Medical and Prescription Insurance
We offer different types of medical plans. Our benefits portfolio includes two High Deductible Health Plans (HDHP) which offer a combination of low monthly premiums and a high annual deductible. Under these medical plans, both medical and prescription drug expenses apply to the plan deductible. These HDHP plans can be paired with a Health Savings Account (HSA). The HSA can be used to pay for the annual deductible and any out-of-pocket covered medical costs.
Union Pacific also offers a Preferred Provider Organization (PPO) plan which has a lower medical deductible but a higher premium. This plan also includes a prescription benefit which is based on coinsurance.
All of our medical plans include preventive care covered at 100% with no deductible.
Union employee benefits plans are determined through collective bargaining agreements and are unique to each respective union and operating area.
The information on this Web site is subject to change at the sole discretion of Union Pacific and its subsidiaries. Not all Union Pacific Corporation or Union Pacific Railroad benefit programs are available to employees of subsidiaries.