Benefits|Caterpillar

Medical: South Milwaukee Production Employees

Caterpillar offers a PPO option through UnitedHealthcare (UHC). The plan is self-funded, which means that Caterpillar pays (along with the employee premiums collected) the costs of the plan. UHC administers the medical claims, but doesn't insure the benefits under the plan.

Choosing in-network providers and generic medications, when available and appropriate for your situation, reduces costs for you, the plan and Caterpillar.

TIP: Before getting services, it's always a good idea to check your coverage with your health care carrier. To review your current health care plan information, visit the Caterpillar Health Enrollment Center.

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Using your benefits

USING YOUR BENEFITS - Tips to maximize your benefits AND your health

Use in-network providers and save
You'll save money when you use in-network providers. UHC has negotiated significant discounts with certain providers. The choice is yours, but if you use an out-of-network provider, you'll have to pay a much higher portion of the bill.

Get your annual check-up (they're not just for kids!)
Certain wellness and preventive care services are 100% covered if you use an in-network provider. That means you don't have to pay copays or coinsurance for them. Save money, save time and save your health with early detection and prevention by making sure to:

Schedule annual wellness exams and regular dental cleanings
Get recommended screenings and immunizations
Preventive Care Visit vs. Office Visit

Investigate your treatment options
Talk with your doctor - there's nothing wrong with asking questions.

What are the risks of this test/drug/procedure?
Are there other options?
How much does it cost? (You may need to contact UHC for this one.) Just like any other major expense, it doesn't hurt to do price comparisons.
For prescriptions: Is there a generic version that would work as well as the brand version?

Know where to go and when
For routine, preventive or non-urgent care, it's best to see your primary care physician. And, of course, when you're experiencing a life-threatening illness or injury, call 911 and/or go to the emergency room.

But when your condition isn't an emergency and you can't get in to your regular doctor's office, consider this less-expensive option: convenience care/urgent care clinics. Review your healthcare plan's provider directory to see which clinics are in your network.

Participate in wellness offerings at work

Caterpillar Total Health provides free wellness exams to eligible employees at certain ages.
Wellness Services offers several health and wellness programs and resources through the year, such as a library of great resources and periodic events.
Many Caterpillar facilities offer annual flu shot clinics.
The Employee Assistance Program offers free, confidential personal support resources for work/life issues.

Frequently asked questions

View the 2024 Benefits Summary (effective Jan. 1 - Feb. 29, 2024)

View the 2024 Benefits Summary (effective March 1, 2024)