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All eligible Wendy’s employees have three Consumer Driven Health Plans (CDHPs) to choose from. All of the plans come with a Health Savings Account (HSA) with money that Wendy’s contributes to help cover your medical expenses. Learn how the HSA works.
You pay for coverage through payroll deductions taken out of your biweekly paycheck before taxes. Here’s what happens when you need a medical service during the year:
- First, you pay. You’ll pay for health care expenses (except for some preventive care expenses) using either the money in your HSA or directly out-of-pocket until you meet your deductible, which is a set dollar amount, before Wendy’s begins to share costs.
- Then, you and Wendy’s share costs. After you meet your deductible, Wendy’s pays the larger share of your eligible health care expenses, and you pay the remaining amount. How much you pay depends on the plan you are enrolled in. The percentage you will be asked to pay when you receive care is called coinsurance.
- Finally, Wendy’s picks up the rest. Once you meet your out-of-pocket maximum, which is the most you’ll pay from either your HSA or directly out-of-pocket in a calendar year, Wendy’s covers the rest of your eligible medical expenses. You don’t pay anything for the rest of the year.
Comparing the Plans
| 2025 Plan Year | MyChoice 90 | MyChoice 80 | MyChoice 70 | ||||
| Biweekly Cost of Coverage1 You can save up to $15 per biweekly paycheck! Tobacco free? Save $10. Registered for Sydney Health? Save $5. See below for details. |
|||||||
| Employee Only | $119 | $89 | $47 | ||||
| Employee + Spouse/DP | $273 | $205 | $152 | ||||
| Employee + Child(ren) /Child(ren) of DP | $226 | $170 | $126 | ||||
| Employee + Family/DP Family | $380 | $286 | $212 | ||||
| Deductible | Individual | $1,650 | $2,000 | $2,500 | |||
| Family | $3,300 | $4,000 | $5,000 | ||||
| Each Family Member2 | $3,300 | $4,000 | $5,000 | ||||
| Out-of-Pocket Maximum6 | Individual | $3,000 | $5,000 | $6,000 | |||
| Family | $6,000 | $10,000 | $12,000 | ||||
| Each Family Member7 | $4,000 | $5,000 | $6,000 | ||||
| Coinsurance | In-Network | 10% | 20% | 30% | |||
| Out-of-Network5 | 50% | 50% | 50% | ||||
| Wendy’s HSA Contribution3, 4 | Individual | $250 | $300 | $400 | |||
| Family | $500 | $600 | $800 | ||||
| LiveHealth Online Visit with a board-certified doctor or licensed therapist anytime, anywhere through LiveHealth Online. |
$59 | ||||||
| Preventive Care In-network checkups, vaccines and screenings are always free. For more information, take a look at this list of covered preventive care services. |
In-Network | 0% (It’s free!) | |||||
| Out-of-Network5 | 50% | ||||||
| Non-Emergency Care at the Emergency Room (ER) You’ll pay more if you go to the ER for non-urgent conditions. |
In-Network | 50% | |||||
| Out-of-Network5 | 50% | ||||||
2 If you enroll in family coverage, you will have two deductibles: one for the whole family and one for each individual family member. If one family member meets the individual deductible, the plan will start sharing costs for his or her care, even if your family deductible has not been met.
3 Wendy’s contributions to your HSA are prorated based on your hire date.
4 HSAs are available to all eligible employees who enroll in a Wendy’s medical plan. Once you select a medical plan, you will be asked a few questions that will determine whether you’re eligible for an HSA. If you are not eligible for an HSA, you will automatically be enrolled in a Health Reimbursement Account (HRA). Wendy’s contributes the same amount to an HSA or HRA.
5 Out-of-network benefits are paid based on the reasonable and customary (R&C) charge. You are responsible for any amount over the R&C charge, even after you reach your out-of-pocket maximum.
6 The amount you pay toward meeting your deductible counts toward your out-of-pocket maximum.
7 If you enroll in family coverage, you will have two out-of-pocket maximums: one for the whole family and one for each individual family member. If one family member meets the individual out-of-pocket maximum, the plan will begin to cover the full cost of his or her care, even if your family out-of-pocket maximum has not been met.
Not sure which medical plan is right for you?
Our online benefit guide, the estimator tool, can help. The estimator tool will guide you through a few easy questions about your family’s health care needs. Then, she’ll show you personalized cost estimates for each medical plan based on the information you’ve provided. Visit My.BenefitsNow.com to get started.
Save with Premium Discounts
You can save $15 per biweekly paycheck by making healthy choices. The savings can really add up — $390 per year!
When you register for Sydney Health, you will earn a $5 premium discount in each biweekly paycheck. If you’re already registered, you will automatically receive the $5 discount. Learn More.
Then, when you enroll in Wendy’s medical coverage, certify that you (and any covered family members) are tobacco free to save an additional $10 in premiums each biweekly paycheck. (Remember, e-cigarettes count as a tobacco product.) You cannot change your tobacco status during the year. If you quit — that’s great! You will be eligible for the discount the next year.
Resources to Save You Time and Money
Wendy’s offers a number of tools to help you save money and make the most of your medical coverage. They help you to get the right care in the right setting, with resources like NurseLine for middle-of-the-night fevers and LiveHealth Online for virtual visits with a doctor wherever you are. Learn more about helpful resources.
Choose to Cover Your Domestic Partner
Your family is our family. We offer medical coverage to your Domestic Partner and his or her children. There are two important things to keep in mind:
- If you enroll your Domestic Partner and/or his or her children, the benefits are usually not tax-advantaged and imputed income may apply.
- You may use HSA or HRA funds to pay or reimburse medical expenses only for federal tax dependents. If your Domestic Partner and/or his or her children are not federal tax dependents, you cannot use HSA or HRA funds toward their medical expenses.
Please consult your tax advisor for how this may impact you.
Cancer Care Engagement
Wendy’s medical plans include Anthem Cancer Care Engagement to support members diagnosed with cancer. Patients are matched with an expert physician who will provide a FREE second opinion about their diagnosis and treatment plan. Contact Anthem to get started.
Anthem Inclusive Care
LGBTQ+ members have access to this no-cost program. Anthem Inclusive Care helps you find providers and facilities better-equipped to offer compassionate, high-quality LGBTQ+ health care, including gender reassignment. Learn More.
Find Other Health Care Coverage
Wendy’s offers a FREE service that can help you identify if you are eligible for financial assistance from the government public medical exchanges or determine your and your family’s Medicaid eligibility. This can help you decide if the Wendy’s medical plan is the best choice for you. Click here for more information or visit HealthSherpa online or call 855.880.4017.