Medical Plans
We offer three medical plans* with low, medium and high deductible options 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! You can also explore all our offerings to support your physical, mental and financial wellness in the expanded Wellness section.
New or enhanced programs for 2024 include:
- Gennev offers specialized menopause support through personalized care plans that combine medication and lifestyle changes like nutrition, fitness, mindfulness and natural supplements. Gennev is available beginning Jan. 1, 2024 to members of the Cox Medical Plan through Aetna, copays and/or deductibles apply.
- Improved coverage through the Comprehensive Dental Plan with no premium increase. The maximum amount that the dental plan pays per year is increasing from $1,500 to $2,000. The orthodontia lifetime maximum also is increasing from $1,500 to $2,000.
Explore in-network physicians with Aetna’s Directory of Heath Care Professionals. Search for the Choice POS II network.
*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.
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.
$53.75
Biweekly Premium
$500
Deductible*
$3,000
Out-of-pocket Max**
$201.60
Biweekly Premium
$1,000
Deductible*
$6,000
Out-of-pocket Max**
$111.20
Biweekly Premium
$1,000
Deductible*
$6,000
Out-of-pocket Max**
$111.20
Biweekly Premium
$1,500
Deductible*
$9,000
Out-of-pocket Max**
$259.05
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.
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.
$18.54
Biweekly Premium
$1,000
Deductible*
$3,500
Out-of-pocket Max**
$141.29
Biweekly Premium
$2,000
Deductible*
$7,000
Out-of-pocket Max**
$41.15
Biweekly Premium
$2,000
Deductible*
$7,000
Out-of-pocket Max**
$41.15
Biweekly Premium
$3,000
Deductible*
$10,500
Out-of-pocket Max**
$163.90
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.
Office visits: Your copay cost for an in-network primary care, specialist or emergency room visit is 20% coinsurance, after you meet your deductible.
$7.97
Biweekly Premium
$2,000
Deductible*
$4,000
Out-of-pocket Max**
$500
Cox contribution to HSA
$90.68
Biweekly Premium
$3,200
Deductible*
$6,000
Out-of-pocket Max**
$750
Cox contribution to HSA
$17.37
Biweekly Premium
$3,200
Deductible*
$6,000
Out-of-pocket Max**
$750
Cox contribution to HSA
$17.37
Biweekly Premium
$4,000
Deductible*
$8,000
Out-of-pocket Max**
$750
Cox contribution to HSA
$100.08
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 $3,200 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.
$69.07
Biweekly Premium
$0
Deductible*
$1,500
Out-of-pocket Max*
$259.06
Biweekly Premium
$0
Deductible*
$3,000
Out-of-pocket Max*
$191.95
Biweekly Premium
$0
Deductible*
$3,000
Out-of-pocket Max*
$191.95
Biweekly Premium
$0
Deductible*
$3,000
Out-of-pocket Max*
$332.88
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.
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.
New this year, CVS is partnering with GoodRX to automatically match the lowest price for your non-specialty generic prescription drugs.
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.
