Physical Wellbeing

Medical Plan Options

Zoetis offers the following medical plan options. For each of these options, in-network preventive services are always covered at 100%.

Health Savers Option with a Health Savings Account (HSA)

• The UnitedHealthcare (UHC) Health Savers Option is a qualified high-deductible health plan.
  • It pairs with a Health Savings Account (HSA) to help cover a significant portion of your annual deductible and other out-of-pocket medical costs.
  • Zoetis contributes to your HSA: Employee only: $600, Other coverage levels: $1,200. (New hires who begin employment December 1 or later are not eligible to receive Zoetis HSA contributions for that calendar year.)
• Your payroll contributions are less in the Health Savers Option, so you pay less up front.
• The plan offers the choice between in- or out-of-network providers; your costs will be higher for out-of-network care.
• CVS Caremark administers the prescription drug plan.

Full Access Option

• The UHC Full Access Option offers the choice of using in- or out-of-network providers. Your costs will be higher for out-of-network care.
• For in-network doctor’s office visits and emergency room visits, copays apply.
• For all other medical services, such as hospital inpatient and outpatient services, a deductible and coinsurance apply.
• CVS Caremark administers the prescription drug plan.

Kaiser HMO Option—California

Available only to California colleagues who reside in an eligible ZIP code area

• The plan is a Health Maintenance Organization (HMO) that provides benefits only when you go to providers in the Kaiser California HMO network.
• Out-of-network providers or services are not covered (except in emergencies).
• If you live in California and are interested in the Kaiser HMO Option, make sure to review how the Kaiser plan provisions differ from the UHC options.

Network Exclusive Option

Available only to current enrollees

• The UHC Network Exclusive Option provides benefits that are available exclusively when an in-network provider is used.
• There is no coverage when care is provided by an out-of-network provider, except in the case of a life- threatening emergency.
• This option is not available to new enrollees.
• CVS Caremark administers the prescription drug plan.

To find out if a provider is in-network, go to myuhc.com and look under the UHC Choice Plus Network. To find providers in the Kaiser HMO network, go to kp.org.

View a detailed 2024 Medical Plan Options Comparison Chart

Prescription Drug Benefits

Zoetis provides quality prescription drug coverage for the medical plan options through our prescription drug plan, which is administered by CVS Caremark and Kaiser and includes:

• Retail pharmacy-filled prescriptions
• Mail order prescriptions

Under Affordable Care Act provisions, certain preventive drugs are covered at 100% (applies to all Zoetis medical plan options). For more information:

• UHC Options: caremark.com
• Kaiser HMO Option: kp.org

Specialty Drugs and Prior Authorization—UHC

If your provider prescribes a specialty drug, you must obtain prior authorization. This means that the prescribing provider will need to answer questions about your medical condition or diagnosis before the drug is dispensed.

You or your provider must submit the prescription, then CVS Caremark Specialty Pharmacy will reach out to your provider for the necessary clinical information for Prior Authorization within 48 hours to ensure your medication is reviewed and processed. For more information on CVS Caremark Specialty Pharmacy services, visit caremark.com.

Specialty Drugs—Kaiser

$35 per prescription up to 30-day supply, subject to formulary guidelines. No prior authorization required.

ID Cards

• You will receive a new medical ID card if you are newly enrolling or changing your coverage level.
• If changing your coverage level (e.g., from “You” to “You + Spouse/ Domestic Partner”) or if adding/removing dependents as covered dependents, they will be listed on the medical ID card.
• Temporary cards can be printed from the UHC or Kaiser sites once your enrollment is registered.
• You may also receive a CVS Caremark Prescription Drug ID card.
• If you live in Southern CA and enroll in Kaiser, you will receive two ID cards, Northern CA and Southern CA. When receiving services in Southern CA, use your Southern CA ID card, except for chiropractic and infertility services, when the Northern CA card should be used.

For those enrolled in a UHC medical plan option

Zoetis offers a Preferred Provider Organization (PPO) dental option administered by MetLife. You have the option of using in- or out-of-network dental providers with the same level of benefit.

¹ Reasonable & Customary allowance applies

Visit a MetLife Preferred Dentist

The MetLife Preferred Dentist Program (PDP) network provides access to more than 118,000 dental practices nationwide—and more than 28,000 are specialists. PDP dentists have agreed to network-negotiated fees for services provided. PDP dentist care lowers your out-of-pocket costs. And, you do not have to submit claim forms—the dentist’s office does the work for you. Find a PDP near you at metlife.com/mybenefits.

UnitedHealthcare (UHC) Vision administers the Zoetis Vision Plan.

Save on Vision Care

You can receive discounts on eye care services and products at LensCrafters, Pearle Vision, Sears Optical, JCPenney Optical, and other participating providers, with no cost to participate in the discount program. Simply say “Zoetis” at participating providers when receiving services. This optional program does not replace or coordinate with the Zoetis-sponsored vision program through UHC Vision.

Zoetis provides income and financial protection through the following disability insurance benefits:

• Short-Term Disability (STD) Insurance
• Long-Term Disability (LTD) Insurance

Short-Term Disability (STD) Insurance

If you cannot work due to an illness or injury, STD benefits will provide 100% of your base pay up to the first 13 weeks of disability and 70% of base pay for the remaining period, up to a maximum of 26 weeks. STD benefits are administered by NYLife. This benefit is fully paid by Zoetis, and no colleague contributions are required.

Long-Term Disability (LTD) Insurance

If an illness or injury keeps you out of work for longer than 26 weeks, the Zoetis provided Core Benefit will deliver 60% of your base pay. This coverage can be supplemented with the Optional Buy-up Benefit, which instead provides 70% of your total pay (including bonus and commissions) up to a monthly maximum as indicated in the following table. LTD benefits are administered by NYLife.

Pre-existing conditions

LTD benefits will not be paid for any period of disability that begins within 12 months of your benefit effective date or date of any added or increased benefits if that disability is associated with a pre-existing condition. A pre-existing condition is defined as an injury or illness for which you received treatment or diagnostic care or used prescription drugs or medicines within three months prior to the most recent effective date of insurance coverage. If you have any questions, contact NYLife at 1-888-842-4462.

Need to be out of work due to a disability or leave?

Call NYLife at 1-888-842-4462 to report a disability or to request a Family Medical or Zoetis leave of absence.

Critical illness insurance provides a lump sum payment for cancer or vascular conditions or for several other critical illnesses such as kidney failure, Alzheimer’s disease and bacterial meningitis.

Coverage is provided through Manhattan Life. You can enroll as a new hire or during any annual enrollment period. Elections above $20,000 as a new hire and elections made at any other time of year for any amount require approval of good health.

You can enroll as a new hire, at annual enrollment of if you have a qualifying life event.  

Zoetis does not contribute to the cost of these benefits.

Access to retiree medical benefits is available through the Retiree Health Access® (RHA®) Program for eligible colleagues. RHA is a national group of business and industry leaders working together to offer health solutions powered by Aetna. Zoetis retirees will be able to choose from retiree-paid pre- and post-age 65 Aetna medical options that include prescription drug coverage. You’ll be able to choose a plan that best meets your health and financial needs regardless of your current health status. You’ll also have coverage for preventive care and wellness programs designed to help you live a healthier lifestyle. 

You are eligible if you retire at or after age 55 with at least five years of continuous service and are covered under a Zoetis medical plan just prior to retirement. If you are COBRA-eligible at retirement and wish to enroll first in COBRA medical benefits, you can delay enrollment into the RHA Program until the time your COBRA benefits expire (typically 18 months following retirement).

The RHA/Aetna Program does not impact colleagues who are already eligible for retiree medical coverage from Pfizer, or who will become eligible for retiree medical coverage through Pfizer during the grow-in period that ended December 31, 2017. The RHA/Aetna Program simply provides options to consider amongst other medical plans available, including those on the Affordable Care Act exchange market.

Questions about the plans, billing, eligibility and enrollment can be directed to the RHA Retiree Service Center at 1-800-426-4584 (TTY/TDD: 711). Their Customer Service Representative will review plan options and benefits and provide you access to their site for retiree plan modeling and information.