HEALTH CARE

Your Health Care Coverage

You will have 4 medical plan options available to you through Aetna that include a range of coverage levels and costs, giving you the flexibility to select the plan that is right for you. Each plan features in- and out-of-network coverage, individual and family deductibles, copays, coinsurance and out-of-pocket maximums. Some offer a lower monthly cost, a higher deductible, and lower coinsurance amounts, while others cost more each month but offer a lower deductible and higher levels of coinsurance.

Keep in mind that while you can seek services in and out of the network, you will always pay less if you are treated by an in-network provider because the plan pays a higher percentage of your covered expenses.

Network Access

It is simple to look for doctors who are part of the Aetna network.

1. Go to aetna.com.

2. At the top of the page, click on Find a doctor.

3. Select Plan from an Employer on the Right side of the screen.

4. Search for a provider by zip code, city, state or county

5. The $1,500 HSA High Deductible Health Plan is an HMO Plan. There are no out-of-network benefits, except for emergencies. If you are selecting this plan, please choose the Elect Choice EPO Open Access Network under the Aetna Open Access Plans.

6. All other plans are POS Plans with in and outof-network benefits. If you are selecting one of these plans, please choose the Aetna Choice POS II (Open Access) Network under the Aetna Open Access Plans.

PlanProvision

HSAorFSAEligible

AnnualDeductible

Definitions

Is this plan eligible to be partnered with an HSA or FSA?

The annual amount you and your family must pay each year before the plan pays benefits.

Coinsurance

Out-of-Pocket Maximum (Includes Deductible & Copays)

PreventiveCare

PrimaryCarePhysician OfficeVisit

The percentage of a covered charge paid by the plan after your deductible is met.

The maximum amount you and your family pay for eligible expenses each plan year. Once your expenses reach the out-of-pocket maximum, the plan pays 100% of eligible expenses for the remainder of the year.

Routine health care that includes check-ups, patient counseling and screenings to prevent illness, disease and other health-related problems.

A physician (generally a family practitioner, internist or pediatrician) who provides ongoing medical care, treats a wide variety of healthrelated conditions and refers patients to specialists as necessary.

SpecialistOfficeVisit A physician who has specialized training in a particular branch of medicine (e.g., a surgeon, gastroenterologist or neurologist).

X-Ray,Lab,Inpatient& OutpatientHospital Services

UrgentCare

EmergencyRoomCare

RetailPrescriptionDrugs

X-rays, lab work and services provided to an individual at a hospital facility.

An alternative to ER for non-life-threatening illnesses or injuries.

Immediate treatment for life threatening illnesses or injuries.

Generic drugs are less expensive versions of brand name drugs that have the same intended use, dosage, effects, risks, safety and strength.

MailOrderPrescription

Mail order pharmacies provide a 90-day supply of a prescription medication and the convenience of shipping directly to your door.

CamdenCountypaysthefollowingtowardsyourmedicalcoverage. Anyremainingdollarscanbeusedtopurchasevoluntaryproducts. Ifyouwaive themedicalcoverage,youwillreceiveacreditintheamountof$44.21/monththatcanbeusedtopurchasevoluntaryproducts.