Medical Plans

Medical Plans

We offer three medical plans* with low, medium and high deductible options to help you manage the cost of your care. Rates for these medical plans are, on average, 35% lower than rates at other large employers, and preventive care is always covered at 100%.

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Explore in-network physicians with Aetna’s Directory of Heath Care Professionals. Search for the Choice POS II network.

New for 2023, all three medical plans through Aetna offer coverage for a free hearing test and up to $2,500 every three years for hearing aids.

*Employees in California have access to a fourth medical plan through Kaiser Permanente.

Low
Deductible

Medium
Deductible

High
Deductible

Kaiser

Low
Deductible

With our Low-Deductible Health Plan, you pay co-pays for a doctor’s visit and mail order prescriptions. For all other services, you can meet your deductible faster but pay higher biweekly premiums. Use it with a Healthcare Flexible Spending Account (FSA) for maximum pretax savings.

Employee

$49.80

Biweekly Premium

$500

Deductible*

$3,000

Out-of-pocket Max**

Employee + Spouse/DP

$179.02

Biweekly Premium

$1,000

Deductible*

$6,000

Out-of-pocket Max**

Employee + Child

$103.02

Biweekly Premium

$1,000

Deductible*

$6,000

Out-of-pocket Max**

Employee + Child(ren)

$103.02

Biweekly Premium

$1,500

Deductible*

$9,000

Out-of-pocket Max**

Family

$232.24

Biweekly Premium

$1,500

Deductible*

$9,000

Out-of-pocket Max**

* This plan has an individual deductible. You only need to meet your individual $500 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 multiplied by the number of dependents covered (up to a maximum of three or $1,500).

 

** These are individual out-of-pocket maximums. You only need to meet your $3,000 individual out-of-pocket maximum before the plan pays your covered expenses at 100% (even if your family maximum hasn’t been met). You pay a total family maximum (for up to three family members or $9,000).

Medium
Deductible

Our Medium-Deductible Health Plan balances a midrange deductible and biweekly premium. 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.  

Employee

$17.18

Biweekly Premium

$1,000

Deductible*

$3,500

Out-of-pocket Max**

Employee + Spouse/DP

$122.77

Biweekly Premium

$2,000

Deductible*

$7,000

Out-of-pocket Max**

Employee + Child

$38.12

Biweekly Premium

$2,000

Deductible*

$7,000

Out-of-pocket Max**

Employee + Child(ren)

$38.12

Biweekly Premium

$3,000

Deductible*

$10,500

Out-of-pocket Max**

Family

$143.71

Biweekly Premium

$3,000

Deductible*

$10,500

Out-of-pocket Max**

*This plan has an individual deductible. You only need to meet your individual $1,000 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 multiplied by the number of dependents covered (up to a maximum of three or $3,000).

 

** These are individual out-of-pocket maximums. You only need to meet your individual $3,500 out-of-pocket maximum before the plan pays your covered expenses at 100% (even if your family maximum hasn’t been met). You pay a total family maximum (for up to three family members or $10,500).

High
Deductible

Through our High-Deductible Health Plan (HDHP), 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.  

Employee

$7.38

Biweekly Premium

$2,000

Deductible*

$4,000

Out-of-pocket Max**

$500

Cox contribution to HSA

Employee + Spouse/DP

$75.61

Biweekly Premium

$3,000

Deductible*

$6,000

Out-of-pocket Max**

$750

Cox contribution to HSA

Employee + Child

$16.09

Biweekly Premium

$3,000

Deductible*

$6,000

Out-of-pocket Max**

$750

Cox contribution to HSA

Employee + Child(ren)

$16.09

Biweekly Premium

$4,000

Deductible*

$8,000

Out-of-pocket Max**

$750

Cox contribution to HSA

Family

$84.32

Biweekly Premium

$4,000

Deductible*

$8,000

Out-of-pocket Max**

$1,000

Cox contribution to HSA

* FAMILY DEDUCTIBLE Keep in mind that the HDHP has true family deductibles, meaning that you must meet the deductible listed for your level of coverage before the plan pays coinsurance for anyone in your family. For example, if you cover both you and your spouse, you must meet the $3,000 deductible before the plan starts paying coinsurance for either you or your spouse. 

 

** FAMILY MAXIMUM You’ll want to note that the HDHP 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 $6,000 maximum before the plan pays 100% of covered network services for either you or your spouse.

Kaiser

Employees in California have access to a medical plan through Kaiser Permanente. Pair it with a Healthcare FSA for maximum pretax savings.

Employee

$62.31

Biweekly Premium

$0

Deductible*

$1,500

Out-of-pocket Max*

Employee + Spouse/DP

$224

Biweekly Premium

$0

Deductible*

$3,000

Out-of-pocket Max*

Employee + Child

$173.16

Biweekly Premium

$0

Deductible*

$3,000

Out-of-pocket Max*

Employee + Child(ren)

$173.16

Biweekly Premium

$0

Deductible*

$3,000

Out-of-pocket Max*

Family

$290.59

Biweekly Premium

$0

Deductible*

$3,000

Out-of-pocket Max*

*These amounts only apply to covered in-network services. Out-of-network services are not covered.

Medical Coverage and Costs

Take a closer look at your coverage and costs in this chart.

VIEW CHART

Aetna Machine Readable File (MRF)

Pharmacy Benefits

With all three 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.  

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Visit Caremark.com for a full listing of covered prescriptions and pharmacy locations near you. 

Pharmacy Benefits