(Effective January 1, 2027)
Feel your best with trusted coverage and care.
We offer comprehensive medical plans to help you stay healthy year-round.
Check if your doctors are in-network using UHC’s Find Your Doctor Tool.
Your medical plan should work for you.
Call Quantum Health at (877) 220-2279 to see how you can maximize your Lennox health care benefits and save money!
Eligibility
Benefit Features
Lennox offers two medical plan options, both administered through UMR in partnership with Quantum Health, under the UnitedHealthcare (UHC) Choice Plus network.
Green Plan
- Offers a lower per paycheck premium cost, but a higher annual deductible and out-of-pocket maximum.
Blue Plan
- Offers a lower annual deductible and out-of-pocket maximum, but a higher per paycheck premium cost.
What’s Included in Both Plans?
The Green Plan and Blue Plan may differ in their per paycheck premiums, annual deductibles, and out-of-pocket maximums, but both plans offer the same services, copays, and coinsurance, including:
- $0 preventive care (routine checkups, screenings, vaccinations)
- Freedom to see any doctor – you’ll always pay less with a UHC Choice Plus in-network provider!
- 80% coverage for in-network healthcare once the annual deductible is met.
- Expert health care guidance through Quantum Health.
- Prescription coverage through Optum Rx.
- Chronic disease support and extra savings on condition-specific medications.
- A variety of health and wellness programs to help you live well.
- Unlimited $0 virtual visits for non-emergent medical and mental health care.
Questions to Ask Yourself
Before you choose you may want to think about the following:
- How much did you spend on health care last year? (premiums, out-of-pocket costs, etc.)
- How well did your health care budget and actual costs match?
- Who do you need to cover during the year?
- Are your current doctors in-network?
- Do you take any long-term medications and/or specialty drugs?
- Do you anticipate needing any future medical care? (specialist care, recent health diagnosis, chronic condition management, pregnancy, etc.)
Tools to Help You Choose
Use these tips to make the best choice for your needs:
- Call Quantum Health for personalized 1-on-1 help understanding your options.
- Review the 2027 Lennox medical plan documents.
- Budget your 2027 per paycheck premiums.
- Avoid surcharges and save on medical costs by taking these actions each year:
- Certify Working Spouse Status in BenefitSource.
- Confirm Tobacco Use Status in BenefitSource.
- Complete a free annual health screening through LIIveWell.
Certain family members may be eligible for coverage if you are eligible and enrolled in a medical plan.
You MUST upload dependent verification documents (marriage certificate, birth certificate, adoption papers) in BenefitSource within 60 days of enrolling a new dependent in Lennox health coverage.
Call (800) 284-4549 to check the status as dependent coverage will not be effective until it’s approved.
| Eligible Family Members | Required Dependent Verification Documents* |
| Legal Spouse Includes common law spouses where legal under state law * You must certify Working Spouse status |
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Dependent children (< age 26)
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| Adult Child (age 26+) Incapable of self-support due to an official hospital record of a mental or physical disability |
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- Meet Your
Annual DeductibleThe amount you must pay before the plan begins to pay.
In order for your Lennox medical plan to start paying, you must meet the annual deductible (costs for most in-network and out-of-network services and prescription drugs). Remember, in-network preventive care is always covered at 100% and is not subject to the deductible.Annual Deductible Green Plan Blue Plan In-Network Out-of-Network In-Network Out-of-Network Individual $1,500 $3,000 $850 $1,700 Family $4,500 $9,000 $2,550 $5,100 - Share the Cost
Once you meet the annual deductible, you and the plan share the cost of medical care, calledcoinsurance. Coinsurance is an insured individual’s share of the costs of a covered expense.Your Lennox medical plan will cover 80% of the total cost for most in-network medical services. You will be responsible for the remaining 20% amount.Coinsurance Green Plan Blue Plan In-Network Out-of-Network In-Network Out-of-Network Medical Plan Pays 80% 60% 80% 60% You Pay 20% 40% 20% 40% - Reach Your
Out-of-Pocket Maximum The maximum amount you will have to pay out of pocket for the plan year. If you reach this limit, the plan will pay 100% of your eligible expenses for the rest of the year.
If you meet the annual out-of-pocket maximum before the plan year ends, your Lennox medical plan will pay 100% of your medical and prescription costs for the rest of the plan year.Annual Out-of-Pocket Maximum Green Plan Blue Plan In-Network Out-of-Network In-Network Out-of-Network Individual $8,375 $16,750 $7,825 $15,650 Family $16,750 $33,500 $15,650 $31,300
In-Network vs. Out-of-Network
- In-Network – Providers that are contracted with your insurance company. You will always receive the most savings with in-network providers as they provide services at the negotiated rates.
- Out-of-Network – Providers that are not contracted with your insurance company. Out-of-network providers will not qualify for in-network carrier discounts meaning your costs for care will be higher.
- Non-Participating – Providers who have declined a contract with your insurance company. There is a possibility that Lennox insurance will not be accepted, and you may have to pay full costs.
The Green Plan and Blue Plan may differ in their per paycheck premiums, annual deductibles, and out-of-pocket maximums, but both plans offer the same services, copays, and coinsurance.
For more details, view the plan documents.
| Plan Features | Green Plan | Blue Plan | ||
| In-Network | Out-of-Network | In-Network | Out-of-Network | |
| Annual Deductible (The amount you must pay before the plan will pay for non-preventive care.) | ||||
| Individual | $1,500 | $3,000 | $850 | $1,700 |
| Family | $4,500 | $9,000 | $2,550 | $5,100 |
| Annual Out-of-Pocket Maximum 1 (The maximum amount you will have to pay out-of-pocket for the plan year.) | ||||
| Individual | $8,375 | $16,750 | $7,825 | $15,650 |
| Family | $16,750 | $33,500 | $15,650 | $31,300 |
| What You Pay After the Annual Deductible Is Met | ||||
| Preventive Care | $0 (no deductible) | Not covered | $0 (no deductible) | Not covered |
| Physician Office Visit | 20% | 40% | 20% | 40% |
| Outpatient Lab and X-ray Services 2 | $0 (no deductible) | 40% | $0 (no deductible) | 40% |
| Hospital Services | 20% | 40% | 20% | 40% |
| Urgent Care | 20% | 40% | 20% | 40% |
| Emergency Room 3 | $300 + 20% ($300 waived if admitted within 24 hours) | $300 + 20% ($300 waived if admitted within 24 hours) | ||
| Ambulance Services | 20% | 20% | ||
| Outpatient Therapy 4 | 20% | 40% | 20% | 40% |
| Chiropractic Services | 20% | 40% | 20% | 40% |
| Behavioral Health / Substance Abuse | 20% | 40% | 20% | 40% |
2 Most routine lab and X-ray services must be performed in an office or urgent care setting or at an independent lab facility. Excludes MRI, CT, and PET scans.
3 $300 waived if admitted to the hospital within 24 hours.
4 Includes outpatient physical, occupational, speech, and ABA therapy — subject to medical necessity review after 60 visits.
The Green Plan and Blue Plan include access to the following health and wellness benefits:
Quantum Health’s Chronic Condition Support Program includes 24/7 nurse support for specific diagnoses: asthma, diabetes, coronary artery disease (CAD), congestive heart failure (CHF), and chronic obstructive pulmonary disease (COPD). You may also qualify for $0 condition-specific medications.
Medical plan members also qualify for personalized tobacco cessation support at no cost. Quantum Health’s program offers 5 quit counseling sessions (per person) and nicotine replacement aids.
(Effective January 1, 2027)
See a licensed medical provider through Teladoc‘s virtual care services. Need to get common cold/flu symptoms diagnosed and treated? Want convenient access to a primary care physician (PCP)? Concerned about your mental well-being? Schedule unlimited $0 virtual care appointments at home or on-the-go.
(Effective January 1, 2027)
Onelmaging is the primary provider for reduced cost medical imaging (radiology) services for Lennox medical plan (e.g., MRI, CT scan, X-ray, ultrasound, and mammograms). Call Quantum Health for help locating a nearby imaging facility and scheduling an appointment.
Lantern will cover 100% of the costs related to your eligible non-emergent surgery (deductibles and coinsurance included). You’ll have direct access to top surgeons and high-quality surgical services when your procedure is approved. Pre-surgery phone consults with Lantern are required for joint and spine procedures (regardless of whether a Lantern or non-Lantern surgeon is chosen).
Relieve back, joint, and muscle pain with the Hinge Health $0 virtual physical therapy benefit — no referral required. Participants receive guided exercise plans, coaching, and wearable sensors at no cost.
Oshi Health $0 virtual digestive care clinic offers online consults for everyday common gastrointestinal (GI) symptoms. Your specialist care team can also help manage Gl disorders such as inflammatory bowel disease (IBD), Crohn’s, gastroesophageal reflux disease (GERD), and more – no referral required.
With Omada Health‘s $0 digital lifestyle support program, you can better manage diabetes and high blood pressure symptoms — no referral required. This benefit also includes the Omada For Prevention coaching program to help you maintain a healthy weight and prevent chronic conditions.
Virta Health‘s evidence-based tools can help eligible participants manage and reverse Type 2 diabetes without medication or surgery at no cost — no referral required. Free smart devices are provided.
Combined with recommended health screenings, GRAIL can help you detect 50+ cancer types before symptoms appear. To be eligible for the $0 GRAIL Galleri multi-cancer detection blood test, must be age 50+ or between ages 40-49 and considered high-risk by a doctor — no referral required.
In case of a cancer diagnosis, Carrum Health can provide 1-on-1 expert cancer guidance at no cost. This includes a including specialized review of your diagnosis and/or treatment plan with a oncology specialist. You will also have 24/7 access to oncology-certified nurses throughout your cancer treatment journey.
(Effective January 1, 2027)
Carrum Health offers affordable long-term recovery and support for substance use disorders. This benefit includes virtual counseling and in-person treatment at a local recovery center (if eligible).
Consider using a Flexible Spending Account (FSA) to save pre-tax money for eligible out-of-pocket medical, vision, dental, and/or dependent care expenses. Medical plan enrollment not required.
You can elect one or both FSAs during Open Enrollment in BenefitSource.
Health Care FSA (rollover eligible)
- 2027 Contribution Limit: $3,400 per year
Dependent Care FSA (use-it-or-lose-it)
- 2027 Contribution Limit: $7,500 per year ($3,750 if married filing separately)
If already participating and want to keep your existing FSA account active in the next plan year, you must re-elect the FSA during Open Enrollment. Funds are available in full on January 1.
NOTE: If you enrolled in plan year 2026 under Navia, your 2027 rollover FSA funds and direct deposit information will be automatically migrated when you create your online HSA Bank member account.
Whether you enroll in the Green Plan or Blue Plan, you MUST complete these steps each year to avoid extra monthly surcharges:
Certify Working Spouse Status
A $100 monthly Working Spouse surcharge will apply if you enroll a working spouse who is offered health coverage through their employer. If this does not apply and you wish to avoid the surcharge, answer “No” on the Working Spouse Status question in BenefitSource during Open Enrollment every year.
NOTE: If your spouse’s status changes, call (800) 284-4549 and submit a Working Spouse Affidavit.*
Confirm Tobacco Use
A $150 per person monthly Tobacco Use surcharge will apply if you and/or your covered spouse uses tobacco and enrolls in a Lennox medical plan. If this does not apply and you wish to avoid the surcharge, answer “No” on the Tobacco Use question in BenefitSource during Open Enrollment every year.
NOTE: If your/your spouse’s status changes, call (800) 284-4549 and submit a Tobacco Use affidavit.* Quantum Health has a dedicated program in place to help you and/or your spouse quit smoking.
Complete an Annual Health Screening
A $75 per person monthly Wellness surcharge will apply if you and/or your covered spouse enroll in a Lennox medical plan and 1) do not complete an annual health screening, and 2) do not meet or improve 3 out of 5 target health metrics by the next set deadline. To avoid this surcharge, visit the LIIveWell page.
NOTE: In the case of a medical condition or pregnancy, a screening waiver can be submitted.**
Monthly Surcharge Overview
In the event that you do not comply with one or more of the above actions, you and/or your covered spouse will be charged the extra monthly surcharges as outlined below:
| Monthly Surcharge | Employee | Covered Spouse |
| Working Spouse Status* | N/A | $100 |
| If Using Tobacco Products* | $150 | $150 |
| If You Fail to Complete an Annual Health Screening or Do Not Meet or Improve 3 of the 5 Measured Health Metrics** | $75 | $75 |
* If your or your covered spouse’s status changes during the year, you can submit an affidavit through BenefitSource.
** In the event you (or your covered spouse) are medically unable to meet the screening requirements (achieving at least 3 out of 5 health metrics or complete the full health screening), your physician may fill out and sign a Medical Waiver form on your behalf. If you or your spouse is pregnant, you must submit a Pregnancy Waiver form.
If you decide to retire from Lennox after age 65 and are already enrolled in Medicare (Parts A & B), you can continue COBRA coverage, as well as having Medicare (Medicare coverage will be primary).
If your employment ends at Lennox, the COBRA Program gives you the option to keep your medical, dental, vision, Health Care Flexible Spending Account (FSA), and the Employee Assistance Program (EAP) benefits active for a maximum 18 months.
Please reach out to Sue Manno at Sue.Manno@lennox.com if you require assistance for either situation.
Additional Information
Lennox – Medical Plan Documents
2027 Costs
Lennox – Working Spouse Affidavit
Lennox – Tobacco Use Affidavit
Quantum Health – Your Healthcare Navigators
Transparency In Coverage Rule
In compliance with the Transparency in Coverage Rule, through UnitedHealthcare, UMR creates and publishes the Machine-Readable Files on behalf of Lennox International Inc. The Transparency in Coverage Rule requires that group health plans post publicly available machine-readable files that include in-network negotiated payment rates and historical out-of-network charges for covered items and services. While these files are accessible to all, the file itself is large and written in JSON, which is a machine-readable language, and not easily interpreted or searchable. To link to the Machine-Readable Files, please click transparency-in-coverage.uhc.com.