| Plan Features | Aetna Choice Plus HDHP PPO | Aetna Banner JV OA $0 EPO | Aetna Choice Plus $100 PPO | ||
|---|---|---|---|---|---|
| In-Network | Out-of-Network | In-Network Only | In-Network | Out-of-Network | |
| Comparable Cigna Plan | Cigna HDHP | N/A | Cigna PPO | ||
| Calendar Year Deductible Individual/Family |
$2,000/$4,000 | $4,000/$8,000 | None | $100/$200 | $500/$1000 |
| Calendar Year Out-of-Pocket Maximum Individual/Family |
$3,000/$6,000 | $6,000/$12,000 | $2,500/$5,000 | $2,500/$5,000 | $5,000/$10,000 |
| HSA Employer Contribution Individual/Family | $1,000/$2,000* | N/A | N/A | ||
| Primary/Specialist Office Visit | 20%** | 40%** | $20 copay/ $40 copay |
$20 copay/ $40 copay |
40%** |
| Preventive Services | No charge | 40%** | No charge | No charge | 40%** |
| Emergency Room | 20%** | $100 copay (copay waived if admitted) | $100 copay + 20% (copay waived if admitted) | ||
| Inpatient Hospitalization | 20%** | 40%** | $500 copay | 20%** | 40%** |
| Prescription Drugs | |||||
| Rx (30-Day Retail) Generic Preferred Non-Preferred |
$10 copay** $30 copay** $50 copay** |
Not Covered | $10 copay $30 copay $50 copay |
$10 copay $30 copay $50 copay |
Not covered |
| Rx (90-Day Mail Order) Generic Preferred Non-Preferred |
$20 copay** $60 copay** $100 copay** |
Not Covered | $20 copay $60 copay $100 copay |
$20 copay $60 copay $100 copay |
Not covered |
*Prorated for new hires.
**After deductible.
Annual checkups help you stay healthy. Take care of yourself and your family by using your FREE in-network preventive care benefits each year! Preventive care visits allow you to take action early and keep treatable health issues from becoming chronic conditions.
The total amount that you pay for your benefits coverage depends on the plans you choose, how many dependents you cover, and for medical coverage, how much you earn. Your healthcare costs are deducted from your pay on a pre-tax basis—before federal, state, and social security taxes are calculated—so you pay less in taxes.
| Aetna Choice Plus Arizona HDHP PPO | Aetna Banner JV OA Arizona $0 EPO | Aetna Choice Plus Arizona $100 PPO | |
|---|---|---|---|
| Employee Only | $0.00 | $20.84 | $31.93 |
| Employee + Spouse | $0.00 | $53.73 | $82.33 |
| Employee + Children | $0.00 | $42.87 | $65.70 |
| Employee + Family | $0.00 | $73.54 | $112.70 |
The Aetna Choice Plus HDHP PPO gives you flexibility in how you manage your healthcare costs. It pairs a large network of doctors and hospitals (PPO) with the option to save money in a Health Savings Account (HSA). You pay for all medical costs upfront until you reach your deductible, but your HSA can help you cover these expenses with pre-tax savings. After you meet the deductible, the plan starts sharing costs with you until you hit your out-of-pocket maximum, after which it pays for everything covered by the plan. Choosing in-network doctors will save you money, but you can also see out-of-network providers at a higher cost. This plan helps you make smart choices about your healthcare while keeping costs under control.
| Aetna Choice Plus HDHP PPO | ||
|---|---|---|
| Benefit Level | In-Network | Out-of-Network |
| Network Name | Aetna Choice POS II (Open Access) | N/A |
| Calendar Year Deductible Individual Individual in a family Family |
$2,000 $2,000 $4,000 |
$4,000 $4,000 $8,000 |
| Calendar Year Out-of-Pocket Maximum Individual Individual in a family Family |
$3,000 $3,000 $6,000 |
$6,000 $6,000 $12,000 |
| Primary/Specialist Office Visit | 20%* | 40%* |
| Emergency Room | 20%* | |
| Hospitalization | 20%* | 40%* |
| Rx Generic/Preferred/Non-Preferred (30-Day Retail) | $10/$30/$50 | Not Covered |
| Rx Generic/Preferred/Non-Preferred (90-Day Mail Order) | $20/$60/$100 | Not Covered |
*After deductible.
The Aetna Banner JV OA $0 EPO plan offers comprehensive healthcare coverage through a network of trusted providers. With this plan, you can visit any doctor or specialist within the network without needing referrals or choosing a primary care physician (PCP). However, the plan only covers in-network care, except for emergencies, so it’s important to stay within the network for non-emergency services. One key advantage of this plan is that there’s no annual deductible—coverage starts right away for eligible services. While you may have copayments or coinsurance for certain services, using in-network providers helps keep your costs low and your benefits high.
| Aetna Banner JV OA $0 EPO | |
|---|---|
| Benefit Level | In-Network Only |
| Network Name | Banner Joint Venture Open Access |
| Calendar Year Deductible Individual Individual in a family Family |
None |
| Calendar Year Out-of-Pocket Maximum Individual Individual in a family Family |
$2,500 $2,500 $5,000 |
| Primary/Specialist Office Visit | $20 copay/$40 copay |
| Emergency Room | $100 copay (copay waived if admitted) |
| Hospitalization | $500 copay |
| Rx Generic/Preferred/Non-Preferred (30-Day Retail) |
$10/$30/$50 |
| Rx Generic/Preferred/Non-Preferred (90-Day Mail Order) |
$20/$60/$100 |
The Aetna Choice Plus $100 PPO plan offers flexibility and cost savings by allowing you to see any doctor or specialist, with the best savings coming from in-network providers. This plan includes a $100 annual deductible, meaning you are responsible for the first $100 of covered medical expenses each year before the plan starts to share costs. After meeting the deductible, the plan covers a portion of your expenses through coinsurance or copays. Using in-network providers will give you the highest level of benefits and help you keep out-of-pocket costs lower.
| Aetna Choice Plus $100 PPO | ||
|---|---|---|
| Benefit Level | In-Network | Out-of-Network |
| Network Name | Aetna Choice POS II (Open Access) | N/A |
| Calendar Year Deductible Individual Individual in a family Family |
$100 $100 $200 |
$500 $500 $1,000 |
| Calendar Year Out-of-Pocket Maximum Individual Individual in a family Family |
$2,500 $2,500 $5,000 |
$5,000 $5,000 $10,000 |
| Primary/Specialist Office Visit | $20 copay/$40 copay | 40%* |
| Emergency Room | $100 copay + 20% (copay waived if admitted) | |
| Hospitalization | 20%* | 40%* |
| Rx Generic/Preferred/Non-Preferred (30 Day Retail) | $10/$30/$50 | Not Covered |
| Rx Generic/Preferred/Non-Preferred (90 Day Mail Order) | $20/$60/$100 | Not Covered |
*After deductible.