Time Partners
You will save up to $30 per week on your Medical Plan premiums if you and your spouse both completed the Biometric Screening AND Health Assessment by August 28, 2026. This chart details the 2027 weekly medical payroll deductions for partners and eligible spouses who earned the full premium discount. Note: If you were hired on or after July 18, 2026, or you added your spouse on your coverage on or after July 18, 2026, you will automatically get this LiveWell premium discount for 2026.
| Â | PREMIUM PPO* | CLEAR CHOICE | BASIC PPO | CORE CHOICE | CORE VALUE | ESSENTIAL |
|---|---|---|---|---|---|---|
| Partner only | $41.25 | $28.20 | $27.25 | $18.35 | $8.10 | $0.00 |
| Partner + Spouse | $103.65 | $78.45 | $74.10 | $55.85 | $27.45 | $12.65 |
| Partner + Child(ren) | $86.65 | $61.15 | $59.10 | $43.05 | $16.85 | $7.55 |
| Partner + Family | $148.95 | $110.20 | $105.90 | $80.55 | $36.20 | $20.20 |
*The Premium PPO Plan is only available to partners who were benefits-eligible before January 1, 2012 or are grandfathered into the Plan.
2027 Medical Premiums without Premium Discount for Full-Time Partners
This chart details the 2027 weekly payroll deductions for partners and eligible spouses who are not receiving the premium discount.
| Â | PREMIUM PPO* | CLEAR CHOICE | BASIC PPO | CORE CHOICE | CORE VALUE | ESSENTIAL |
|---|---|---|---|---|---|---|
| Partner only | $56.25 | $43.20 | $40.25 | $33.35 | $23.10 | $15.00 |
| Partner + Spouse | $133.65 | $108.45 | $104.10 | $85.85 | $57.45 | $42.65 |
| Partner + Child(ren) | $101.65 | $76.15 | $74.10 | $58.05 | $31.85 | $22.55 |
| Partner + Family | $178.95 | $140.20 | $135.90 | $110.55 | $66.20 | $50.20 |
*The Premium PPO Plan is only available to partners who were benefits-eligible before January 1, 2012 or are grandfathered into the Plan.
Tobacco or Smoker Surcharge
If you or your spouse are a smoker or tobacco-user, which means that on average (in the last six months) you smoke or use tobacco more than once weekly, you will pay a surcharge of $15 per week per smoker/tobacco-user (e.g., if you and your spouse both smoke/use tobacco, you will pay a surcharge of $30 per week). Tobacco and smoking products include, but are not limited to, cigarettes, cigars, pipes, electronic devices (such as e-cigarettes, vape pens, tanks, juuls), snuff, chew, snus and dissolvables (such as orbs, sticks, strips, lozenges, tablets). Cintas offers the Quit For Life® Tobacco Cessation Program to help you quit and remove the tobacco surcharge. Call 866.QUIT.4.LIFE (866.784.8454) or visit quitnow.net/cintas.
Coverage for Working Spouses
For partners hired on or after October 19, 2026:
If your working spouse has access to medical coverage through their own employer, they will not be eligible for coverage under the Cintas Medical Plan, regardless of whether they enroll in their employer’s plan.
Your spouse is eligible for coverage under the Cintas Medical Plan if they:
- Are not eligible for medical coverage through their own employer
- Do not work
- Are self-employed and do not have access to medical coverage
- Are retired
- Are also a Cintas partner
- Are eligible for Medicare or Medicaid
Note: These eligibility requirements apply to medical coverage only. Spouses are eligible for Dental and Vision coverage through Cintas, regardless of whether they have access to coverage through their own employer.
For partners hired before October 19, 2026:
If you currently cover your working spouse or enroll your working spouse during Annual Open Enrollment for coverage effective January 1, 2027, your working spouse may continue to be covered under the Cintas Medical Plan as long as they remain eligible. However, if your working spouse has access to medical coverage through their own employer, the working spouse surcharge will be $35 per pay period in 2027. You do not pay the spousal surcharge if your spouse is not eligible for medical coverage through another employer or is a Cintas partner.
Important: Annual Open Enrollment for 2027 is the last opportunity for partners hired before October 19, 2026, to newly enroll an eligible working spouse who has access to coverage through their own employer. After this enrollment period, working spouses with access to employer-sponsored medical coverage will not be eligible to enroll in the future. Keep in mind that if you have a working spouse covered in 2027 and remove your spouse from medical coverage or remove the spousal surcharge, your working spouse will not be eligible to re-enroll in Cintas medical coverage in the future if they are eligible for coverage through their own employer.
