Your employer offers medical plans with both in- and out-of-network options that are flexible enough to fit you and your family’s needs. Plans may include additional benefits like prescription drug coverage and special health/wellness programs to help meet your wellness goals. Read the plan brochure for more details.

Aetna

  • Copays for many services and prescriptions
  • Broad Network
  • Participants must select a primary care provider who will make referrals to specialists
  • No out-of-network coverage
  • Copays and deductibles for services and prescriptions
  • Narrow Network
  • Deductible applies to medical and pharmacy
  • No requirement for PCP or referrals
  • In-network and out-of-network benefits – separate out-of-network deductible/out-of-pocket maximum nationwide network
  • Deductibles must be met before coverage pays %100
  • Broad Network
  • Participants must select a primary care provider who will make referrals to specialists
  • In-network and out-of-network benefits – separate out-of-network deductible/out-of-pocket maximum nationwide network
  • Compatible with health savings account (HSA)

BUYING HEALTH INSURANCE