Your choice is key. Let us help.
Transcription
Your choice is key. Let us help.
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Your choice is key. Let us help. HSA EPO PPO (For Active Employees) (For Active Employees and Retirees) (For Active Employees and Retirees) Lowest premium with tax-advantaged savings account Lower premium with predictable out-of-pocket costs •The plan includes a health savings account (HSA) to use for qualified medical expenses. Investment options available. •Employer contributes to the HSA. You contribute up to $6,750 (total) for family coverage through convenient pretax payroll deductions. •Use the HSA to pay the deductible and other qualified out-of-pocket costs. •An extensive local and national network. •100% in-network preventive care coverage — skip the deductible! • You’re covered in the event of a major illness or injury. • You can access your PayFlex® account through your Aetna Navigator® website at www.aetna.com. The single sign-on allows you to access all your benefits and accounts from one secure site. •Network plan – You don’t need a primary care physician, but you may want one to coordinate your care. Higher premium with deductible and out-of-pocket limits HSA EPO PPO •Over 1.1 million* doctors, hospitals and other health care providers in the network. Yours may be one of them. Find out at www.aetna.com/docfind. *Aetna Enterprise provider database as of June 30, 2015. •In- and out-of-network coverage. •Higher coverage when you stay in the network. •Copays apply to annual limits after deductible is met. •$500/$1,000 (single/family) deductible, in network. Tools to support smart health care decisions Member Services – Call 1-866-217-1953 to talk with a representative who can help answer your questions. Aetna Navigator – Register at www.aetna.com for your secure member website. You’ll have access to helpful tools and resources, including: •Cost of Care tools – Member Payment Estimator – Compare costs for your health care. – WellMatch® – Compare costs based on where you are with your deductible and out-of-pocket maximum. •Beginning Right® maternity program – Get extra support for a healthier pregnancy and a healthier baby. •Ask Ann – Ask questions and get help with claims searches, coverage, benefits questions and more from our virtual assistant. Disease Management (Health Connections) – Call 1-866-269-4500 to talk with a registered nurse about your chronic condition. Nurses are trained in over 35 conditions and can help you manage your care, lower your risks, follow treatment plans and much more. Informed Health® Line – Call 1-800-556-1555 24/7 to talk with a registered nurse who can answer questions and help you decide where to go for care: a walk-in clinic, urgent care center or emergency room. Mobile Apps – When you’re on-the-go, stay connected with these apps for your smartphone or web-enabled device: •Aetna Mobile – Use this free app to find a doctor, view your ID card or Personal Health Record (PHR), check the status of a claim and more. •iTriage® – Use this free app to look up symptoms and conditions, find the right in-network care, learn about medications and make informed decisions. It even provides driving directions and hospital ER wait times. You can try it online at www.itriagehealth.com. Discount Program – Save on gym memberships, eyeglasses, weight-loss programs and more. Here’s what each plan costs: Plans at a glance: HSA* HSA Agency HSA Contribution EPO PPO Employee only $9.23 $27.69 $18.46 $47.08 Employee + adult $27.69 $55.38 $54.92 $99.23 Employee + child $23.54 $55.38 $46.62 $66.46 Family $51.23 $55.38 $102.00 $115.85 Note: Dollar amounts shown are per pay period (26 pay periods per year). Out of network (based on recognized charge) In network only In network (based on negotiated charge) Out of network (based on recognized charge) Deductible • Single • Family $1,300 $2,600 $2,600 $5,200 None None $500 $1,000 $1,000 $2,000 Out-of-pocket maximum (includes deductible) • Single • Family $2,000 $4,000 $5,000 $10,000 None None $1,000 $2,000 $4,000 $8,000 Doctor visit You pay 10% after deductible, plan pays 90% You pay 50% after deductible, plan pays 50% You pay $15 copay per visit, then plan pays 100% You pay $15 copay per visit after deductible, then plan pays 100% You pay 50% after deductible, plan pays 50% Specialist visit You pay 10% after deductible, plan pays 90% You pay 50% after deductible, plan pays 50% You pay $30 copay ($10 for Ob/Gyn) per visit, then plan pays 100% You pay $30 copay ($10 for Ob/Gyn) per visit after deductible, then plan pays 100% You pay 50% after deductible, plan pays 50% Routine physical exam Plan pays 100%, no deductible You pay 50% after deductible, plan pays 50% You pay $15 copay per visit, then plan pays 100% You pay $15 copay per visit after deductible, then plan pays 100% You pay 50% after deductible, plan pays 50% For Retirees without Medicare Coverage Level EPO Retiree only PPO $593.00 $825.00 Retiree +1 $1,387.00 $2,009.00 Family $1,869.00 $2,197.00 *Prescriptions apply to deductible and out-of-pocket maximum. **Copayments apply to out-of-pocket maximum after deductible is met for the PPO plan. The Plan pays 100% after out-of-pocket maximum is met. PPO deductible must be met before copayment applies to out-of-pocket maximum. Unlock a Healthier You A well-rounded plan for better health is based on good basic guidelines: For Retirees with Medicare Coverage Level EPO PPO • Discover ways to get in shape • Learn how to feel better by eating healthy Retiree only $442.00 $789.00 Retiree +1 (Both Medicare) $878.00 $1,576.00 Retiree +1 (One Medicare) $1,024.00 $1,740.00 • Make a plan that’s specific to your needs Family (Two Medicare) $1,166.00 $1,980.00 • Take care of your mind as well as your body Learn more about your choices: Visit www.AetnaStateAZ.com E-mail [email protected] Talk with your Aetna Dedicated Representative 602-659-9019 PPO** In network (based on negotiated charge) For Active Employees Coverage Level EPO Learn more about how to get to a healthy you at www.aetna.com. Select “Healthy Living Tips” from the menu. Aetna Consumer Financial Solutions products, administered by PayFlex®, are provided by Aetna Life Insurance Company (Aetna). This material is for information only. Health insurance and health benefits plans contain exclusions and limitations. Not all health services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and are subject to change. Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services. Investment products and solutions will be offered by an independent third party financial institution. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. Information is believed to be accurate as of the production date; however, it is subject to change. For more information refer to www.aetna.com. CCG ARIZONAADM-0011 (10/15) ©2015 Aetna Inc. FSC