Annual Benefits Open Enrollment October 26 – November 16, 2026

Medical

Shake Shack offers four comprehensive medical plans through UnitedHealthcare: three Preferred Provider Organization (PPO) plans with copays and one high deductible plan (HDHP) that can be paired with a Health Savings Account (HSA):

  • HDHP with HSA
  • Basic Plan
  • Plus Plan
  • Premier Plan

All four medical plans have in- and out-of-network coverage, cover the same medical services, and cover in-network preventive care at no cost. Shake Shack offers coverage for domestic partners and dependents under the medical plan options.

Save Money by Staying in Network

Visiting providers who are part of the UHC Choice Plus network can significantly reduce your out-of-pocket costs.

Which Medical Plan is Right for Me?

When selecting a medical plan, you’ll want to consider whether you want to pay more out of your paycheck and less when you receive care, or less out of your paycheck and more when you actually receive care. The descriptions below can help you choose the plan that makes the most sense for you and your family:

High Deductible Health Plan with HSA
• Affordable premiums
• Value shoppers
• Generally healthy, low utilizers
• Financially-strategic members who want to minimize taxable income
• Members willing to take on the risk of a higher deductible and sharing in the cost of care through coinsurance after meeting the deductible
Basic Plan
• Affordable premiums
• More risk-averse – copays for certain services with no deductible, but high deductible for other services, which you must meet before sharing in the cost of care through coinsurance
• Those who just want coverage for the lowest premium
Plus Plan
• Risk-averse members who want substantial coverage
• Cost-conscious but willing to pay for the comfort of a richer plan
• Moderate healthcare users
Premier Plan
• Risk-averse members who want substantial coverage
• Will pay any cost in order to have the richest plan
• Heavy healthcare users

Compare Plans with Confidence

Get support from Prepare Benefits: live enrollment support that can help you better understand the options available to you during enrollment, so you can choose the best plan for you and your family. Get started by calling 202.753.9444 to talk to a benefits counselor Monday through Friday between 9am and 8pm EST, available starting on October 26.

Medical Coverage

Coverage and Team Member contributions for the Shake Shack medical plans are outlined below. Team Members can elect the medical and prescription drug plan without enrolling in the dental or vision plans. For additional details on the plan, see the Benefits Summary on the Resources page.

Deductible
Individual
Family
Coinsurance
Out-of-pocket maximum
(includes deductible)
Preventive care
Virtual care
Office visit
Specialist
Emergency room
Urgent care
Inpatient care
Outpatient care
Chiropractic
X-Rays
(Physician/
Hospital)
Complex Imaging
HDHP with HSA
In-network
$3,500
$7,000
30%
$7,000
$14,000
100% covered
100% covered
30%*
30%*
30%*
30%*
30%*
30%*
30%*
30%*
30%*
HDHP with HSA
Out-of-network
$7,000
$14,000
50%
$14,000
$28,000
50%*
50%*
50%*
50%*
30%*
50%*
50%*
50%*
50%*
50%*
50%*
Basic Plan
In-network
$5,000
$10,000
50%
$9,200
$18,400
100% covered
100% covered
$30 copay
$50 copay
$250 copay
$50 copay
$250 copay + 50%*
50%*
$50 copay
$30 copay / 50%*
50%*
Basic Plan
Out-of-network
$10,000
$20,000
50%
$18,400
$36,800
50%*
50%*
50%*
50%*
$250 copay
50%*
$250 copay + 50%*
50%*
50%*
50%*
50%*
Plus Plan
In-network
$2,000
$4,000
20%
$5,000
$10,000
100% covered
100% covered
$30 copay
$40 copay
$250 copay
$40 copay
$175 copay + 20%*
20%*
$40 copay
100% covered / 20%*
20%*
Plus Plan
Out-of-network
$3,000
$6,000
50%
$8,000
$16,000
50%*
50%*
50%*
50%*
$250 copay
50%*
$175 copay + 50%*
50%*
50%*
50%*
50%*
Premier Plan
In-network
$750
$1,500
10%
$3,000
$6,000
100% covered
100% covered
$20 copay
$30 copay
$175 copay
$40 copay
$175 copay + 10%*
10%*
$30 copay
100% covered / 10%*
10%*
Premier Plan
Out-of-network
$1,500
$3,000
50%
$6,000
$12,000
50%*
50%*
50%*
50%*
$175 copay
50%*
$175 copay + 50%*
50%*
50%*
50%*
50%*

*After deductible

Team Member
Team Member + Spouse
Team Member + Child(ren)
Family
HDHP with HSA
Weekly Contributions
$34.54
$135.87
$66.04
$148.98
Basic Plan
Weekly Contributions
$34.25
$137.13
$65.62
$149.43
Plus Plan
Weekly Contributions
$64.63
$196.59
$120.77
$235.41
Premier Plan
Weekly Contributions
$92.23
$247.14
$170.70
$310.92

Medical Resources

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Find a Medical Provider

To maximize your benefits and save on costs, be sure to visit providers and facilities who are part of the UHC Choice Plus network. To find a provider:

  1. Log in to myuhc.com using your username and password
  2. Select “Find Care”
  3. Select “Medical Directory”
  4. Select “People”

You can also use UHC’s chat feature in the app or online to get assistance finding a provider, among other things. Only in-network doctors are visible when you’re signed in.

Preventive Care

When you make time for an annual check-up, you’re taking control of your wellbeing and making the most of your benefits. Preventive care keeps you healthy and helps keep out-of- pocket medical expenses low. If you are covered under one of Shake Shack’s medical plans, in-network preventive care is at no cost to you! Examples of preventive care include:

  • Vaccinations
  • Annual physicals
  • Biometric screenings
  • Pregnancy care
  • Age-related cancer screenings
Understand Medical Plan Lingo

We know not everyone understands the lingo, so here are some important terms to know as you decide which medical plan to choose, as well as how to use it during the year:

  • Copay: A copay is the fixed amount you pay for a covered health care service (e.g., a primary care physician’s office visit or an emergency room visit).
  • Deductible: Your annual deductible is the amount you pay for office visits, prescription drugs, and other covered services before your plan begins sharing the cost.
  • Coinsurance: Coinsurance is the percentage you and your plan each pay when you’re sharing costs. Coinsurance kicks in after you meet your annual deductible.
  • Out-of-Pocket Maximum: The most you pay in a year for health care services is called the out-of-pocket maximum. After you reach the out-of-pocket maximum, the plan covers 100% of eligible services for the remainder of the plan year.

Covered at 100%

Annual physicals, routine screenings, and many preventive services are covered at no cost* when you see an in-network provider.

*Additional cost may apply when non-preventive care services are ordered. Confirm that your physician submits the claim as a preventive care visit.

Choosing the Right Place for Care

Care Option

Emergency Room
Urgent Care
Office Visit or Primary Care Provider
Virtual Visit
Preventive Care
Best For
True emergencies or symptoms that need immediate, serious care
Non-life-threatening issues that need care quickly
Routine care, ongoing health management, and non-emergency illnesses
Minor illnesses that can be treated by phone or video
Routine checkups and screenings to help you stay healthy
Common Examples
Broken bone, chest pain, shortness of breath
Bladder infection, broken bone, bronchitis, COVID-19 symptoms, muscle ache/sprain, stomach pain
Allergies, bladder infection, bronchitis, cough, COVID-19 symptoms, earache, fever, flu/common cold, migraine/headache, muscle ache/sprain, pink eye, sinus infection, skin rash, sore throat, stomach pain, yeast infection
Allergies, bronchitis, cough, earache, fever, flu/common cold, migraine/headache, pink eye, sinus infection, skin rash, sore throat, yeast infection
Annual check-ups, biometric screening, etc.
Cost
$$$$
$$$
$$
$0 for ALL medical plans when you see an in-network provider
$0*

*Additional cost may apply when non-preventive care services are ordered. Confirm that your physician submits the claim as a preventive care visit.

At-Home Cancer Screenings – Color

With Color, evaluating your cancer risk is convenient and hassle-free with cancer screenings delivered right to your door. Color provides support every step of the way, from early detection and treatment through survivorship.

Team Members and dependents (ages 18+) who are enrolled in a Shake Shack medical plan can use Color at no additional cost.

How Color Works

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Risk Assessment & Screenings

Complete a personalized health questionnaire to understand your cancer risk. If eligible, you’ll receive free at-home screening kits for:

  • Colorectal cancer (stool test)
  • Prostate cancer (blood test)
  • Cervical cancer (urine test)
  • Genetic testing (saliva test for hereditary risk)

For screenings that can’t be done at home, Color will help schedule appointments – with no cost to you when using in-network providers.

Support After Diagnosis

If you’re diagnosed with cancer, Color provides:

  • Guidance from top-tier oncologists and oncology nurses to help you understand treatment options and prepare questions for your care team.
  • Help from care advocates to coordinate appointments, find in-network providers, and navigate financial concerns like transportation and lodging.
  • Access to peer-led support groups for emotional support and community connection.

Stay Ahead of Cancer

Activate your account by visiting color.com/shakeshack, and you’ll be notified once you can begin your screening journey with Color.

UHC Tools & Resources

As part of medical coverage, all UHC medical plan participants have access to a variety of programs and services to help make their lives easier – and healthier.

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myuhc.com

With myuhc.com, you can find in-network doctors and facilities, check claims, view your benefits, and print or view your member ID card – all in one place, 24/7. The site also provides access to your Explanation of Benefits (EOBs), the myHealth Cost Estimator tool to compare treatment costs, and a variety of wellness resources to support your overall well-being.

  • Pre-Enrollment: Compare plan offerings, see tools and resources, and find prescription drug information at whyuhc.com/shakeshackenterprises.
  • Post-Enrollment: Go to myuhc.com and click “Register Now” to set up your account. Be sure to have your ID card or your Social Security number and DOB handy.
Virtual Visits

Connect with a doctor anytime – day or night – with 24/7 virtual care. Choose from trusted provider sites where you can register and receive treatment on your schedule, all from the comfort of home. Plus, when you see an in-network provider for your virtual visit, you pay $0! To use virtual care through UHC:

  • Go to myuhc.com or UHC’s mobile app
  • Navigate to the “Find Care” section
  • Select the “Virtual Care” option
  • Choose the type of care you need (primary care, dermatologist, behavioral health, women’s health, etc.)
Behavioral Health Support – Calm Health

Calm Health is the #1 app for meditation and sleep – designed to help lower stress, reduce anxiety, and more. UHC medical plan participants and your covered family members can access all the great features of Calm Health at no cost, including:

  • The Daily Calm, exploring a fresh mindful theme each day.
  • More than 100 guided meditations.
  • Sleep Stories to soothe you into deeper and better sleep.
  • Soundscapes to help relax, sleep, work, or study.
  • Video lessons on mindful movement and gentle stretching.
  • And more!

Go to uhc.app/calm to get started.

Fertility and Family Planning – Maven

UHC partners with Maven to support all of your fertility and family planning needs. Your Maven Care Advocate meets you wherever you are on your family planning journey – from pre-conception to post-partum – and offers you access to on-demand providers, peer support groups, and engaging content. Both you and your partner are eligible to participate in the Maven program at no cost.

Participating members have access to Maven’s digital platform, which includes:

  • Dedicated Care Advocate to help navigate through pregnancy
  • Access to diverse resources, including 24/7 virtual specialist providers
  • Support three months post-partum, including return-to-work planning
  • Miscarriage and loss support
  • And more

To start using Maven, download the Maven mobile app or visit mavenclinic.com.

Health and Fitness – One Pass Select

Team Members enrolled in one of the UHC medical plans have access to One Pass Select, a health and fitness discount program. You can choose the membership tier that fits your lifestyle and access a multitude of on-site gyms, digital fitness videos, grocery delivery services, and more.

Membership prices vary by tier – view membership options and enroll at onepassselect.com.

Access Your Plan from Anywhere with the UnitedHealthcare Mobile App

Access your health plan information on the go with the UnitedHealthcare mobile app. Download for free to use all the myuhc.com features right from your mobile device – anytime, anywhere.