Tag: Mainland

Real Appeal Weight Management

Weight loss that's free.* A difference that's real.

Real Appeal by Optum is a digital weight loss program that can help you lose weight and improve your health.

Customized around your specific needs and goals, Real Appeal offers:

  1. Up to a year of support from your Transformation Coach. Your coach guides you through the program and develops a simple, customized plan that fits your needs, preferences, and goals.
  2. Unlimited access to Real Appeal’s digital content library, including workout videos, tools to help track food, activity, and weight, weekly analysis and feedback, recipes, and more.
  3. Access to weekly online coaching sessions with your Transformation Coach and a group of fellow members who share what’s helped them achieve success and provide ongoing accountability.
  4. A success kit full of healthy weight management tools including fitness guides, a recipe book (with quick family meal ideas and fast-food eating tips), weight scale, and more.

Real Appeal was designed to spark the transformation that is in each and every one of us. To learn how the program can help you meet your goals, visit hertz.realappeal.com.

For more information about Real Appeal, read this brochure and watch this video.

*Real Appeal is available at no additional cost to employees enrolled in a Hertz medical plan, their covered spouses/domestic partners, and dependents 18 or over with a BMI of 23 and higher, subject to eligibility.

Provider

Flexible Spending Accounts (FSAs)

Set Aside Money to Pay for Eligible Out-of-Pocket Expenses

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.

Benefits of Enrolling in an FSA

Flexible spending accounts (FSAs) enable you to set aside some of your pay, on a pre-tax basis, into an account to pay for eligible health care or dependent care expenses.

  • By using pre-tax dollars to pay for these expenses, you lower your taxable income, which can reduce the amount of taxes you pay.
  • You can enroll in an account even if you’re not enrolled in any other Hertz benefits.
  • You can elect the health care FSA (HCFSA), the dependent care FSA (DCFSA), or both.
  • Use the information on this page to determine the best account(s) for you.

Plan carefully when determining how much to contribute to your FSA. You must incur eligible expenses no later than March 15, and submit claims for reimbursement by June 30, following the end of the prior plan year; the plan year ends on Dec. 31. Any unused balance on your FSA will be forfeited.

Health Care FSA (HCFSA)

The health care FSA (HCFSA) covers copays, deductibles, coinsurance, prescriptions, dental care, eye exams, and other eligible health care expenses.

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How the HCFSA Works

You set aside pre-tax money through payroll deductions up to IRS limits, which are announced annually.

  • The HCFSA maximum contribution limit for 2026 is $3,300.
  • You determine your HCFSA contribution during new hire and open enrollment, and you can’t make changes during the year unless you experience a qualifying life event.

After you enroll, you’ll receive a convenient HCFSA debit card with funds available immediately. Throughout the year, you can use your HCFSA to pay for eligible medical, dental, vision, and prescription drug expenses, including deductibles, copays, and coinsurance.

You may need to submit documentation of your payments, so make sure to save your receipts clearly marked as paid.

Eligible Expenses

In general, eligible health care expenses are those relating to expenses incurred during the plan year (including the two-and-one-half month grace period). You incur an expense on the day the service is provided or the supply is received, not when you are billed or when you pay for it.

You can access a complete list of eligible expenses in IRS Publication 502.

Always keep your receipts, clearly marked as paid, as proof your expenses were eligible for IRS purposes. You may be asked to submit them for verification.

Claims & Reimbursements

Get Reimbursed for Out-of-Pocket Payments

If you want to get reimbursed using your HCFSA funds for an eligible expense paid out-of-pocket, you can file a manual claim for reimbursement by completing and submitting the HCFSA Claim Form.

Direct Deposit Reimbursements

To save time and avoid paper checks, you may choose to have your FSA reimbursements made by direct deposit into your bank account. To set up direct deposit, simply complete and submit the Direct Deposit Authorization Form.

Dependent Care FSA (DCFSA)

The dependent care FSA (DCFSA) covers child care expenses while you are at work for children under age 13 or for other dependents who are incapable of self-care.

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How the DCFSA Works

The dependent care FSA (DCFSA) allows you to set aside pre-tax dollars to pay for eligible dependent care expenses for children under age 13 and for certain elderly or disabled dependents. The DCFSA is for child care or elder care expenses only; it is not for health care expenses for your dependents.

  • The DCFSA maximum contribution limit for 2026 is $7,500 individually, or up to $3,750 if married and filing separately.
  • You determine your HCFSA contribution during new hire and open enrollment, and you can’t make changes during the year unless you experience a qualifying life event.

After you enroll, your DCFSA funds are available as soon as you deposit them into your account. Throughout the year, you can use your DCFSA to pay for child care or elder care expenses while you and your spouse work or attend school.

You may need to submit documentation of your payments, so make sure to save your receipts clearly marked as paid.

Eligible Expenses

Examples of eligible expenses that can be paid for with your DCFSA include:

  • Child care
  • Babysitting
  • Before- and after-school programs
  • Nursery school
  • Preschool
  • Adult or senior daycare

You can access a complete list of eligible expenses in IRS Publication 503.

Always keep your receipts, clearly marked as paid, as proof your expenses were eligible for IRS purposes. You may be asked to submit them for verification.

Claims & Reimbursements

When you have a dependent care expense, you will pay the provider and then file a claim for reimbursement by completing and submitting the DCFSA Claim Form.

Direct Deposit Reimbursements

To save time and avoid paper checks, you may choose to have your FSA reimbursements made by direct deposit into your bank account. To set up direct deposit, simply complete and submit the Direct Deposit Authorization Form.

Documents

Provider

UMR
UMR

Medical Insurance

Phone: 1-866-922-8266

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Teladoc

In a pinch? Teladoc has you covered.

Out of town? Need care in the middle of the night? Don’t sweat it. If you’re enrolled in a Hertz medical plan, there’s another way to see a doctor right away through Teladoc, a telemedicine service.

You can talk to a doctor anytime, day or night, and from anywhere, on your mobile phone, tablet, or computer for a copay (applies to your Hertz medical plan out-of-pocket limit, but not the deductible). They may be as quick as 10 to 15 minutes and can even send a prescription to the pharmacy if needed.

Get help with non-emergency conditions, including allergies, urinary tract infection, bronchitis, cough/cold, diarrhea, fever, migraines, pinkeye, rash, flu, sinus problems, sore throat, stomach aches, and much more.

‍Who are the doctors?
Teladoc doctors are U.S. board-certified internists, state-licensed family practitioners, and pediatricians. And, they have an average of over 20 years of experience.

To get started, go to Teladoc.com. We encourage you to register now, before you need to care.

Teladoc Behavioral Health (BH)

You can also access BH practitioners — psychiatrists (MD/DO), psychologists (PhD), counselors, clinical social workers and therapists with masters degrees, and substance abuse counselors. The program offers diagnostic services, talk therapy, and prescription medication management, when appropriate.

You must complete a comprehensive medical history and an assessment before receiving a BH consultation. The BH program treats issues such as stress, anxiety, depression, addiction, domestic abuse and grief counseling.

Provider

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.

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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
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
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

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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
Optum Rx

Pharmacy & Prescription (Rx) Benefits

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

Rx Savings Solutions
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

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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
Quantum Health

Care Coordinators, Claims Solutions, Wellness Reward & Tobacco Cessation

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