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Union Pacific Nonagreement Health and Wealth Benefits Overview

Plan coverage shown in this video assumes use of network providers. If the member lives in an area where a network provider is available, and chooses to use a non-network provider, they will be responsible for meeting a higher deductible and paying a higher coinsurance percentage. Both the deductible and coinsurance maximum double with use of non-network providers. Please reference the Employee Flexible Benefits Guide for out-of-network cost details. From the Employees site, go to Human Resources>Health Benefits>Plan Disclosures. Union Pacific offers nonagreement employees two high deductible health options – HDHP 1 and HDHP 2. Depending on the ZIP code in which the employee lives, either United Healthcare or Blue Cross BlueShield is the third party administrator for the HDHPs. Kaiser HMO (Kaiser California, Kaiser Colorado and Kaiser Northwest) coverage options are available in certain ZIP codes. The Employee Flexible Benefits Guide serves as the official plan document for the Plan. Should any information found in this video conflict with the Flexible Benefits Guide, the terms of the Flexible Benefits Guide will control. Union Pacific reserves the right, at its discretion, to amend, change or terminate any of its benefit plans, programs, practices or policies at any time for any reason.

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