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
$900 Deductible Plan	$1,850 Deductible Plan $3,300 Deductible Plan	Aetna Horizon BCBS
$900 Deductible Plan This plan has a lower deductible and higher premiums, which reduces your out-of-pocket responsibility when you need health care. This plan 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.

PPO Plans

High Deductible Plans

Carriers/Networks

$900 Deductible Plan

$1,850 Deductible Plan
$3,300 Deductible Plan

Aetna
Horizon BCBS

$900 Deductible Plan

This plan has a lower deductible and higher premiums, which reduces your out-of-pocket responsibility when you need health care.

This plan 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 is one exception: In the $900 Deductible Plan, you and the plan share the cost of prescriptions right away, without needing to meet your deductible first. You'll pay a small percentage, with the plan paying the majority.	Coinsurance Once the deductible is met, you and the plan share any further health expenses until you meet the out-of-pocket maximum. NOTE: For the $1,850 Deductible Plan, you must spend $3,700 toward in-network expenses (the entire family deductible) before the plan begins to pay coinsurance for any family member. For this plan, the individual deductible does not apply.	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.

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 is one exception:

In the $900 Deductible Plan, you and the plan share the cost of prescriptions right away, without needing to meet your deductible first. You'll pay a small percentage, with the plan paying the majority.

Coinsurance

Once the deductible is met, you and the plan share any further health expenses until you meet the out-of-pocket maximum.

NOTE: For the $1,850 Deductible Plan, you must spend $3,700 toward in-network expenses (the entire family deductible) before the plan begins to pay coinsurance for any family member. For this plan, the individual deductible does not apply.

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 Plan	High Deductible Plans
	$900 Deductible	$1,850 Deductible	$3,300 Deductible
Annual deductible (employee only/family)	$900/$1,800	$1,850/$3,700	$3,300/$6,600
HSA-eligible	No	Yes	Yes
Annual HSA contribution from Chubb (employee only/family)	N/A	$500/$1,000	No
Out-of-pocket maximum (employee only/family)	$5,300/$10,600	$4,000/$8,000	$7,000/$14,000
Coinsurance	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)	20% after deductible	20% after deductible	30% after deductible
Telemedicine visit	$25 copay	$10 copay after deductible	$10 copay after deductible
Urgent care visit	20% after deductible	20% after deductible	30% after deductible
Emergency room visit	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 Plan	High Deductible Plans
	$900 Deductible	$1,850 Deductible	$3,300 Deductible
Annual deductible (employee only/family)	$3,000/$6,000	$3,700/$7,400	$6,600/$13,200
HSA-eligible	No	Yes	Yes
Annual HSA contribution from Chubb (employee only/family)	N/A	$500/$1,000	No
Out-of-pocket maximum (employee only/family)	$10,600/$21,200	$8,000/$16,000	$14,000/$28,000
Coinsurance	You pay 40%, plan pays 60%	You pay 40%, plan pays 60%	You pay 50%, plan pays 50%
Medical care: Your costs
Preventive care	40% after deductible	40% after deductible	50% after deductible
Office visit (primary care/specialist)	40% after deductible	40% after deductible	50% after deductible
Telemedicine visit	$25 copay	$10 copay after deductible	$10 copay after deductible
Urgent care visit	40% after deductible	40% after deductible	50% after deductible
Emergency room visit	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 $900 and $3,300 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.

How do I...

If I'm covering dependents...

Aetna and Horizon members

In the $1,850 Deductible Plan

In the $900 and $3,300 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.

Premium Rates

View premium rates