Medical

Good to Know

Your medical plan options depend on where you work. The good news? Lithia & Driveway helps cover the cost. What you pay for medical coverage depends on your monthly premium, the plan’s annual deductible, and any co-pays—all based on the plan you choose and who you cover.

Highlights

Want to get the most out of your plan? Stick with in-network providers or Kaiser doctors—you'll pay less and get more coverage. No matter which plan you choose, you can access some great built-in benefits:

Free preventive care (like flu shots and vaccines) when you go in-network
Prescription drug coverage that helps you save—with lower costs for generics, options for brand-name meds, and convenient mail-order delivery for ongoing prescriptions
Access to telehealth, so you can chat with a doctor from home
Help if you’re trying to quit tobacco
Support during pregnancy
One-on-one health coaching
Wellness programs to help you feel your best

Eligibility

You can enroll yourself and any eligible dependents in medical coverage. FYI: If you add a domestic partner or their child, the cost of their coverage will appear on your paycheck as imputed income—a non-cash benefit that is considered taxable by the IRS. Learn more about eligibility.

Regence BCBS

Want access to a great network of doctors? You can't go wrong with either of the Regence BCBS plans (just a heads-up—they're available everywhere except Hawaii). Check out the plan highlights and rates below to see which one fits your needs.

Regence BCBS HSA-Compatible Plan

Your per-paycheck contributions are the lowest of the Regence BCBS plans
You can go to any provider you like; however, you will benefit from negotiated rates and pay a lower coinsurance when you use Regence in-network providers
For in-network preventive care services: The plan pays 100% (no deductible)
For in-network doctor visits or services: You pay 20% after you meet the $2,500 individual / $5,000 family deductible
For prescription drug costs: You pay 10% after you meet the deductible for medical
Out-of-network services: You pay 60% after you meet the $2,500 individual / $5,000 family deductible

Save Smart

When you enroll in the Regence BCBS HSA-Compatible plan, you’re eligible for a Health Savings Account (HSA). Set aside pre-tax dollars to pay for eligible health care costs, get free money from Lithia & Driveway, and enjoy triple-tax benefits. Not bad, right?

Learn More

What You Pay For In-Network Care

You Pay (After the Deductible, Except as Noted)

Calendar- year Deductible*

Person/Family

$2,500/$5,000

Calendar-Year Out-of-Pocket Maximum*

Person/Family, includes deductible

$6,000/$12,000

Preventive Care

No charge; No deductible

Primary Care Office Visit

20%

Chiropractic/
Acupuncture Care

10 visits per calendar year

20%

Lab/X-Ray

20%

Hospital Inpatient

Ambulatory: 20%
Surgical Center 10%

Urgent Care

20%

Outpatient Emergency Room (ER)

20%

*Small print, but important: The full family deductible must be met before the plan starts covering anyone’s care. So, even if one person hits what would be an individual deductible, the plan won’t kick in until the total family amount is met. Same with the out-of-pocket maximum—the plan doesn’t start covering 100% of eligible costs until your family hits the total out-of-pocket maximum.

Prescription Drug Coverage

You Pay (After the Deductible)

Tier 1: Generic

10%

Tier 2: Non-Preferred Generic

10%

Tier 3: Preferred Brand Name

10%

Tier 4: Non-Preferred Brand Name

10%

Tier 5: Preferred Specialty

10%

Tier 6: Non-Preferred Specialty

10%

Mail Order

10%

Monthly Plan Rates

The following are 2025 monthly medical rates that are deducted on a pre-tax basis from your pay.
‍

You Pay

Employee Only

$40

Employee + Spouse/Domestic Partner

$355

Employee + Child(ren)

$270

Family

$495

Heads up: If you or your spouse/domestic partner use tobacco, there’s a $50 surcharge for each of you. The rates you see don’t include that extra charge.

Regence Health Support

Get extra health support programs at no extra cost—just for being enrolled in a Regence BCBS plan.
‍

Teladoc Health for Diabetes: Help for diabetes with free strips, lancets, a blood glucose meter, and health coaching. Learn more
Teladoc Health for Hypertension: Tools, insights, and expert support to help manage blood pressure, including a mobile app to view and track readings. Learn more

Hinge Health: Virtual physical therapy and one-on-one virtual coaching to reduce chronic back and joint pain. Learn more
Regence Empower: A customized approach to help you improve your well-being and achieve your health goals. You'll get access to a personalized app, self-guided programs, on-demand challenges, and activity-based incentives—plus an online health assessment with tailored recommendations. Learn more

You’ll also have access to special programs designed to support your health, available at a reduced out-of-pocket cost.
‍

MDLIVE: Virtual care from a doctor or counselor available 24/7. Learn more
Boulder Care: Comprehensive online care for substance-use disorder, including opiod and alcohol addiction. Learn more

Find a Doctor

Locate a nearby, in-network doctor online. Go to the Regence Find a Doctor tool and select the National BlueCard PPO network.

Find a Doctor

Regence BCBS PPO Plan

You can go to any provider you like; however, you’ll pay a co-pay for most in-network services, which will save you money
For in-network preventive care services: The plan pays 100% (no co-pay)
For in-network doctor visits: You pay a $25 co-pay (no deductible) and $50 co-pay for specialist visits
For prescription drug costs: You pay a co-pay for generic, brand, specialty, and mail-order drugs
Out-of-network services: You pay 60% after you meet the $3,000 individual / $6,000 family deductible

What You Pay For In-Network Care

You Pay (After the Deductible, Except as Noted)

Annual Deductible

Person/Family

$1,000/$3,000

Out-of-Pocket Maximum

Person/Family, includes deductible

$5,500/$11,000

Preventive Care

No charge; No deductible

Primary Care Office Visit

$25 co-pay; No deductible

Specialist Office Visit

$50 co-pay; No deductible

Lab/X-Ray

First $250 covered, then 30%

Chiropractic/Acupuncture Care

10 visits per calendar year

$25 co-pay; No deductible

Hospital Inpatient

Ambulatory: 30%
Surgical Center 20%

Urgent Care

$25 co-pay; No deductible

Outpatient Emergency Room (ER)

30%

Prescription Drug Coverage

You Pay

Tier 1: Generic

$10

Tier 2: Non-Preferred Generic

$30

Tier 3: Preferred Brand Name

$35

Tier 4: Non-Preferred Brand Name

$70

Tier 5: Preferred Specialty

$150

Tier 6: Non-Preferred Specialty

$300

Mail Order

2 co-pays for a 90-day supply

Monthly Plan Rates

The following are 2025 monthly medical rates that are deducted on a pre-tax basis from your pay.
‍

You Pay

Employee Only

$94

Employee + Spouse/Domestic Partner

$463

Employee + Child(ren)

$344

Family

$660

Heads up: If you or your spouse/domestic partner use tobacco, there’s a $50 surcharge for each of you. The rates you see don’t include that extra charge.

Regence Health Support

Get extra health support programs at no extra cost—just for being enrolled in a Regence BCBS plan.
‍

MDLIVE: Virtual care from a doctor or counselor available 24/7. Learn more

Teladoc Health for Diabetes: Help for diabetes with free strips, lancets, a blood glucose meter, and health coaching. Learn more
Teladoc Health for Hypertension: Tools, insights, and expert support to help manage blood pressure, including a mobile app to view and track readings. Learn more
Hinge Health: Virtual physical therapy and one-on-one virtual coaching to reduce chronic back and joint pain. Learn more
Boulder Care: Comprehensive online care for substance-use disorder, including opioid and alcohol addiction. Learn more
Regence Empower: A customized approach to help you improve your well-being and achieve your health goals. You'll get access to a personalized app, self-guided programs, on-demand challenges, and activity-based incentives—plus an online health assessment with tailored recommendations. Learn more

Find a Doctor

Locate a nearby, in-network doctor online. Go to the Regence Find a Doctor tool and select the National BlueCard PPO network.

Find a Doctor

UPMC

UPMC is a PPO plan available in Pennsylvania and West Virginia only. You can see any doctor you want, but you’ll pay less if you go to doctors and hospitals in the plan’s network. No referrals needed to see specialists—easy and flexible! Check out the plan highlights and rates below.

UPMC PPO Plan

You can go to any provider you like; however, you’ll pay a co-pay for most in-network services, which will save you money
For in-network preventive care services: The plan pays 100% (no co-pay)
For in-network doctor visits: You pay a $25 co-pay (no deductible) and $50 co-pay for specialist visits
For prescription drug costs: You pay a co-pay for generic, brand, specialty, and mail-order drugs
Out-of-network services: You pay 60% after you meet the $3,000 individual / $6,000 family deductible

What You Pay For In-Network Care

You Pay (After the Deductible, Except as Noted)

Annual Deductible

Person/Family

$1,000/$3,000

Out-of-Pocket Maximum

Person/Family, includes deductible

$5,500/$11,000

Preventive Care

No charge; No deductible

Primary Care Office Visit

$25 co-pay; No deductible

Specialist Office Visit

$50 co-pay; No deductible

Chiropractic/
Acupuncture Care

10 visits per calendar year

$25 co-pay; No deductible

Lab/X-Ray

No charge; No deductible

Hospital Inpatient

Ambulatory: 30%
Surgical Center 20%

Urgent Care

$25 co-pay; No deductible

Outpatient Emergency Room (ER)

30%

Prescription Drug Coverage

You Pay (After the Deductible)

Tier 1: Generic

$10

Tier 2: Non-Preferred Generic

$10

Tier 3: Preferred Brand Name

$35

Tier 4: Non-Preferred Brand Name

$70

Tier 5: Preferred Specialty

$150

Tier 6: Non-Preferred Specialty

$150

Mail Order

2 co-pays for a 90-day supply

Monthly Plan Rates

The following are 2025 monthly medical rates that are deducted on a pre-tax basis from your pay.
‍

You Pay

Employee Only

$94

Employee + Spouse/ Domestic Partner

$463

Employee + Child(ren)

$344

Family

$660

Heads up: If you or your spouse/domestic partner use tobacco, there’s a $50 surcharge for each of you. The rates you see don’t include that extra charge.

UPMC Health Support

Get extra health support programs at no extra cost—just for being enrolled in UPMC PPO Plan.

UPMC Health and Wellness: Work with nurses, dietitians, and other professionals to manage your health conditions and make healthy lifestyle changes. You’ll create a customized plan to achieve your health goals and work through challenges.
RxWell mobile app: Digital platform that connects you to a dedicated health coach who can help you reach your goals, personalize action plans, and get answers to questions. Includes a "Ready to Quit" program for tobacco users.

Find a Doctor

Locate a nearby, in-network doctor online. Go to the UPMC Find a Doctor tool.

FInd a Doctor

Kaiser

Kaiser Permanente is an HMO, which means your insurance and care are all part of one system. Your doctor, specialists, lab, and pharmacy work together making it easier to get coordinated, high-quality support. (Just a heads-up—Kaiser is only available in California and Hawaii). Check out the plan highlights and rates below to see which Kaiser option fits your needs. Keep in mind—you’ll need to see Kaiser providers to be covered, except in emergencies.

Kaiser California HMO Plan

Available in most California locations

You must get care from Kaiser’s provider network
For in-network preventive care services: The plan pays 100% (no co-pay or deductible)
For in-network doctor visits: You pay a $30 copay (no deductible) and $50 co-pay for specialist visits
Lab, hospital, and emergency room: You pay 30% after you meet the $1,500 individual / $3,000 family deductible
For prescription drug costs: You pay a co-pay for generic, brand, specialty, and mail-order drugs
Out-of-network services: Not covered, except for emergencies

What You Pay For Care

You Pay (After the Deductible, Except as Noted)

Annual Deductible

Person/Family

$1,500/$3,000

Out-of-Pocket Maximum

Person/Family, includes deductible

$6,000/$12,000

Preventive Care

No charge; No deductible

Primary Care Office Visit

$30 co-pay; No deductible

Specialist Office Visit

$50 co-pay; No deductible

Chiropractic/
Acupuncture Care

Not covered

Lab/X-Ray

30%

Hospital Inpatient

30%

Urgent Care

$30 co-pay; No deductible

Outpatient Emergency Room (ER)

30%

Prescription Drug Coverage

You Pay (After the Deductible)

Tier 1: Generic

$15

Tier 2: Non-Preferred Generic

$50

Tier 3: Preferred Brand Name

$50

Tier 4: Non-Preferred Brand Name

$50

Tier 5: Preferred Specialty

$150

Tier 6: Non-Preferred Specialty

$150

Mail Order

2 co-pays for a 100-day supply

Monthly Plan Rates

The following are 2025 monthly medical rates that are deducted on a pre-tax basis from your pay.
‍

You Pay

Employee Only

$85

Employee + Spouse/Domestic Partner

$692

Employee + Child(ren)

$542

Family

$1,141

Heads up: If you or your spouse/domestic partner use tobacco, there’s a $50 surcharge for each of you. The rates you see don’t include that extra charge.

Kaiser Health Support

Get extra health support programs at no extra cost—just for being enrolled in a Kaiser Plan.

Self-care apps to help you navigate life's challenges and improve your sleep, mood, and relationships
Expert-led classes and programs to help you reach your health goals (in-person, online, over-the-phone, therapy and support sessions, individual counseling sessions)
Wellness coaching for one-on-one support to manage weight, reduce stress, quit tobacco, eat healthier, and increase activity
Healthy lifestyle programs begin with a Total Health Assessment then a personalized action plan to reach your goals
Fitness resources that offer reduced rates to gyms, studios, and online classes, including access to ClassPass, and the Affinity musculoskeletal program

Find a Doctor

Locate a nearby, Kaiser doctor and location online. Go to the Kaiser Find a Doctor tool.

Find a Doctor

Kaiser Hawaii HMO Plan

Available in Hawaii only

You must get care from Kaiser’s provider network
For in-network preventive care services: The plan pays 100% (no co-pay)
For in-network doctor and specialty visits: You pay a $15 co-pay
Lab, hospital, and emergency room: You pay 20%
For prescription drug costs: You pay a co-pay for generic, brand, specialty, and mail-order drugs
Out-of-network services: Not covered, except for emergencies

What You Pay For Care

You Pay

Annual Deductible

Person/Family

None

Out-of-Pocket Maximum

Person/Family, includes deductible

$2,500/$7,500

Preventive Care

No charge

Primary Care Office Visit

$15 co-pay

Specialist Office Visit

$15 co-pay

Chiropractic/
Acupuncture Care

20 visits per calendar year

$20 co-pay

Lab/X-Ray

Basic lab/X-ray: $15 co-pay per day
Specialty lab/X-ray: 20%

Hospital Inpatient

20%

Urgent Care

$15 co-pay

Outpatient Emergency Room (ER)

20%

Prescription Drug Coverage

You Pay

Tier 1: Generic

Tier 2: Non-Preferred Generic

$15

Tier 3: Preferred Brand Name

$50

Tier 4: Non-Preferred Brand Name

N/A

Tier 5: Preferred Specialty

$200

Tier 6: Non-Preferred Specialty

N/A

Mail Order

2 co-pays for a 100-day supply

Monthly Plan Rates

The following are 2025 monthly medical rates that are deducted on a pre-tax basis from your pay.
‍

You Pay

Employee Only

$22

Employee + One

$530

Family

$902

Heads up: If you or your spouse/domestic partner use tobacco, there’s a $50 surcharge for each of you. The rates you see don’t include that extra charge.

Kaiser Health Support

Get extra health support programs at no extra cost—just for being enrolled in a Kaiser Plan.

Self-care apps to help you navigate life's challenges and improve your sleep, mood, and relationships
Expert-led classes and programs to help you reach your health goals (in-person, online, over-the-phone, therapy and support sessions, individual counseling sessions)
Wellness coaching for one-on-one support to manage weight, reduce stress, quit tobacco, eat healthier, and increase activity
Healthy lifestyle programs begin with a Total Health Assessment then a personalized action plan to reach your goals
Fitness resources that offer reduced rates to gyms, studios, and online classes, including access to ClassPass, and the Affinity musculoskeletal program

Find a Doctor

Locate a nearby, Kaiser doctor and location online. Go to the Kaiser Find a Doctor tool.

Find a Doctor

Kaiser Hawaii Added Choice Plan

Available in Hawaii only

Kaiser's Added Choice Plan has three options for receiving care. It includes an "Expanded Network," meaning you can seek care in another state or outside the Kaiser network
‍
- Kaiser Providers: This is your lowest-cost option. You’ll get coordinated care within Kaiser’s system
- Network Providers: You can see doctors and specialists outside Kaiser who are part of a contracted network across Hawaii—no referral needed for most specialists
- Any Licensed Provider: You can go outside the network, but it’ll cost more, and you may need to pay up front and submit claims for reimbursement

For in-network preventive care services: The plan pays 100% (no co-pay or deductible) from Kaiser providers and Expanded Network providers
For in-network doctor and specialty visits: You pay a $20 co-pay for Kaiser providers; 20% after the deductible up to the Maximum Allowable Cost (MAC) for Expanded Network providers
Urgent care and emergency room: Coverage at a Kaiser facility or at a contracted and non-contracted facility
For prescription drug costs: You pay a co-pay for generic, brand, specialty, and mail-order drugs from Kaiser providers; 20% from Expanded Network providers

What You Pay For Care

You Pay

In-Network

Expanded Network

Annual Deductible

Person/ Family

None

$100/$300

Out-of-Pocket Maximum

Person/Family, includes deductible

$2,000/ $6,000

Preventive Care

No charge

No charge up to MAC*

Primary Care Office Visit

$20 co-pay

20% of MAC*

Specialist Office Visit

$20 co-pay

20% of MAC*

Chiropractic/
Acupuncture Care

10 visits per calendar year

$20 co-pay

Lab/X-Ray

$10 co-pay

20% of MAC*

Hospital Inpatient

10%

20% of MAC*

Urgent Care

$20 co-pay

20% co-pay

Outpatient Emergency Room (ER)

$100 co-pay

*Maximum Allowable Cost

Prescription Drug Coverage

You Pay

In-Network

Expanded Network

Tier 1: Generic

20%, Contracted Only

Tier 2: Non-Preferred Generic

$15

20%, Contracted Only

Tier 3: Preferred Brand Name

$50

20%, Contracted Only

Tier 4: Non-Preferred Brand Name

N/A

Tier 5: Preferred Specialty

$200

20%, Contracted Only

Tier 6: Non-Preferred Specialty

N/A

Mail Order

2 co-pays for a 100-day supply

N/A

Monthly Plan Rates

The following are 2025 monthly medical rates that are deducted on a pre-tax basis from your pay.
‍

You Pay

Employee Only

$75

Employee + One

$720

Family

$1,200

Heads up: If you or your spouse/domestic partner use tobacco, there’s a $50 surcharge for each of you. The rates you see don’t include that extra charge.

Kaiser Health Support

Get extra health support programs at no extra cost—just for being enrolled in a Kaiser Plan.

Self-care apps to help you navigate life's challenges and improve your sleep, mood, and relationships
Expert-led classes and programs to help you reach your health goals (in-person, online, over-the-phone, therapy and support sessions, individual counseling sessions)
Wellness coaching for one-on-one support to manage weight, reduce stress, quit tobacco, eat healthier, and increase activity
Healthy lifestyle programs begin with a Total Health Assessment then a personalized action plan to reach your goals
Fitness resources that offer reduced rates to gyms, studios, and online classes, including access to ClassPass, and the Affinity musculoskeletal program

Find a Doctor

Locate a nearby, Kaiser doctor and location online. Go to the Kaiser Find a Doctor tool.

Find a Doctor

Get Extra Support

Lithia & Driveway has your back with comprehensive medical coverage, but some costs can still catch you by surprise. Supplemental health plans, like critical illness, hospital indemnity, and accident insurance, pay you cash to help with costs not covered by your medical plan!

Learn More

Whether you need to see a doctor or fill a prescription, we've got you covered. Lithia & Driveway’s medical plans take care of you and your family—from routine check-ups to unexpected health needs.

Good to Know

Highlights

Eligibility

Regence BCBS

Regence BCBS HSA-Compatible Plan

Save Smart

What You Pay For In-Network Care

Prescription Drug Coverage

Monthly Plan Rates

Find a Doctor

Regence BCBS PPO Plan

What You Pay For In-Network Care

Prescription Drug Coverage

Monthly Plan Rates

Find a Doctor

UPMC

UPMC PPO Plan

What You Pay For In-Network Care

Prescription Drug Coverage

Monthly Plan Rates

Find a Doctor

Kaiser

Kaiser California HMO Plan

What You Pay For Care

Prescription Drug Coverage

Monthly Plan Rates

Find a Doctor

Kaiser Hawaii HMO Plan

What You Pay For Care

Prescription Drug Coverage

Monthly Plan Rates

Find a Doctor

Kaiser Hawaii Added Choice Plan

What You Pay For Care

Prescription Drug Coverage

Monthly Plan Rates

Find a Doctor

Get Extra Support

Related Info

Get the Details

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