Medical and pharmacy

Plan	Cost structure	May be a good fit if…
Choice Advantage Plan	Lowest payroll contribution Higher cost when receiving care	You want to keep more of your paycheck now and are comfortable paying more if you need care.
Prime Advantage Plan	Moderate payroll contribution Moderate cost when receiving care	You want a balance between your monthly cost and what you pay if/when you receive services.
Basic PPO Plan	Highest payroll contribution Lower cost when receiving care	You prefer to pay more each month in exchange for lower costs when you receive care.

Comparing your medical plans

Overview

Choosing a medical plan starts with understanding how the plans work and what your costs may be throughout the year. One cost to consider is your premium, or the amount you pay from your paycheck for medical coverage. Depending on the plan you choose, you may also pay out-of-pocket costs when you receive care, such as deductibles and coinsurance.

While all three plans provide comprehensive coverage, there are differences in:

What you pay from your paycheck for coverage
How prescription drug benefits work
Whether you can contribute to a tax-advantaged Health Savings Account (HSA)
Your deductible and out-of-pocket costs

Plan comparison: 2026

	Choice Advantage¹		Prime Advantage¹		Basic PPO²
Payroll Contribution	Lowest		Moderate		Highest
Solventum HSA Contribution⁸	$600 employee only; $1,200 all other coverage levels		$600 employee only; $1,200 all other coverage levels		Not eligible for HSA
	You pay
Plan feature	In-network	Out-of-network	In-network	Out-of-network	In-network	Out-of-network
Annual deductible³ (individual)	$3,400	$6,600	$1,700	$3,400	$650	$1,300
Annual deductible³ (family)	$6,600⁴	$13,200	$3,400	$6,800	$1,300⁴	$2,600
Annual out-of-pocket maximum³ (individual)	$5,400	$10,800	$5,400	$10,800	$5,400	$10,800
Annual out-of-pocket maximum³ (family)	$10,800	$21,600	$10,800⁵	$21,600	$10,800	$21,600
Medical coinsurance⁶	20%	35%	20%	35%	20%	45%
Preventive care⁶	0%	35%	0%	35%	0%	45%
Office visits⁶ (primary care & specialist)	20%	35%	20%	35%	20%	45%
Inpatient / outpatient care⁶	20%	35%	20%	35%	20%	45%
Emergency room⁶	20%	20%	20%	20%	20% + $300 copay	20% + $300 copay
Urgent care⁶	20%	20%	20%	20%	20%	20%
Mental health & substance abuse⁶	20%	35%	20%	35%	20%	45%
Virtual health⁷	20%	35%	20%	35%	20%	45%

1. The annual deductible and out-of-pocket maximum (OOP max) can be met through a combination of medical and prescription drug expenses.
2. The annual deductible is only met by medical expenses. The OOP max can be met through a combination of medical and prescription drug expenses.
3. There are separate deductibles and OOP maximums for in-network care and out-of-network care, which accrue separately.
4. The Choice Advantage and Basic PPO plans have an embedded deductible. This means the plan begins paying benefits for each enrolled family
member after they meet their own deductible, even if the family deductible isn’t met.
5. The Prime Advantage Plan has a non-embedded deductible which means, the entire family deductible must be met before the plan begins paying benefits for any enrolled family member. Family OOP max has an embedded per member OOP max of $9,200 for in-network services.
6. Percentage of allowed amount after deductible. The allowed amount reflects how much the plan will pay for the medical expense. If your provider charges more than the allowed amount, you may have to pay the difference (which does not count toward your annual deductible or OOP max).
7. Virtual health visits through Doctor on Demand, Virtuwell and Teladoc are not subject to your Solventum health plan’s deductible.
8. The annual Solventum HSA contribution amount is prorated for employees hired after January 1.

Plan comparison: 2027

	Choice Advantage¹		Prime Advantage¹		Basic PPO²
Payroll Contribution	Lowest		Moderate		Highest
Solventum HSA Contribution⁸	$600 employee only; $1,200 all other coverage levels		$600 employee only; $1,200 all other coverage levels		Not eligible for HSA
	You pay
Plan feature	In-network	Out-of-network	In-network	Out-of-network	In-network	Out-of-network
Annual deductible³ (individual)	$3,800	$7,600	$1,900	$3,800	$500	$1,000
Annual deductible³ (family)	$7,600⁴	$15,200	$3,800	$7,600	$1,000⁴	$2,000
Annual out-of-pocket maximum³ (individual)	$6,000	$12,000	$5,400	$10,800	$3,500	$7,000
Annual out-of-pocket maximum³ (family)	$12,000	$24,000	$10,800⁵	$21,600	$7,000	$14,000
Medical coinsurance⁶	20%	35%	20%	35%	20%	45%
Preventive care⁶	0%	35%	0%	35%	0%	45%
Office visits⁶ (primary care & specialist)	20%	35%	20%	35%	20%	45%
Inpatient / outpatient care⁶	20%	35%	20%	35%	20%	45%
Emergency room⁶	20%	20%	20%	20%	20% + $300 copay	20% + $300 copay
Urgent care⁶	20%	20%	20%	20%	20%	20%
Mental health & substance abuse⁶	20%	35%	20%	35%	20%	45%
Virtual health⁷	20%	35%	20%	35%	20%	45%

1. The annual deductible and out-of-pocket maximum (OOP max) can be met through a combination of medical and prescription drug expenses.
2. The annual deductible is only met by medical expenses. The OOP max can be met through a combination of medical and prescription drug expenses.
3. There are separate deductibles and OOP maximums for in-network care and out-of-network care, which accrue separately.
4. The Choice Advantage and Basic PPO plans have an embedded deductible. This means the plan begins paying benefits for each enrolled family
member after they meet their own deductible, even if the family deductible isn’t met.
5. The Prime Advantage Plan has a non-embedded deductible which means, the entire family deductible must be met before the plan begins paying benefits for any enrolled family member. Family OOP max has an embedded per member OOP max of $9,200 for in-network services.
6. Percentage of allowed amount after deductible. The allowed amount reflects how much the plan will pay for the medical expense. If your provider charges more than the allowed amount, you may have to pay the difference (which does not count toward your annual deductible or OOP max).
7. Virtual health visits through Doctor on Demand, Virtuwell and Teladoc are not subject to your Solventum health plan’s deductible.
8. The annual Solventum HSA contribution amount is prorated for employees hired after January 1.

Plan rates: 2026

The chart below shows your share of the monthly cost for medical coverage before and after applicable premium discounts. Your actual cost may vary depending on your eligibility for well-being incentives, the tobacco-free discount or any applicable surcharges.

Remember, the amount deducted from your paycheck is only a portion of the total cost of coverage. Solventum pays the other portion, which is much larger. This investment by the company helps make comprehensive healthcare more affordable and accessible for you and your family.

	Choice Advantage		Prime Advantage		Basic PPO²
	Base rate	After discounts	Base rate	After discounts	Base rate	After discounts
Employee monthly¹ cost
Employee only	$165	$85	$191	$111	$229	$149
Employee + spouse/domestic partner	$332	$197	$398	$263	$494	$359
Employee + child(ren)	$285	$175	$339	$229	$412	$302
Employee + family	$411	$276	$497	$362	$624	$489

1. If you are paid bi-weekly or semi-monthly, take these amounts multiplied by 12 then divide that amount by the number of pay periods you’ll have for the year to calculate your premium.
2. Temporary employees are only eligible for the Basic PPO plan. Premiums can be found on the Solventum Benefits Center website.

Hawaii employees
If you live in Hawaii, your medical plan is offered through HMSA. Review premium information and the Summary of Benefits and Coverage (SBC) for your plan.

Puerto Rico employees
If you live in Puerto Rico, your medical plan is offered through Triple-S Salud. Review premium information and the Summary of Benefits and Coverage (SBC) for your plan.

Plan rates: 2027

The chart below shows your share of the monthly cost for medical coverage before and after applicable premium discounts. Your actual cost may vary depending on your eligibility for well-being incentives, the tobacco-free discount or any applicable surcharges.

Remember, the amount deducted from your paycheck is only a portion of the total cost of coverage. Solventum pays the other portion, which is much larger. This investment by the company helps make comprehensive healthcare more affordable and accessible for you and your family.

	Choice Advantage		Prime Advantage		Basic PPO²
	Base rate	After discounts	Base rate	After discounts	Base rate	After discounts
Employee monthly¹ cost
Employee only	$169	$89	$197	$117	$239	$159
Employee + spouse/domestic partner	$345	$210	$415	$280	$525	$390
Employee + child(ren)	$294	$184	$350	$240	$433	$323
Employee + family	$429	$294	$521	$386	$667	$531

1. If you are paid bi-weekly or semi-monthly, take these amounts multiplied by 12 then divide that amount by the number of pay periods you’ll have for the year to calculate your premium.
2. Temporary employees are only eligible for the Basic PPO plan. Premiums can be found on the Solventum Benefits Center website.

Hawaii employees
If you live in Hawaii, your medical plan is offered through HMSA. Review premium information and the Summary of Benefits and Coverage (SBC) for your plan.

Puerto Rico employees
If you live in Puerto Rico, your medical plan is offered through Triple-S Salud. Review premium information and the Summary of Benefits and Coverage (SBC) for your plan.

Embedded vs.
non-embedded deductible

The Choice Advantage and Basic PPO plans have embedded deductibles. This means one covered family member can meet their individual deductible and begin coinsurance before the full family deductible is met.

The Prime Advantage Plan uses a non-embedded deductible for family coverage. This means the full family deductible must be met before the plan begins paying for any covered family member.

Compare your options and find the plan that works best for you and your situation.

Understanding how medical plans share costs can help you choose the plan that’s right for you.

Each Solventum medical plan pays 100% for routine preventive care like annual screenings, with no out-of-pocket costs when you visit an in-network provider.

For most non-preventive care, you pay the full cost of covered services until you meet your deductible. After that, you share costs with the plan through coinsurance. If you reach your in-network annual out-of-pocket maximum, the plan pays 100% of eligible medical and prescription drug expenses for the rest of the year. Most other medical expenses follow this general progression:

You pay all costs for covered services until your deductible is met.

After meeting your deductible, you will share the costs of services through coinsurance.

Once the deductible and Out-of-Pocket (OOP) maximum have been met, the plan covers 100% of eligible in-network medical and prescription drug expenses for the rest of the year, leaving you with no additional costs.

You can use funds from an HSA or Health Care FSA to pay your deductible and coinsurance until you reach your out-of-pocket maximum.

Using an HSA or FSA

You may be able to use funds from a Health Savings Account (HSA) or Health Care Flexible Spending Account (FSA) to help pay your deductible and coinsurance, depending on the medical plan and account you’re eligible for.

Provider networks

2026

Your medical plan includes access to a provider network that is determined by where you live. Depending on your home ZIP code, you may be enrolled in a nationwide network or a regional network. You do not select your network or medical plan administrator during enrollment.

Before enrolling, we encourage you to confirm that your preferred doctors, specialists, hospitals and healthcare facilities participate in your network. To search for providers, visit the Blue Cross Blue Shield provider directory or the HealthPartners provider directory.

Hawaii employees
If you live in Hawaii, your medical coverage is administered through HMSA. To search for providers, log in to your HMSA account or call 800-776-4672. Review the applicable Summary of Benefits and Coverage (SBC) for your plan.

Puerto Rico employees
If you live in Puerto Rico, your medical coverage is administered through Triple-S Salud. To search for providers, log in to your Triple-S Salud account or call 800-981-3241. Review the applicable Summary of Benefits and Coverage (SBC) for your plan.

BCBS of MN BlueCard PPO Network

HealthPartners Open Access Network

HMSA Hawaii

Map number	Location	Network
1	Kansas City	Preferred-Care Blue Network
2	St. Louis/Greater Missouri	Blue Access Choice Network
3	Washington, D.C., Maryland, Northern Virginia	BlueChoice Advantage
4	Twin Cities and Western Wisconsin	Solventum Choice Advantage Achieve Plus Network
5	New York state	Empire Point of Service Network
6	New Jersey	Horizon Managed Care Network
7	Greater Wisconsin	Blue Preferred POS

2027

Your medical plan includes access to a provider network that is determined by where you live. Depending on your home ZIP code, you may be enrolled in a nationwide network or a regional network. You do not select your network or medical plan administrator during enrollment.

Before enrolling, we encourage you to confirm that your preferred doctors, specialists, hospitals and healthcare facilities participate in your network. To search for providers, visit the Blue Cross Blue Shield provider directory or the HealthPartners provider directory.

Hawaii employees
If you live in Hawaii, your medical coverage is administered through HMSA. To search for providers, log in to your HMSA account or call 800-776-4672. Review the applicable Summary of Benefits and Coverage (SBC) for your plan.

Puerto Rico employees
If you live in Puerto Rico, your medical coverage is administered through Triple-S Salud. To search for providers, log in to your Triple-S Salud account or call 800-981-3241. Review the applicable Summary of Benefits and Coverage (SBC) for your plan.

BCBS of MN BlueCard PPO Network

HealthPartners Open Access Network

HMSA Hawaii

Triple-S Salud

Map number	Location	Network
1	Kansas City	Preferred-Care Blue Network
2	St. Louis/Greater Missouri	Blue Access Choice Network
3	Washington, D.C., Maryland, Northern Virginia	BlueChoice Advantage
4	Twin Cities and Western Wisconsin	Solventum Choice Advantage Achieve Plus Network
5	New Jersey	Horizon Managed Care Network
6	Greater Wisconsin	Blue Preferred POS
7	Puerto Rico	Triple-S Salud

Prescription drug coverage

2026 Overview

Prescription drug coverage, administered by CVS Caremark, is automatically included with each Solventum medical plan. The medications covered are consistent across the plans, but how you pay for prescriptions depends on the medical plan you choose. Some medications may be covered before you meet your deductible, while others follow your plan’s standard cost-sharing rules.

	Choice Advantage		Prime Advantage		Basic PPO
Plan feature	In-network	Out-of-network	In-network	Out-of-network	In-network	Out-of-network
	You pay
Retail (up to 30-day supply)¹
Preventive drug list²	20%	35%	20%	35%	N/A	N/A
Generic	20%	35%	20%	35%	20%	35%
Preferred brand	20%	35%	20%	35%	25%, $25 minimum	45%, $25 minimum
Non-preferred brand	80%	80%	80%	80%	80%	80%
Mail order or CVS (up to 90-day supply) ¹
Preventive drug list²	20%	No coverage	20%	No coverage	N/A	N/A
Generic	20%	No coverage	20%	No coverage	20%	No coverage
Preferred brand	20%	No coverage	20%	No coverage	25%, $65 minimum	No coverage
Non-preferred brand	80%	No coverage	80%	No coverage	80%	No coverage
Specialty ^1,3
Generic⁴	20%	No Coverage	20%	No coverage	20%	No coverage
Preferred brand	20%	No coverage	20%	No coverage	25%, $25 minimum	No coverage
Non-preferred brand	80%	No coverage	80%	No coverage	80%	No coverage

1. Percentage of allowed amount after deductible, if applicable by plan.
2. Preventive care medications for certain conditions are not subject to the deductible.
3. Amounts received from third-party copayment assistance do not apply to deductible or out-of-pocket maximum.
4. Generic specialty medications are covered at 20% of the allowed amount, to a maximum of $100, after deductible.

Prescription drug lists (also known as formularies) are updated regularly to ensure covered medications are safe, effective and affordable. If you are impacted by formulary changes, you will be contacted directly by CVS Caremark.

2027 Overview

Prescription drug coverage, administered by CVS Caremark, is automatically included with each Solventum medical plan. The medications covered are consistent across the plans, but how you pay for prescriptions depends on the medical plan you choose. Some medications may be covered before you meet your deductible, while others follow your plan’s standard cost-sharing rules.

	Choice Advantage		Prime Advantage		Basic PPO
Plan feature	In-network	Out-of-network	In-network	Out-of-network	In-network	Out-of-network
	You pay
Retail (up to 30-day supply)¹
Preventive drug list²	20%	35%	20%	35%	N/A	N/A
Generic	20%	35%	20%	35%	20%	35%
Preferred brand	20%	35%	20%	35%	25%, $25 minimum	45%, $25 minimum
Non-preferred brand	80%	80%	80%	80%	80%	80%
Mail order or CVS (up to 90-day supply) ¹
Preventive drug list²	20%	No coverage	20%	No coverage	N/A	N/A
Generic	20%	No coverage	20%	No coverage	20%	No coverage
Preferred brand	20%	No coverage	20%	No coverage	25%, $65 minimum	No coverage
Non-preferred brand	80%	No coverage	80%	No coverage	80%	No coverage
Specialty ^1,3
Generic⁴	20%	No Coverage	20%	No coverage	20%	No coverage
Preferred brand	20%	No coverage	20%	No coverage	25%, $25 minimum	No coverage
Non-preferred brand	80%	No coverage	80%	No coverage	80%	No coverage

1. Percentage of allowed amount after deductible, if applicable by plan.
2. Preventive care medications for certain conditions are not subject to the deductible.
3. Amounts received from third-party copayment assistance do not apply to deductible or out-of-pocket maximum.
4. Generic specialty medications are covered at 20% of the allowed amount, to a maximum of $100, after deductible.

Prescription drug lists (also known as formularies) are updated regularly to ensure covered medications are safe, effective and affordable. If you are impacted by formulary changes, you will be contacted directly by CVS Caremark.

Helpful prescription terms

Term	What it means
Generic drug	A medication that has the same active ingredient as a brand-name drug and is equivalent in dosage, safety, strength, quality, performance and intended use.
Brand-name drug	A medication marketed under a trademark-protected name.
Preferred drug	A generic or brand-name medication that generally costs less under the plan.
Non-preferred drug	A medication that generally costs more under the plan.
Maintenance medication	A medication you take regularly to manage an ongoing health condition.
Prescription drug list	A list of medications covered by the plan. This may also be called a formulary or preferred drug list.

Premium discounts and surcharges

The amount you pay for medical coverage may be lower or higher depending on your participation in certain Solventum well-being programs and your family situation.

Healthy Living Incentive

Solventum rewards healthy habits through the Healthy Living Incentive program. Employees and covered spouses or domestic partners who complete the required well-being activities may qualify for a discount on their medical plan premiums.

Learn more about healthy living incentives

Tobacco-free discount

Employees who are tobacco-free may qualify for a monthly premium discount. An additional discount may also be available if covered dependents are tobacco-free. Employees who use tobacco may still qualify for the discount by completing an approved tobacco cessation program.

Learn more about tobacco-free discount

Spouse/domestic partner surcharge

If your spouse or domestic partner has access to medical coverage through their own employer but enrolls in a Solventum medical plan as their primary coverage, an additional surcharge of $100 per month may apply. This includes a spouse or domestic partner who is a current Solventum employee or a Solventum retiree eligible for the retiree medical HRA plan. If your spouse or domestic partner is unemployed, is not offered employer-provided coverage or is covered under a Solventum medical plan as secondary, no surcharge will apply.

Update for 2027: Reduced spouse/domestic partner surcharge

As part of Solventum’s commitment to investing in our employees, the monthly surcharge will decrease from $211 to $100 if employees cover a spouse/partner with access to medical coverage through their own employer.

That’s up to $1,332 in annual savings!

Choosing the right plan for your needs

Comparing your medical plans

Overview

At-a-glance

Plan comparison: 2026

Plan comparison: 2027

Plan rates: 2026

Plan rates: 2027

Embedded vs.
non-embedded deductible

Provider networks

2026

2027

Prescription drug coverage

2026 Overview

2027 Overview

Understanding prescription drug coverage

Helpful prescription terms

Premium discounts and surcharges

Medical and pharmacy

Choosing the right plan for your needs

Comparing your medical plans

Overview

At-a-glance

Plan comparison: 2026

Plan comparison: 2027

Plan rates: 2026

Plan rates: 2027

Embedded vs. non-embedded deductible

Understanding cost sharing

Provider networks

2026

2027

Prescription drug coverage

2026 Overview

2027 Overview

Understanding prescription drug coverage

Helpful prescription terms

Premium discounts and surcharges

Cookie preferences

Analytics

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Embedded vs.
non-embedded deductible