Medical Plans
We offer three medical plans* to help you manage the cost of your care. Cox cares about your well-being, which is why preventive care is always covered at 100% when you use an in-network provider.
New for 2026:
- We will have two new plan options: Core PPO (lowest premium, highest deductible) and Premium PPO (highest premium, lowest deductible). We’re continuing to offer HDHP Plus, a high deductible health plan that you can pair with a Health Savings Account (HSA). Our medical plans offer you meaningful choices to help you manage the total cost of your care.
- Choose the Comprehensive Dental Plan to get up to $2,000 per person in orthodontia coverage. Note: The Schedule (Basic) plan will no longer cover orthodontic services.
- We are introducing Scripta, an app and website that helps you save on prescriptions by identifying lower-cost alternatives and working directly with their doctor to update pharmacy orders (available to those enrolled in the Cox Medical Plan through Aetna.)
- Annual contribution limits have been raised for some pretax savings accounts. The limit for the Dependent Care Flexible Savings Account (FSA) is increasing from $5,000 to $7,500; for the Healthcare FSA from $3,200 to $3,300; for the commuter accounts from $3,780 to $3,900; and for the HSA from $4,300 to $4,400 (individual) and from $8,550 to $8,750 (family).
Browse healthcare options for 2026.
Review a few example scenarios to see which plan may best match your circumstances. Remember, if you’re enrolled in a plan for this year and don’t enroll for 2026, you’ll automatically be enrolled in the plan that best matches your current coverage.
Explore in-network physicians with Aetna’s Directory of Heath Care Professionals. Search for the Choice POS II network.
You can also explore all our offerings to support your physical, mental and financial wellness in the expanded Wellness section.
*Employees in California have access to a fourth medical plan through Kaiser Permanente.
Core PPO
HDHP Plus
Premium PPO
Kaiser
Core PPO
With our Core PPO Plan, you pay the lowest premium and the highest deductible. This plan also has co-pays for a doctor’s visit and mail order prescriptions. For all other services, you fully pay the cost until you meet your deductible before your plan pays 70% for services. Use it with a Healthcare Flexible Spending Account (FSA) for maximum pretax savings.
Office visits: For an in-network primary care visit, your copay is $40 with no deductible. For an in-network specialist visit, your copay is $60 with no deductible. For an emergency room visit, you pay 30% coinsurance after you meet your deductible.
$5.89
Biweekly Premium
$6,000
Deductible*
$7,900
Out-of-pocket Max**
$70.70
Biweekly Premium
$9,000
Deductible*
$11,850
Out-of-pocket Max**
$12.79
Biweekly Premium
$9,000
Deductible*
$11,850
Out-of-pocket Max**
$12.79
Biweekly Premium
$12,000
Deductible*
$15,800
Out-of-pocket Max**
$77.60
Biweekly Premium
$12,000
Deductible*
$15,800
Out-of-pocket Max**
* This plan has an individual deductible. You only need to meet your individual $6,000 deductible before the plan pays based on your coinsurance (even if your family maximum hasn’t been met). For your family, you pay the individual deductible for each family member (up to a maximum of $12,000).
** This plan has an individual out-of-pocket maximum. You only need to meet your individual $7,900 out-of-pocket maximum before the plan pays your covered network expenses at 100% (even if your family maximum hasn’t been met). You pay a total family maximum of $15,800.
HDHP Plus
Through our HDHP Plus Plan, you pay full price for all non-preventive care and prescriptions until you meet your deductible. It’s the only plan that also pairs with a Health Savings Account for maximum pretax savings.
Office visits: Your copay cost for an in-network primary care, specialist or emergency room visit is 20% coinsurance, after you meet your deductible.
$9.34
Biweekly Premium
$2,000
Deductible*
$4,000
Out-of-pocket Max**
$106.23
Biweekly Premium
$3,400
Deductible*
$6,800
Out-of-pocket Max**
$20.35
Biweekly Premium
$3,400
Deductible*
$6,800
Out-of-pocket Max**
$20.35
Biweekly Premium
$4,000
Deductible*
$8,000
Out-of-pocket Max**
$117.25
Biweekly Premium
$4,000
Deductible*
$8,000
Out-of-pocket Max**
*Keep in mind that the HDHP Plus has true family deductibles, meaning that you must meet the deductible listed for your level of coverage before the plan pays network coinsurance for anyone in your family. For example, if you cover both you and your spouse, you must meet the $3,400 deductible before the plan starts paying coinsurance for either you or your spouse.
** You’ll want to note that the HDHP Plus has true family out-of-pocket maximums. You must meet the maximum costs listed for your level of coverage before the plan pays 100% of covered network services for anyone in your family. For example, if you cover both you and your spouse, you must meet the $6,800 maximum before the plan pays 100% of covered network services for either you or your spouse.
Premium PPO
Our Premium PPO Plan has the highest premium and the lowest deductible. This plan also has co-pays for a doctor’s visit and mail order prescriptions. Use it with a Healthcare FSA for maximum pretax savings.
Office visits: For an in-network primary care visit, your copay is $30 with no deductible. For an in-network specialist visit, your copay is $50 with no deductible. For an emergency room visit, your copay is $150, and then you pay 20% coinsurance after you meet your deductible.
$58.04
Biweekly Premium
$800
Deductible*
$3,250
Out-of-pocket Max**
$500
Cox contribution to HSA
$217.68
Biweekly Premium
$1,600
Deductible*
$6,500
Out-of-pocket Max**
$825
Cox contribution to HSA
$120.07
Biweekly Premium
$1,600
Deductible*
$6,500
Out-of-pocket Max**
$825
Cox contribution to HSA
$120.07
Biweekly Premium
$2,400
Deductible*
$9,750
Out-of-pocket Max**
$825
Cox contribution to HSA
$279.71
Biweekly Premium
$2,400
Deductible*
$9,750
Out-of-pocket Max**
$1,000
Cox contribution to HSA
* This plan has an individual deductible. You only need to meet your individual $800 deductible before the plan pays based on your coinsurance (even if your family maximum hasn’t been met). For your family, you pay the individual deductible for each family member (up to a maximum of $2,400).
** This plan has an individual out-of-pocket maximum. You only need to meet your individual $3,250 out-of-pocket maximum before the plan pays your covered network expenses at 100% (even if your family maximum hasn’t been met). You pay a total family maximum of $9,750.
Kaiser
Employees in California have access to a medical plan through Kaiser Permanente. Pair it with a Healthcare FSA for maximum pretax savings.
$92.20
Biweekly Premium
$0
Deductible*
$1,500
Out-of-pocket Max*
$345.80
Biweekly Premium
$0
Deductible*
$3,000
Out-of-pocket Max*
$233.41
Biweekly Premium
$0
Deductible*
$3,000
Out-of-pocket Max*
$233.41
Biweekly Premium
$0
Deductible*
$3,000
Out-of-pocket Max*
$444.34
Biweekly Premium
$0
Deductible*
$0
Out-of-pocket Max*
*These amounts only apply to covered in-network services. Out-of-network services are not covered.
Oral surgery is not covered.
Medical Coverage and Costs
Take a closer look at your coverage and costs in this chart.
Pharmacy Benefits
With all three Aetna medical plans*, you have access to comprehensive prescription drug coverage with convenient mail order and retail supply options. CVS Caremark® administers our pharmacy plan with 60,000+ pharmacy locations nationwide.
CVS partners with PrudentRX to automatically match the lowest price for your non-specialty generic prescription drugs.
New for 2026, CVS is partnering with Scripta, a free app and website included in your health plan that helps you find lower-cost, equivalent medications. It uses your current prescriptions to suggest savings options and, if you choose one, sends the change request directly to your doctor, empowering informed decisions and helping you save.
Visit Caremark.com for a full listing of covered prescriptions and pharmacy locations near you.
*If you are a resident of California and select the Kaiser medical plan, your prescription drug coverage will be provided through Kaiser.
