Benefits

Medical Coverage

Through a benefits marketplace, you can choose from five different levels of coverage, and you can also choose from a variety of insurance carriers. As you enroll, use the Help Me Choose tool to find what works best you and your family.

You can enroll as a new hire, during Annual Enrollment, or within 30 days of a qualified life event such as marriage or the birth of a child. You can enroll your spouse/domestic partner and dependent children too.

The Basics

The Coverage Levels

You can choose from five different levels of coverage:

  • Bronze—HDHP + HSA
  • Bronze Plus—HDHP + HSA
  • Silver—HDHP + HSA
  • Gold—PPO
  • Platinum—PPO with limited out-of-network benefits*

In California, options may vary by carrier. See the Enrollment Guide for details.

*In certain states, some carriers instead offer an HMO with in-network coverage only.

The Carriers

You can choose from these national insurance carriers (available in most states/locations):

  • Aetna
  • Anthem
  • Cigna
  • UnitedHealthcare

You might also have regional carrier options in addition to the national plans, depending on where you live.

What's Covered

All of the coverage levels provide 100% coverage for in-network preventive care.

They also provide coverage for prescription drugs, outpatient surgery, hospitalizations, mental health care, and more.

What sets them apart is how they provide coverage and how much you pay when you receive care and how much you pay through paycheck contributions.

Your Network Choices

In the Bronze, Bronze Plus, Silver, and Gold coverage levels, the national carriers—Aetna, Anthem, Cigna, and UnitedHealthcare—let you see in-network or out-of-network providers.

In the Platinum coverage level, the carriers offer limited out-of-network coverage and some offer no out-of-network coverage depending on your state (CA, CO, DC, GA, MD, OR, VA, WA).

For the most part, the regional carriers provide in-network coverage only.

TRANSITION OF CARE: If you or a family member is being treated for a medical condition and your current provider is not in the new carrier network, you may be able to temporarily continue care with your current provider for a period of time. For information about transition of care, check with the carriers you’re considering.

What You Pay for Care

Your Deductible
--
--
Your Out-of-Pocket Maxiumum
--
--
HSA-eligible
100% preventive care
Prescription drugs
Your Office Visit Coinsurance/Copay
--
--

BEST FOR:

Click Here

Silver

Multiple Carriers
Your office visit coinsurance/copay
25%
25%
Your deductible
(individual / family)
$1,700
$3,400
Your out-of-pocket maximum
(individual / family)
$ 4,250
$8,500
Preventive care
Covered 100%, no deductible
--
Doctor’s office visit
You pay 25% after deductible
--
Emergency room
You pay 25% after deductible
--
Urgent care
You pay 25% after deductible
--
Inpatient care
You pay 25% after deductible
--
Outpatient care
You pay 25% after deductible
--
HSA-eligible
100% preventive care
Prescription drugs

BEST FOR

People who want an HSA but don’t want a very high deductible
Learn more
Your Deductible
--
--
Your Out-of-Pocket Maxiumum
--
--
HSA-eligible
100% preventive care
Prescription drugs
Your Office Visit Coinsurance/Copay
--
--

BEST FOR:

Click Here

Gold*

Multiple Carriers
Your office visit coinsurance/copay
$25 PCP/$40 specialist
$25 PCP/$40 specialist
Your deductible
(individual / family)
$800
$1,600
Your out-of-pocket maximum
(individual / family)
$3,600
$7,200
Preventive care
Covered 100%, no deductible
--
Doctor’s office visit
You pay $25 for PCP visit and $40 for specialist visit, no deductible
--
Emergency room
You pay $150, then 20% after deductible
--
Urgent care
You pay $40
--
Inpatient care
You pay 20% after deductible
--
Outpatient care
If not an office visit, you pay 20% after deductible
--
HSA-eligible
100% preventive care
Prescription drugs

BEST FOR

People who don’t want an HSA and are comfortable satisfying a deductible before paying coinsurance/ copays
Learn more
Your Deductible
--
--
Your Out-of-Pocket Maxiumum
--
--
HSA-eligible
100% preventive care
Prescription drugs
Your Office Visit Coinsurance/Copay
--
--

BEST FOR:

Click Here

Platinum

Multiple Carriers
Your office visit coinsurance/copay
$25PCP/$40 specialist
$25PCP/$40 specialist
Your deductible
(individual / family)
NA
NA
Your out-of-pocket maximum
(individual / family)
$1,600
$3,200
Preventive care
Covered 100%
--
Doctor’s office visit
You pay $25 for PCP visit and $40 for specialist visit
--
Emergency room
You pay $200
--
Urgent care
You pay $25
--
Inpatient care
You pay $350
--
Outpatient care
If not an office visit, covered 100%
--
HSA-eligible
100% preventive care
Prescription drugs

BEST FOR

People who do not want an annual deductible or HSA and are comfortable with limited or no out-of-network coverage
Learn more
Your Deductible
--
--
Your Out-of-Pocket Maxiumum
--
--
HSA-eligible
100% preventive care
Prescription drugs
Your Office Visit Coinsurance/Copay
--
--

BEST FOR:

Click Here

Bronze

Multiple Carriers
Your office visit coinsurance/copay
25%
25%
Your deductible
(individual / family)
$3,400
$6,800
Your out-of-pocket maximum
(individual / family)
$6,400
$12,800
Preventive care
Covered 100%, no deductible
--
Doctor’s office visit
You pay 25% after deductible
--
Emergency room
You pay 25% after deductible
--
Urgent care
You pay 25% after deductible
--
Inpatient care
You pay 25% after deductible
--
Outpatient care
You pay 25% after deductible
--
HSA-eligible
100% preventive care
Prescription drugs

BEST FOR

People who want an HSA and are comfortable with a high deductible
Learn more
Your Deductible
--
--
Your Out-of-Pocket Maxiumum
--
--
HSA-eligible
100% preventive care
Prescription drugs
Your Office Visit Coinsurance/Copay
--
--

BEST FOR:

Click Here

Bronze Plus

Multiple Carriers
Your office visit coinsurance/copay
25%
25%
Your deductible
(individual / family)
$2,500
$5,000
Your out-of-pocket maximum
(individual / family)
$ 4,500
$9,000
Preventive care
Covered 100%, no deductible
--
Doctor’s office visit
You pay 25% after deductible
--
Emergency room
You pay 25% after deductible
--
Urgent care
You pay 25% after deductible
--
Inpatient care
You pay 25% after deductible
--
Outpatient care
You pay 25% after deductible
--
HSA-eligible
100% preventive care
Prescription drugs

BEST FOR

People who want an HSA and a lower deductible than Bronze
Learn more

*If you live in California, some carriers offer an alternative Gold plan (Gold II). See the Enrollment Guide for details.

This chart provides an overview of in-network standardized plan benefits across the Aon Benefits Experience. Individual carriers may offer coverage that differs slightly from what is shown here. You can find specific coverage details by carrier and the Summaries of Benefits and Coverage when you enroll through the Primo Brands Benefits Service Center website or app. If you have questions about any specific type of coverage, contact the insurance carrier for the most accurate and detailed information.

Your Paycheck Costs

Your paycheck contributions are pre-tax except for domestic partner contributions, which are post-tax. The amount depends on the coverage level and carrier you select, who you include in your coverage, and your home ZIP code. You can see your specific costs when you enroll.

Your Prescription Drugs

If your medical coverage is through Aetna, Anthem, Cigna, or UnitedHealthcare, you receive prescription drug coverage through CVS Caremark. All other carriers manage their own prescription drug coverage. See the Enrollment Guide for coverage details.

If you or a family member have prescription drugs that you take on a regular basis, see the Enrollment FAQs for tips on what to do to confirm your coverage under your plan.

Plan Extras

Each of the plans include “extra” services to help you and your family be well, including virtual care, gym discounts, support to help quit tobacco products, wellbeing programs to help you build healthy habits, support for diabetes, heart health, weight, hypertension, mental health, and more. See the Medical Plan Extras page for details.

Get in Touch

Multiple Carriers

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This site serves as a Summary of Material Modifications (SMM), providing information on various Primo Brands benefit plan changes that take effect January 1, 2026. It is intended to provide an overview of changes and information about some of the benefits you may be eligible for through Primo Brands. If there is a discrepancy between the information displayed and the official plan documents, the official plan documents will govern. Information contained herein is not intended as legal, tax or other professional advice. You should not act upon any such information without first seeking a qualified professional on your specific matter. Terms and conditions of policies may change. Please consult policy documents to confirm availability of benefits. All product and company names are trademarks™ or registered® trademarks of their respective owners. Use of them does not imply any affiliation with or endorsement by them.
 
Benefits may vary for union groups. If you are a union associate, see your Collective Bargaining Agreement for details about your benefits.