This plan option pays 100% for most covered services after a co-payment of $20 or $30. There will be a payment limit for preferred care. The payment limit is the most you are required to pay out of your own pocket for covered expense in a calendar year. The preferred payment limit will be $2,000 for an individual and $4,000 for a family. After this limit is reached, the plan pays covered expenses at 100% for the rest of the calendar year. Provider referrals are not required for office visits and members are not required to designate a primary care physician. The POS II option also offers the flexibility of out-of-network benefits after the annual deductible ($800 individual/$1,600 family) has been satisfied. The plan will pay 60% after the deductible has been met for out of network services.
This is an innovative medical plan that gives you greater control over your health care expenditures. Contributions are lower under this plan; you pay more out-of-pocket for the health care services you receive. The plan pays 80% for most covered services in-network after the deductible, and the member is responsible for the 20% coinsurance. The plan will pay an out-of-network benefit of 60% after the annual deductible ($2,600 individual/$5,200 family) has been satisfied. There is an annual out-of-pocket maximum of $5,400 individual/$10,800 family for out of network services.
This is a tax-advantaged account used to pay for qualified medical expenses or save for future health care expenses. E*TRADE FINANCIAL will contribute $500 into your Health Savings Account if you elect to contribute a minimum of $120 for the year. The maximum allowable total contribution is $2,550 for individual and $5,650 for family. Unused funds in the account will rollover at the end of the year and are portable if you leave E*TRADE FINANCIAL. Contributions made through payroll deductions are pre-tax and the money in the account earns interest. Participation in the HSA is only available to employees enrolled in the Aetna Consumer Plan.