A smiling doctor wearing a white coat and stethoscope offers her patient a fresh apple while they talk comprehensive care

Medical & pharmacy

Mortenson provides comprehensive medical and prescription drug coverage. Medical coverage is provided by UnitedHealthcare and prescription drugs are through OptumRx. If you enroll in medical coverage it also includes prescription coverage, vision coverage, short-term disability, and life insurance. You will have access to the Choice+ provider network. You can contact the Mortenson CareConnect team, a group of dedicated experts to assist team members and their families families with any benefits related questions at 1-833-209-6462.

Learn more about when to call CareConnect.

Find more information on your medical & pharmacy plan as well as all of your other benefits in the Benefits Summary

Benefit overview

Medical co-pays

For certain services such as doctor visits, urgent care visits, specialist visits and prescriptions, you will pay a set co-pay amount listed below.

  • $20: Primary care doctor visit
  • $40: Specialist visit
  • $50: Urgent care visit
  • $300-plus deductible and coinsurance: ER visit

Virtual Visits: you will also pay $0 for Virtual Visits.

Services not subject to co-pays

For services not subject to co-pays (inpatient and outpatient hospital stays, surgeries, X-rays, etc.) your claims will run through the plan design below.

Your Deductible

  • You pay for covered services until you meet your deductible. Co-pays are not included in your deductible.
  • $1,500 per person up to a maximum of $3,000 per family. For example, one individual will not pay more than $1500 however all family members can contribute to the family deductible of $3000.

Your Co-insurance

  • You pay 15% for healthcare services after you meet the deductible. Mortenson pays 85%.

Your Out-of-Pocket Maximum

  • This is the most you pay in a calendar year. After this amount, Mortenson pays 100%.
  • $4,000 per person up to a maximum of $8,000 per family (includes deductible, co-insurance and copays). For example, one individual will not pay more than $4,000 out-of-pocket, however all family members can contribute to the family out-of-pocket maximum of $8,000.

Other medical plan information

Fill your prescription two ways

  1. Choose from thousands of network retail pharmacies by visiting the OptumRx website
  2. Take advantage of the convenience of OptumRx home delivery.

Learn about covered medications

UnitedHealthcare Prescription Drug List (PDL) – Advantage 3 Tier

The UnitedHealthcare Prescription Drug List (PDL) is a list of commonly prescribed medications that are covered by the plan. The PDL is organized by cost levels, known as tiers. Choosing medications in the lower tiers may save you money.

Advantage PDL Tier Look Up tool on the OptumRx website.

Prescription co-pays

  • $5: Tier 1 medications
  • $50: Tier 2 medications
  • $100: Tier 3 medications

Once you enroll in coverage, refer to myuhc.com® website for the most accurate details around the cost and tiering of your medication(s).

Preventive medications

Medications considered to be preventive have $0 cost. To determine if your medication is preventive please review details within the Advantage PDL Tier Look Up tool on the OptumRx website.

Save on your medications

Use home delivery.

Up to a three-month supply of your medications will ship free to your home, often at a lower cost than retail. You also get 24/7 phone support, medication refill reminders and more. And it saves you trips to the pharmacy.

Use network pharmacies.

You will get your plan’s best price for your medication if you use a network pharmacy. Our network includes thousands of pharmacies across the country.

2024 Medical, Pharmacy, Vision, and Disability Weekly Rates

Coverage LevelMedical, Pharmacy and Vision, Weekly Rates
Team Member$26.74
Team Member + Spouse$68.53
Team Member Plus Child(ren)$61.41
Family (Team Member Plus Spouse Plus Child(ren))$99.40
Single Plus Domestic Partner1$68.53
Single with Child(ren) Plus Domestic Partner 1$99.40
Single Plus Domestic Partner with Child(ren) 1$99.40

1. Team members who cover their domestic partner and/or domestic partner’s child(ren) are responsible to pay income taxes on the value of the domestic partner benefit. Please consult a tax advisor if you have any questions about the tax treatment of your domestic partner benefits. All domestic partners must be certified with the HR Service Center.

You have options on where to go for care. The emergency room (ER) is the right place to go in a real emergency, but that’s not always the level of care you need.

You may want to explore your options, including 24/7 Virtual Visits.

Not sure where to go for care? See our Quick Care Guide or call CareConnect at 1-833-209-6462, from 8 a.m. – 8 p.m. CT, to speak to someone who can help.

Compare your health care options

The following information shows important things to know and a high-level cost estimate associated with services at the different places of service:

Places of Service and Network CostSymptoms
24/7 Virtual Visits

Network Cost: $0
Cold, flu, fever, pink eye, sinus infection

Consult with a provider 24 hours a day, 7 days a week, about minor health conditions including prescription needs. Visit the 24/7 Virtual Visits page on myuhc.com® website  or download the UnitedHealthcare® app on the App Store®  or on Google Play™ 
Primary care physician

Network Cost: $20
Routine care, immunization, preventative care

Your primary care physician knows you and your health history. Choose this doctor for preventive and routine care, medication management and referrals to specialists.
Convenience care clinic

Network Cost: $50
Skin rash, minor injuries, earache

Often located in malls and retail stores, convenience care clinics offer care for minor health conditions.
Urgent care center

Network Cost: $50
Back pain; respiratory (cough, pneumonia, asthma, stomach (pain, vomiting, diarrhea), minor injuries (burns, stitches, sprains)

With extended hours and walk-in care, urgent care centers are for nonemergency, urgent medical concerns. To find a network center, visit the myuhc.com® website  or download the UnitedHealthcare® app on the App Store®  or on Google Play™ 
Emergency room (ER)

Network Cost: $300+ deductible and co-insurance (copay waived if admitted)
Chest pain, shortness of breath, major burns, severe asthma attack, severe injuries, kidney stones

The Emergency Room is only for serious and life-threatening medical situations. If you’re experiencing an emergency, dial 911 or go to the Emergency Room. Otherwise, choose a more appropriate care setting.

Take it with you. Try the UnitedHealthcare® app.

Whether you need to find urgent care, you forgot your health plan ID card or you need to call customer service, the UnitedHealthcare app helps put your insurance information in the palm of your hand.

Just download the app to:

  • Check your deductible.
  • Find nearby care options in your network.
  • Estimate costs.
  • View and share your health plan ID card.
  • See your claim details and view progress toward your deductible.

Click to download the UnitedHealthcare® app on the App Store®  or Google Play™.

A dental hygienist adjusts the position of the x-ray machine to better capture an x-ray of a patient's teeth


Team members can choose to enroll in dental coverage for themselves and their families through Delta Dental of Minnesota. This is a separate election from medical.

Benefit overview

For questions regarding dental insurance or to find an in-network provider, please contact Delta Dental of MN at 1-800-448-3815 or visit the Delta Dental of Minnesota website . Click to download the Delta Dental Mobile app on the App Store®  or on Google Play™ .

PPO and PremierCoverage Levels
Calendar year deductible$25 per individual; $75 per family
Maximum calendar year benefit
$1,500 per each covered person
Diagnostic and Preventive Service (checkup and cleanings)100%
Basic Service (fillings)
80% / 20% coinsurance after deductible​
Endodontics (nerve or pulp treatment)80% / 20% coinsurance after deductible​
Periodontics (gum and bone treatment)80% / 20% coinsurance after deductible​
Oral Surgery (tooth, tissue or bone removal)80% / 20% coinsurance after deductible​
Prosthetic Repairs and Adjustments80% / 20% coinsurance after deductible​
Major Restorative Services (crowns)50% / 50% coinsurance after deductible​
Prosthetics (dentures, partials and bridges)50% / 50% coinsurance after deductible​
Orthodontics (children ages 8-18 only)50% (lifetime maximum $1,500 per covered dependent child)

For more information, you can review the Delta Dental Summary Plan Description (SPD)

Coverage LevelDental Weekly Rate
Team Member$2.77
Team Member Plus Spouse$4.85
Team Member Plus Child(ren)$5.08
Family (Team Member Plus Spouse Plus Child(ren))$8.08
Single Plus Domestic Partner 1$4.85
Single with Child(ren) Plus Domestic Partner 1$8.08
Single Plus Domestic Partner with Child(ren) 1$8.08
  1. Team members who cover their domestic partner and/or domestic partner’s child(ren) are responsible to pay income taxes on the value of the domestic partner benefit. Please consult a tax advisor if you have any questions about the tax treatment of your domestic partner benefits. All domestic partners must be certified with the HR Service Center.
An optometrist consults with his patient in the examination room after completing her vision test


Team members and their dependents who enrolled in the medical plan automatically get enrolled in a vision plan administered through VSP®. 

Benefit overview

Team Members have access to a vision plan administered by Vision Service Plan® (VSP®).

The vision plan includes an annual exam costing only $10 and discounts and allowances for glasses or contacts within the plan year. 

At your appointment tell the provider’s staff you have VSP. You don’t need an ID card, but if you want one as a reference you can print one by logging into your VSP account on the VSP Member Portal website.

To review benefit information and find a vision provider visit the VSP website or call 1-800-877-7195.

Vision plan administered by VSP®

Vision Exam$10 copay$45
Frames$20 copay then covered at 100% up to $150 allowance every 2 years

20% discount on average and 20% off additional pairs
Lens2100% coverage for: single vision, lined bifocal, lined trifocal, or lenticular$30, Single vision lens

$50 lined bifocal lens

$65 lined trifocal lens
Lens EnhancementsTints: 100% coverage

Standard progressive: 100% coverage

Polycarbonate: Children – 100% coverage; Adult – $31/$35 copay

Anti-reflective: $41 copay

Photochromic: $70/$82 copay

Scratch Resistant: $17 copay
Contact lenses2100% coverage up to $150 allowance
(15% discount on contact lens fitting)
  1. Based on reimbursement schedule
  2. Choice between frame plus lens or contacts
A young woman sits on a couch and hugs her knees to her chest. She looks sad and pensive as she stares into space

Mental health

Mental illness – including anxiety, depression, suicidal thoughts and more – affects an estimated 1 in 5 adults. Mental illness is not only common, but it is treatable.

Benefit overview

Taking care of your mental health is more important than ever. Spring Health, a mental health and wellness benefit, makes it easy for you and your family to get high-quality support when and where you need it. Spring Health is available at NO cost to Mortenson team members (non-union, union, non-craft, craft), spouses, domestic partners and children (age 6-26).

Spring Health offers access to:

  • Free Therapy – Get up to 8 therapy sessions per year for you and every member of your family, at no cost to you. See a therapist is less than 2 days!
  • Personalized care – Take a short online assessment to get a personalized care plan based on your current needs and long-term goals.
  • Dedicated support – Connect with your Care Navigator at any time. Care Navigators are licensed mental health professionals who can help you find the right therapist, schedule appointments, provide guidance, and check in with you along the way.
  • Diverse providers – Find a therapist you can relate to. Search by condition, specialty, gender, race, language and more.
  • Wellness exercises – Get on-demand access to a digital library of self-guided exercises designed to improve your mental wellbeing.
  • Work-life services – Talk to experts and find resources for legal assistance, financial services, child and elder care, travel, and more (work-life code: mortenson)
  • Medication management – Meet with prescribers who can manage many of your medications during care as needed.
  • Coaching – Connect with a professional coach to help you set and achieve tangible goals, build new skills, and develop healthier habits

To take advantage of this valuable benefit, call 1-855-629-0554, visit mortenson.springhealth.com, download the “Spring Health Mobile” app, or email careteam@springhealth.com.

Learn more about Spring Health from the All Team Member training here – Introduction to Spring Health

Review the Spring Health Handout – Bilingual here.

Mortenson team members, spouses, and dependents enrolled in the UnitedHealthcare medical plan have access to a whole spectrum of mental health professionals through UnitedHealthcare.

Contact Mortenson CareConnect team at 1-833-209-6462 to learn more about your options or find more information on the medical plan section of this site.

Call the Substance Use Disorder Hotline at 988.

  • 24-hour access to a free, confidential and anonymous substance telephonic recovery advocates who listen, offer support and can help develop personalized recovery plans.
  • Available when you or a loved one are concerned about an excessive and/or compulsive use of alcohol, drugs or medications.

Have Questions? Call Mortenson CareConnect 833-209-6462 .

Contact Us