Aetna/Horizon Medical
Understanding your options
Chubb offers a range of medical plan options with different coverage levels, price points, and carriers, so you can select what’s right for you. Each medical plan includes prescription drug coverage.
PPO Plans |
High Deductible Plans |
Carriers/Networks |
---|---|---|
|
|
|
$400 Deductible Plan
$900 Deductible Plan
These plans might be a good choice if you have a known health condition, expect to need a lot of health care or have children in sports. |
In the high deductible plans, you pay lower premiums but more out of pocket when you need care. To help you manage the higher out-of-pocket costs, these plans pair with a tax-advantaged health savings account (HSA). You can make pre-tax contributions to an HSA to pay for certain eligible health expenses. The HSA is always yours, even if you change plans, leave the company or retire. These plans might be a good choice if you don’t expect to need much health care. The lower premium rates help you avoid paying for care you don’t use and the HSA gives you a way to save up for future health care needs, all the way into retirement. |
When you choose your medical plan, also choose your carrier/network. One of the networks will be “preferred” based on its performance in your area. The preferred network will have lower premiums, even for the same medical plan option. If you choose Aetna, you may have the option of selecting Premier Care, a smaller network with lower premiums. The provider search tool in Ask Emma will help you compare networks so you can make the best choice for you. |
How the Medical Plans Work (Aetna and Horizon)
No cost |
Your cost |
Shared cost |
Cost limits |
---|---|---|---|
100% coverage for in-network preventive care Preventive care services, such as annual physicals, recommended immunizations and routine cancer screenings are fully covered by your plan as long as you stay in-network. |
Annual deductible For most non-preventive care, you pay 100% of costs until you meet the annual deductible. There are two exceptions:
|
Coinsurance Once the deductible is met, you and the plan share any further health expenses until you meet the out-of-pocket maximum. |
Annual out-of-pocket maximums Each plan protects you by capping the total amount you'll pay each year for medical care. If you meet the out-of-pocket maximum, the plan pays 100% of your eligible expenses for the rest of the year. |
Compare the plans (Aetna and Horizon)
In-network coverage
You save money by seeing in-network providers. Remember, your out-of-network expenses do not count toward your in-network deductible or out-of-pocket maximum.
PPO Plans |
High deductible plans |
|||
---|---|---|---|---|
$400 Deductible | $900 Deductible | $1,850 Deductible | $3,200 Deductible | |
Annual deductible (employee only/family) |
$400/$800 |
$900/$1,800 |
$1,850/$3,700 |
$3,200/$6,400 |
HSA-eligible |
No |
No |
Yes |
Yes |
Annual HSA contribution from Chubb (employee only/family) |
N/A |
N/A |
$500/$1,000 |
No |
Out-of-pocket maximum (employee only/family) |
$3,500/$7,000 |
$5,300/$10,600 |
$4,000/$8,000 |
$7,000/$14,000 |
Coinsurance |
You pay 30%, plan pays 70% |
You pay 20%, plan pays 80% |
You pay 20%, plan pays 80% |
You pay 30%, plan pays 70% |
Medical care: Your costs |
||||
Preventive care |
You pay $0 when you get services in-network. |
|||
Office visit (primary care/specialist) |
$25/$50 co-pay |
20% after deductible |
20% after deductible |
30% after deductible |
Telehealth visit |
Varies; visit each medical carrier site for details. |
|||
Urgent care visit |
$50 co-pay |
20% after deductible |
20% after deductible |
30% after deductible |
Emergency room visit |
$250 co-pay, then 30% after deductible |
20% after deductible |
20% after deductible |
30% after deductible |
Out-of-network coverage (Aetna and Horizon)
You have the flexibility to see any provider you wish, but you’ll pay more when you go out-of-network. Your in-network expenses do not count toward your out-of-network deductible or out-of-pocket maximum.
PPO Plans |
High deductible plans |
|||
---|---|---|---|---|
$400 Deductible | $900 Deductible | $1,850 Deductible | $3,200 Deductible | |
Annual deductible (employee only/family) |
$2,500/$5,000 |
$3,000/$6,000 |
$3,700/$7,400 |
$6,400/$12,800 |
HSA-eligible |
No |
No |
Yes |
Yes |
Annual HSA contribution from Chubb (employee only/family) |
N/A |
N/A |
$500/$1,000 |
No |
Out-of-pocket maximum (employee only/family) |
$7,000/$14,000 |
$10,600/$21,200 |
$8,000/$16,000 |
$14,000/$28,000 |
Coinsurance |
You pay 50%, plan pays 50% |
You pay 40%, plan pays 60% |
You pay 40%, plan pays 60% |
You pay 50%, plan pays 50% |
Medical care: Your costs |
||||
Preventive care |
50% after deductible |
40% after deductible |
40% after deductible |
50% after deductible |
Office visit (primary care/specialist) |
50% after deductible |
40% after deductible |
40% after deductible |
50% after deductible |
Telehealth visit |
Varies; visit each medical carrier site for details. |
|||
Urgent care visit |
50% after deductible |
40% after deductible |
40% after deductible |
50% after deductible |
Emergency room visit |
$250 co-pay, then 30% after deductible |
20% after deductible |
20% after deductible |
30% after deductible |
Covering Dependents?
Learn how your family's expenses accumulate toward your annual deductibles and annual out-of-pocket maximums.
How do I... | If I'm covering dependents... Aetna and Horizon members | |
---|---|---|
In the $1,850 Deductible Plan |
In the $400, $900 and $3,000 Deductible Plans |
|
Meet the annual deductible? |
You must spend $3,700 toward in-network expenses (your entire family deductible) before the plan begins to pay coInsurance for any family member.The individual deductible does not apply. |
The plan begins to pay coinsurance for each family member when their individual deductible is met, or for everyone when the family deductible is met. |
Meet the annual out-of-pocket maximum? |
You must spend $8,000 toward in-network expenses (your entire family out-of-pocket maximum) before the plan begins to pay 100% of covered expenses for any family member. The individual out-of-pocket maximum does not apply. |
The plan begins to pay 100% of covered expenses for each family member when their individual out- of-pocket maximum is met, or for everyone when the family out-of-pocket maximum is met. |
Carrier & Network Choice
You also have a choice of carriers. Aetna and Horizon Blue Cross Blue Shield are offered in all areas. You also have a choice of electing a preferred or non-preferred carrier between Aetna and Horizon. On the benefit portal when you go to enroll, you will see your preferred carrier will have lower premium deductions, which is a result of that carrier performing better in your area.
Find an in-network provider
Aetna aetna.com/docfind |
Horizon Blue Cross Blue Shield horizonblue.com/chubb |
|
---|---|---|
Search as a member by logging in to your Aetna account or search as a guest. When prompted to select a plan, you can select either "Aetna Choice® POS II (Open Access)" or "Aetna Premier care Network (APCN) Choice POS II/Open Access Managed Choice." |
Click "Doctor & Hospital Finder", then select your network based on the state in which you reside:
|
|
Aetna network choices |
||
If you choose Aetna as your medical plan provider, you may choose either the "Aetna Choice POS II (Open Access)" or "Aetna Premier Care Network (APCN) Choice POS II/Ope Access Managed Choice." | ||
Aetna Choice POS II network |
Aetna Premier Care Network |
|
A broader network if you need it |
A smaller, quality network with lower premium costs |
In-network preventive care is no cost to you. Services such as annual physicals, recommended immunizations and routine cancer screenings are fully covered, so you pay nothing.
Take advantage of preventive care-at no cost to you
All our medical plans cover routine, preventive care services at 100% when you see an in-network provider. Preventive care services include, but are not limited to:
Children | Females | Males |
---|---|---|
|
|
|