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Medical Cost & Benefits

Medical Cost

Your Monthly Cost Aetna HNO OA Copay Plan Aetna HNO OA HSA Plan
Employee Only $72.00 $0.00
Employee + Spouse $841.00 $765.00
Employee + Child(ren) $761.00 $656.00
Employee + Family $1,201.00 $1,092.00

 

Benefit Highlights

Benefit Highlights In-Network You Pay - HNO OA Copay Plan In-Network You Pay - HNO OA HSA Plan
Plan Year Deductible $750 Individual / $2,250 Family $1,650 Individual / $3,300 Family
Plan Year Out-of-Pocket (OOP) Max $3,500 Individual / $7,000 Family $3,000 Individual / $6,000 Family
Coinsurance 80% after deductible 90% after deductible
Preventative Care No Charge No Charge
Routine Office Visit $25 copay Deductible then 10%
Specialist Office Visit $50 copay Deductible then 10%
Mental Health Visit $50 copay Deductible then 10%
Urgent Care Deductible then $75 copay Deductible then 10%
Emergency Room Visit Deductible then $200 copay/visit Deductible then 10%
Ambulance Deductible then 20% Deductible then 10%
Inpatient Hospital $150 copay then deductible then 20% Deductible then 10%
Outpatient Surgery $75 copay/visit then deductible then 20% Deductible then 10%
Diagnostic X-Ray/Lab Deductible then 20% Deductible then 10%
Complex Radiology (MRI, PET, CAT) $150 copay/visit then deductible then 20% Deductible then 10%

 

RX Benefits

Retail (30-day supply) In-Network You Pay Plan Deductible then Copays Apply
Tier 1 $10 copay $10 copay
Tier 2 $40 copay $30 copay
Tier 3 $70 copay $50 copay
Specialty Copay as noted above for generic or brand Copay as noted above for generic or brand
Mail Order (90-day supply) 3x retail copay 2.5x retail copay

 

For more detailed information about each plan's medical benefits and limitations, please consult the plan Summary of Benefits and Coverage (SBC). You can find them at: bit.ly/D6BenefitsEnrolllment2025