What are the health insurance options for T-Mobile employees?

T-Mobile’s medical plans include:

• Copay Only Plan
• Health Savings Account (HSA)
• Health Reimbursement Account (HRA)
• Exclusive Provider Organization (EPO)

Hawaii employees have some other options.

T-Mobile provides a decision tool to help choose among the options during open enrollment.

What is a Healthcare Flexible Spending Account (FSA)?

A Healthcare Flexible Spending Account (FSA) is a tax advantaged way to pay medical expenses. Contributions are not subject to federal income tax.

However, there’s a catch. A Flexible Spending Account is essentially “use it or lose it.” Some funds can be rolled over from one year to the next. The rest are lost. That’s why it’s called a “spending” account.

It generally makes sense to use funds which would otherwise be lost.

What is a Health Savings Account (HSA)?

A Health Savings Account (HSA) isn’t “use it or lose it.”

Funds contributed to a Health Savings Account can:

• roll over from year to year,
• be invested for long-term growth, and
• move with the employee if they leave T-Mobile.

HSAs contributions have a unique triple tax advantage in that they:

• avoid tax on the front end,
• grow tax-free, and
• can be withdrawn tax-free for qualifying medical expenses

The biggest drawback is that only someone on a qualifying High Deductible Health Plan (HDHP) can contribute. That could be more expensive for individuals and families with high medical expenses.

To learn more, check out: Pros and Cons of a Health Savings Account

What do T-Mobile’s dental and vision plans cover?

The dental plan pays for:

• 100% of most preventative care
• 80% of basic care
• 50% of major services/orthodontia

The vision plan pays for:

• eye exams ($5 copay)
• lenses and frames (up to $200 per year, $25 co-pay)
• contact lenses (up to $200 per year without a copay)

If leaving T-Mobile, it generally makes sense to use funds which would otherwise be forfeited.

What are T-Mobile’s life and AD&D options?

T-Mobile automatically provides life and Accidental Death & Dismemberment (AD&D) insurance of 1.5x annual base pay and commissions.

Voluntary Life and AD&D insurance are available for purchase up to 8x. Higher amounts may require underwriting (medical exam, etc.)

Source:
T-Mobile 2025 Benefits Guide

What are T-Mobile’s disability insurance?

T-Mobile automatically covers 180 days of short-term disability at 85% of pay (with a one week unpaid waiting period).

After that, T-Mobile’s long-term disability may cover 50% of the employee’s monthly pay. A bit higher percentage is available for purchase.

Adequate life and disability insurance can be critical - especially for younger families. Disability is more common than death. Expenses could rise while income falls.

For more, check out:
How Disability Insurance Works!