Health Savings Account (HSA)

Pay for Eligible Health Care Expenses Tax-Free

If you plan to enroll in the CDHP medical plan and currently contribute to a health savings account (HSA), you must spend down remaining dollars in your FSA before contributing to or using your HSA. Failure to comply could result in a tax penalty.

How to Use Your HSA

If you enroll in the CDHP medical plan, you will have access to a health savings account (HSA) to help you save for health care expenses. Optum Bank will automatically set up your account and send you a debit card to access your funds.

HSA contributions, earnings, and withdrawals that are used for qualifying expenses are tax-free.

(blank)

Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.

Make Contributions

Hertz will contribute to your HSA. You can also contribute additional funds up to the annual IRS limits, as outlined below, plus an annual catch-up contribution for those over age 55. You can use the HSA Contribution Calculator to help you decide how much to contribute.

Maximum Contribution Limits

The HSA maximum contribution limits for 2026 are as follows:

$4,400 for employee-only coverage
$8,750 for all other coverage
$1,000 annual catch-up contribution for those over age 55

All maximums include Hertz funding.

Use Your Funds

You can use your funds to pay for eligible medical, dental, and vision costs now or in the future. Either pay with your HSA debit card, or pay for eligible expenses out-of-pocket and reimburse yourself from your HSA savings later.

HSA-Eligible Expenses

Search for qualifying expenses using Optum’s medical expense eligibility tool and/or access a full list of eligible expenses in IRS Publication 969.

Save Your Funds

You can also use your HSA as a savings account. The account is yours, even if you leave the company, and your funds will roll over each year accruing interest tax-free. When your account balance reaches $1,000, you can invest your funds.

Helpful Resources

Documents

Provider

Optum Bank

Health Savings Account (HSA)

Phone: 866-234-8913 (Available 24/7)

Vision Coverage

Vision Insurance Plan Information & Rates

Vision Plan

Hertz vision coverage provides both in-network and out-of-network vision benefits through EyeMed.

The EyeMed vision plan covers an annual vision exam, eye glasses, contact lenses, and laser vision correction discount.
You receive a higher level of benefits when you go to a network provider. EyeMed’s network includes Lens Crafters, Eyeglass World, Target Optical, and Pearl Vision along with many independent optical locations.

Costs & Coverage

For more details about what’s covered under the plan and to estimate the cost of care, please review the costs and coverage information below.

To find vision providers, review plan details, and manage claims, visit the EyeMed website or call 866-723-0513.

Provider

EyeMed

Vision Insurance

Phone: 1-866-723-0513

Dental Coverage

Dental Plan Options

Hertz offers you three dental plans administered by Cigna:

Dental HMO Plan (DHMO)	Plan B Full Dental PPO (DPPO)	Plan C Preventative Care
In-network coverage only	In-network and out-of-network coverage	Preventative care coverage only

Costs & Coverage

For more details about what’s covered under each plan and to estimate the cost of care, please review the costs and coverage information below. You can also visit the Cigna website and/or call Cigna at 1-800-244-6224.

Find In-Network Care

When scheduling an appointment, always check to be sure your dentist is still participating in the plan.

Search the Directory

Oral Health Program

As a participant in one of the three Cigna dental plans, you are eligible to take advantage of the Cigna Oral Health Integration Program. This program may reimburse certain out-of-pocket costs for specific dental services needed due to a medical condition.

These benefits are not automatic: you must actively enroll. To learn more about the program and enroll, follow the link below.

Program Overview

Documents

Provider

Cigna

Dental Insurance

Phone: 1-800-997-1654 (TTY/TDD 711)

Pharmacy Benefits

Save on Your Prescription Drug Costs

Pharmacy Costs & Coverage

If you are enrolled in a Hertz medical plan, your pharmacy benefits are administered by Optum Rx.

Pharmacy benefits are not the same for every medical plan offered.
Depending on your medical plan, annual deductibles may apply.
For more details, please review the costs and coverage information below.

Use your Optum Rx account on the Optum Rx website or in the Optum Rx app to get medication pricing information, view your coverage and benefits, and locate an in-network pharmacy. If you do not yet have an account, you will need to register for an account to create your Health Safe ID.

2026 Medication Lists & Forms

Medication Lists

Forms

2025 Medication Lists & Forms

Medication Lists

Forms

(blank)

How to Find an In-Network Pharmacy

OptumRx is accepted at most pharmacies. Using an in-network pharmacy helps reduce the cost you pay for your prescriptions. Using out-of-network pharmacies can cost you significantly more.

Some of the largest national chains are in the OptumRx pharmacy network, including CVS, Walgreens, Walmart, and Kroger.

To access a list of in-network pharmacies located near you, log in to your OptumRx account using HealthSafe ID on the OptumRx website or in the OptumRx app.

Save on Costs with Rx Savings Solutions

Hertz offers you another way to help lower your prescription drug costs: Rx Savings Solutions (RxSS) links to your Hertz medical plan information to find medications that could treat your condition and save you money. You and your doctor can review the information provided by RxSS and decide what’s best for your health and your budget.

Additional information and support can be found on the Rx Savings Solutions website or by calling 1-800-268-4476. Rx Savings Solutions will not change your existing medical coverage, pharmacy preferences, prescriptions, or other benefits.

Preventative Medication Savings

Under the CDHP with HSA Plan, the deductible is waived for approved prescription drugs on the OptumRx preventive medications list.

You still have to pay the appropriate copay for generic, preferred brand or non-preferred brand drugs. If your prescription is not on the approved medications list, you must first satisfy the annual deductible before the plan pays.

Home Delivery & 90-Day Retail Program

Maintenance medications (i.e. those taken on an ongoing basis) are filled as a 90-day prescription through home delivery or at a preferred retail pharmacy. You must choose one of the 90-day options for maintenance medications or you’ll pay the full cost beginning with your third fill.

OptumRx will send you a reminder letter after each 30-day retail fill with helpful tips on converting your 30-day maintenance medication to a 90-day prescription.

How to Place a Home Delivery Order

There are four ways to place a home delivery order:

Online: Visit OptumRx.com or use the OptumRx app.
On the phone: Call 1-855-871-6277.
By mail: A form will be included in your welcome materials, or you can download the form from OptumRx.com and mail it with your prescription.
Using ePrescribe: Your doctor can send an electronic prescription to OptumRx.

Specialty Medications

Certain drugs must be filled through the OptumRx Specialty Pharmacy program. You must enroll in this program to receive your specialty medication prescriptions. To get started, call 1-855-427-4682.

The specialty program provides:

Home delivery service for covered specialty drugs.
Pharmacists with training and expertise in specialty drugs and the conditions they treat.
Video consultations with clinicians.
Assistance to help you find affordable access to your medication.

Schedule a live video consultation with a clinician 24 hours a day, 7 days a week by calling (888) 797-8155.

Providers

Optum Rx

Pharmacy & Prescription (Rx) Benefits

Phone: 1-800-356-3477 (Available 24/7)

Rx Saving Solutions

Prescription Drug Savings

Phone: 1-800-268-4476 (TTY 1-800-877-8973) (Monday - Friday, 7 a.m.–8 p.m. CT)

Medical Plan Costs & Coverage

Medical Coverage to Fit Your Life & Your Pocketbook

Medical Plan Options

Hertz understands the importance of medical coverage for you and your dependents. By taking an active and educated role in your health, you’ll be a better health care consumer and get the most from your medical coverage.

You have three medical plan options, all utilizing the Choice Plus network. No one option is better than another: the best option for you depends on your and your family’s needs and preferences.

Costs & Coverage

(blank)

Understanding Your Plan Deductible

Your plan deductible is the amount you pay in medical expenses before the insurance company will cover any benefit costs for the year. There are two types of deductibles in Hertz medical plans:

Embedded (PPO & Copay Plans): Each family member has an individual deductible, while the family also has a combined deductible. Each person gets their benefits as soon as they meet their individual deductible, no matter what the family total is.

As a reminder, visiting in-network providers and appropriate site of care can help you save money. If you need additional information on our medical plans, be sure to reach out to a Quantum Care Coordinator.

True Family (CDHP with HSA Plan): This means that a family can meet the deductible by combining deductible expenses. There is no limit to the amount one member can pay toward the family deductible.

It’s important to remember that copays for office visits and prescription drugs do not count toward your plan deductible.

Other Terms to Know

Rate or Premium: Like your 12-month gym membership, this is the base amount you pay every month for health care coverage, even if you don’t use it.

Out-of-Pocket Maximum: The most you would possibly pay for covered services in a year. Once you reach your out-of-pocket maximum, your plan covers all eligible expenses.

Coinsurance: The cost shared between you and the insurance company, always a percentage totaling 100%. For example, if the plan pays 80%, you are responsible for paying the remaining 20% of the cost.

Copay: A flat fee paid to your provider at the time of service, kind of the price to get in the door. You may spend more once you’re there if your doctor recommends blood tests, etc. The copay covers the core services included in the office visit.

In-Network: Providers in the network have agreed to charge discounted rates for services when you use them, which means you save money automatically. If you go to an out-of-network provider, they can charge you more and the insurance may cover less of the costs.

Transparency in Coverage

If you would like would like to see pricing information for covered items and services for UMR in-network and out-of-network provider rates, click here.

This link is being provided to you as a fulfillment of our requirement to you to provide transparent pricing information, effective July 1, 2022.

Also included in your medical coverage:

Pharmacy Benefits

Medical Well-Being Programs

Quantum Health Care Coordinators

Documents

Additional policy documents are available in the Document Library.

Provider

Quantum Health

Care Coordinators, Claims Solutions & Wellness Reward

Phone: 877-674-3045 (Monday - Friday, 8:30 a.m. - 10 p.m. ET)

Member Portal

Health & Wellness

Medical

Dental

Vision

Disability

Voluntary Benefits

Well-Being Programs

Qualifying Life Events

You can only update your benefit elections outside of your new hire enrollment period or annual open enrollment if you experience a qualifying life event. For example, if your family status has recently changed (i.e. marriage, divorce, addition of a child, etc.), this may qualify you to update your benefits.

Submit Your Life Event

Guidelines

If you process a qualifying life event, you will be asked to provide documentation of the life event, such as a birth certificate or marriage license.
You must request updates to your benefits within 31 days of the qualifying life event and provide evidence of your life event within 30 days. Updates to your benefits will not be accepted if you miss these deadlines.

Have you recently lost a loved one?

When you lose a loved one, you will likely have questions about your benefits coverage and options.

Learn More

Life Event Scenarios

Use the examples below to help you determine whether your change in life status is considered a qualifying life event.

(blank)

You have a change in your legal marital status, including marriage, legal separation, divorce, annulment or death of a spouse.

Enroll and add your new spouse or domestic partner and children who meet the definition of a dependent under the Program. Download and complete the Domestic Partner Affidavit to begin the verification process.
Drop your coverage and coverage for any dependent children that your spouse/domestic partner is adding to their coverage.
Drop coverage for your spouse/domestic partner and any children that no longer meet the definition of a dependent under the Program. Download and complete the Domestic Partner Termination Form to begin the process.

Your number of dependent child(ren) changes due to birth, death, adoption or placement for adoption.

Enroll and add your new child(ren).
Drop coverage for your child(ren) who no longer meet the definition of a dependent under the Program.

There is a change in your dependent's eligibility for coverage under the Program due to attainment of age.

Discontinue coverage for your child(ren) who no longer meets the definition of a dependent under the Program. For example, a child who attains age 26.

You, your spouse/domestic partner or dependent child experience a change in employment status, including termination, commencement of employment, commencement of, or return from, an unpaid leave of absence and any other change in employment status that affects eligibility.

Add your spouse/domestic partner and/or any children that meet the definition of a dependent under the Program when your spouse/domestic partner and/or child loses employment/medical coverage.
Discontinue coverage for yourself, your spouse/domestic partner, and/or any children you are currently covering under the Program when your spouse/domestic partner or child initially obtains employment/medical coverage.

You move out of an Hawaii Kaiser HMO service area or a Cigna Dental Care (CDC) Dental Plan network service area.

Elect a different medical (or dental) coverage option under the Program for the remainder of the plan year.

You involuntarily lost your alternative medical coverage, if you previously waived medical coverage under the Program.

Elect coverage for yourself and eligible dependents under the Medical Options and/or Dental Options for the remainder of the plan year.

Your spouse/domestic partner's open enrollment period.

Add coverage for yourself, your spouse/domestic partner and any dependent children during your spouse/domestic partner’s annual open enrollment period.
Discontinue coverage for yourself, your spouse/domestic partner and any dependent children during your spouse/domestic partner’s annual open enrollment period.

‍

You have a Medical Child Support Order (QMCSO).

Add a dependent to coverage under a valid QMCSO.
Drop a dependent because the dependent has other coverage through a valid QMCSO.

You become eligible for Medicare or Medicaid or you lose your Medicare or Medicaid coverage.

Add Hertz medical coverage.
Drop Hertz medical coverage.

How to Enroll

Steps to Take to Enroll Online

Enroll in Benefits

At the top of the page, navigate to Log In and select Enroll/Review Benefits to open Hertz Benefits in Benefit Solver.
On the login screen, enter your username and password to log in to your account.
Select Start Here in the main banner and begin selecting the plans you’d like to enroll in.
The enrollment system will walk you through each benefit category and allow you to review the costs and other options.
When you’ve made your selections and double-checked your information, including your dependents and beneficiaries, click I Agree to confirm your elections. You’ll know you’re done when you see a confirmation number.

Printing or saving a copy of your benefit election summary is always recommended. You can reach a Hertz Benefits Specialist by calling 800-654-3373 and selecting Option #3 for help or to confirm your enrollment details.

First time enrolling?

When you get to the login screen, you’ll need to register.

On the login screen under First Time Here, select Register.
Enter the company key (Hertz), your employee ID number, and your date of birth (DOB).
Once you’ve registered, you can create your own username, password, and security questions.

Access your benefits information on the go with the MyChoice® benefits app!

Available on both the Apple App Store and Google Play, you can review your plan details, see and change your beneficiaries, upload documents, access your ID cards, and chat 24/7 for help.

Your benefits are dependent upon where you live.

Make sure your location settings are accurately configured at the top of the page. You should select either USA Mainland & Alaska or Hawaii.

Have questions? We have answers.

Get Help Enrolling

Disclaimer: Depending on your employment classification, or if you are covered by a collective bargaining agreement, some of the benefits listed online may or may not apply to you. Please refer to your labor agreement and/or contact your Human Resource Business Partner for further information about the benefits available to you and any limitations or restrictions on eligibility.

Hertz Benefits

Locate Benefits Information Using the Menu Above

Hertz Benefits

Locate Benefits Information Using the Menu Above