Benefits effective January 1 – December 31, 2027.
Employees newly enrolling in an Aetna plan will receive ID cards in the mail in late December. You can also download the Aetna mobile app to view your digital ID cards.
Current Kaiser members should continue using your existing ID cards. New ID cards will be mailed to employees enrolling in Kaiser coverage for the first time.
Physical ID cards are not available for Delta Dental and EyeMed benefits. Download their mobile apps to access your digital ID card or provide your Social Security number to your provider.
The following programs will continue to be offered and paid by Lucid:
The following programs will be discontinued effective January 1, 2027:
| Plan Features | Aetna Choice POS II – HDHP w/HSA | Aetna Open Access Select EPO – $500 | Aetna Choice POS II – $100 | Banner + Aetna Open Access Select | Kaiser Traditional HMO |
|---|---|---|---|---|---|
| In-Network | In-Network Only | In-Network | In-Network Only | In-Network Only | |
| Plan Availability | Nationwide | Nationwide except Arizona | Nationwide | Arizona only | California only |
| Calendar Year Deductible Individual/Family |
$2,000/$4,000 | $500/$1,000 | $100/$200 | None | None |
| Calendar Year Out-of-Pocket Maximum Individual/Family |
$3,000/$6,000 | $1,500/$4,500 | $2,500/$5,000 | $2,500/$5,000 | $1,500/$3,000 |
| HSA Employer Contribution Individual/Family | $1,000/$2,000* | N/A | N/A | N/A | N/A |
| Primary/Specialist Office Visit | 20%** | $20 copay/ $40 copay |
$20 copay/ $40 copay |
$20 copay/ $40 copay |
$15 copay/ $15 copay |
| Preventive Services | No charge | No charge | No charge | No charge | No charge |
| Urgent Care | 20%** | $50 copay | $50 copay + 20%*** | $50 copay | $15 copay |
| Emergency Room | 20%** | $100 copay (waived if admitted) | $100 copay + 20%*** | $100 copay (waived if admitted) | $100 copay |
| Lab and Imaging Basic/Complex |
20%** | No charge/$100 copay | No charge/20%** | No charge/$100 copay | $10 copay/$100 copay |
| Outpatient Surgery | 20%** | $250 copay | 20%** | $250 copay | $250 copay |
| Inpatient Hospitalization | 20%** | $500/stay | 20%** | $500/stay | $250/admission |
| Chiropractic (up to 25 visits/year) |
20%** | $40 copay | $40 copay | $40 copay | $15 copay (up to 30 visits/year) |
| Fertility Care (lifetime maximum reimbursement) |
Up to $20,000 | Up to $20,000 | Up to $20,000 | Up to $20,000 | Refer to plan documents |
| Prescription Drugs | |||||
| Retail 30-Day Supply Generic Preferred Non-Preferred |
$10 copay** $30 copay** $50 copay** |
$10 copay $30 copay $50 copay |
$10 copay $30 copay $50 copay |
$10 copay $30 copay $50 copay |
$10 copay $30 copay (brand) 10% up to $150 (specialty) |
| Mail Order 90-Day Supply Generic Preferred Non-Preferred |
$20 copay** $60 copay** $100 copay** |
$20 copay $60 copay $100 copay |
$20 copay $60 copay $100 copay |
$20 copay $60 copay $100 copay |
100-day supply $20 copay $60 copay (brand) Not covered (specialty) |
*Prorated for new hires.
**After deductible.
***Deductible does not apply.
| Bi-Weekly Nationwide* |
Aetna Choice POS II – HDHP | Aetna Open Access Select EPO – $500 | Aetna Choice POS II – $100 | Kaiser Traditional HMO |
|---|---|---|---|---|
| Employee Only | $0.00 | $48.13 | $104.95 | $121.08 |
| Employee + Spouse | $0.00 | $158.73 | $230.81 | $266.36 |
| Employee + Children | $0.00 | $137.17 | $199.42 | $242.15 |
| Employee + Family | $0.00 | $219.74 | $319.49 | $363.23 |
*Excludes Arizona and New York.
| Bi-Weekly Arizona |
Aetna Choice POS II – HDHP | Banner + Aetna Open Access Select | Aetna Choice POS II – $100 |
|---|---|---|---|
| Employee Only | $0.00 | $32.36 | $49.57 |
| Employee + Spouse | $0.00 | $83.42 | $127.83 |
| Employee + Children | $0.00 | $66.56 | $102.00 |
| Employee + Family | $0.00 | $114.18 | $174.97 |
| Weekly New York |
Aetna Choice POS II – HDHP | Aetna Open Access Select EPO – $500 | Aetna Choice POS II – $100 |
|---|---|---|---|
| Employee Only | $0.00 | $24.06 | $52.48 |
| Employee + Spouse | $0.00 | $79.37 | $115.40 |
| Employee + Children | $0.00 | $68.58 | $99.71 |
| Employee + Family | $0.00 | $109.87 | $159.75 |
| Plan Features | Delta Dental PPO | ||
|---|---|---|---|
| PPO Dentist | Premier Dentist | Non-PPO Dentist | |
| Network Name | Delta Dental PPO | Delta Dental Premier | N/A |
| Calendar Year Deductible (waived for Diagnostic & Preventive and Orthodontia) Individual/Family |
$25 / $75 | $25 / $75 | $25 / $75 |
| Dental Annual Maximum | $2,000 per person | $2,000 per person | $2,000 per person |
| Orthodontia Lifetime Maximum | $1,700 per person | $1,700 per person | $1,700 per person |
| You pay: | |||
| Diagnostic & Preventive Services (e.g., exams, x-rays, fluoride, cleanings) |
No charge | No charge | No charge |
| Basic Services (e.g., fillings, sealants, root canals, gum treatment, oral surgery) |
10% | 20% | 20% |
| Major Services (e.g., crowns, onlays, cast restorations) |
40% | 50% | 50% |
| Prosthodontics (e.g., bridges, dentures, implants) |
40% | 50% | 50% |
| Orthodontia (adults & children) |
50% | 50% | 50% |
| Oral Health in Pregnancy | One additional oral exam and either one routine cleaning, periodontal screening, or periodontal maintenance procedure | ||
Out-of-pocket costs may be higher with a non-PPO dentist, and you may be responsible for amounts above Delta Dental’s allowance.
| Benefit Plan | Bi-weekly Cost | Weekly Cost NY Hourly |
|---|---|---|
| Employee Only | $5.73 | $2.87 |
| Employee + Spouse | $12.60 | $6.30 |
| Employee + Child(ren) | $11.46 | $5.73 |
| Employee + Family | $17.20 | $8.60 |
| Plan Features | EyeMed | ||
|---|---|---|---|
| In-Network Plus Provider |
In-Network | Out-of-Network | |
| You pay: | You pay: | Plan reimburses you: | |
| Exam every 12 months Retinal Imaging |
$0 copay Up to $39 |
$0 copay Up to $39 |
Up to $40 Not covered |
|
Eyeglass Lenses |
$20 copay $20 copay $20 copay $20 copay $105–$245 copay |
$20 copay $20 copay $20 copay $20 copay $105–$245 copay |
Up to $30 Up to $50 Up to $70 Up to $50 Up to $50 |
| Frames every 24 months | $0 copay; $200 allowance + 20% off remaining balance | $0 copay; $150 allowance + 20% off remaining balance | Up to $100 |
|
Safety Frames every 12 months |
$0 copay; $160 allowance + 20% off remaining balance | $0 copay; $160 allowance + 20% off remaining balance | Up to $80 |
| Contact Lenses (elective)* Conventional Disposable |
$200 allowance + 15% off remaining balance $200 allowance |
$150 allowance + 15% off remaining balance $150 allowance |
Up to $120 Up to $120 |
| Contact Lenses (medically necessary) |
Paid in full | Paid in full | Up to $300 |
*In lieu of frames and lenses.
| Benefit Plan | Bi-weekly Cost | Weekly Cost NY Hourly |
|---|---|---|
| Employee Only | $1.02 | $0.51 |
| Employee + Spouse | $1.58 | $0.79 |
| Employee + Child(ren) | $1.61 | $0.80 |
| Employee + Family | $2.59 | $1.29 |
You have until Friday, November 6th, to enroll or change benefits.
If you want to contribute to an HSA or FSA in 2027, you must renew and set your contribution rate during Open Enrollment each year.