Non-Arizona Medical

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.

*After deductible.

The Aetna Open Access Select $500 EPO plan provides comprehensive coverage through a network of selected providers. With this plan, you can visit any in-network doctor or specialist without needing a referral or choosing a primary care physician (PCP). The plan includes a $500 annual deductible, meaning you are responsible for the first $500 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.

*After deductible.

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.

*After deductible.

The Aetna Open Access Select $0 EPO plan provides comprehensive coverage through a network of selected providers. With this plan, you can visit any in-network doctor or specialist without needing a referral or choosing a primary care physician (PCP). The plan has no annual deductible, meaning it starts covering eligible services right away. However, copays or coinsurance may apply for certain services. Using in-network providers will give you the highest level of benefits and help you keep out-of-pocket costs lower. Note that out-of-network services are not covered, except in emergencies.

The Kaiser Traditional HMO plan (CA only) provides comprehensive coverage through Kaiser Permanente’s network of providers and facilities. You’ll select a primary care physician (PCP) to coordinate your care, including referrals to in-network specialists when needed. With no deductibles and fixed copayments for most services, this plan makes managing healthcare costs simple. Services outside the Kaiser network are generally not covered, except in emergencies. Staying within the Kaiser system ensures the best value and minimal out-of-pocket costs.