Medical Benefits
Your employer offers medical insurance to protect the health of you and your family. It covers medical expenses such as visits to the doctor’s office, emergency care, and prescription drugs. It’s important to have a medical plan that meets your needs and the needs of your family.
Keep in mind that your out-of-pocket costs will be lower if you receive care from an in-network doctor and facility. To find an in-network doctor, please visit www.meritain.com and use the Aetna Open Choice PPO network.
Traditional PPO |
In-Network |
Out-of-Network |
|---|---|---|
Deductible |
$1,200/$2,400 |
$1,800/$3,600 |
Member Coinsurance |
20% |
40% |
Out-of-Pocket Max |
$3,200/$6,400 |
$6,400/$12,800 |
Preventive Care |
No charge |
Deductible then coinsurance |
Primary Care Visit |
$25 copay |
Deductible then coinsurance |
Specialist Visit |
$50 copay |
Deductible then coinsurance |
Lab and X-Ray Services |
Deductible then coinsurance |
Deductible then coinsurance |
Hospital Services (Inpatient/Outpatient) |
Deductible then coinsurance |
Deductible then coinsurance |
Urgent Care |
$50 copay |
Deductible then coinsurance |
Emergency Room |
$200 copay, then in-network deductible then coinsurance |
$200 copay, then in-network deductible then coinsurance |
Retail Prescriptions |
In-Network |
Out-of-Network |
|---|---|---|
Generic |
$10 copay |
$10 copay, then 50% coinsurance |
Formulary Brand Name |
$50 copay |
$50 copay, then 50% coinsurance |
Non-Forumular Brand Name |
$70 copay |
$70 copay, then 50% coinsurance |
Mail Order Prescriptions |
In-Network |
Out-of-Network |
|---|---|---|
Generic |
$20 copay |
$20 copay, then 50% coinsurance |
Formulary Brand Name |
$100 copay |
$100 copay, then 50% coinsurance |
Non-Formulary Brand Name |
$140 copay |
$140 copay, then 50% coinsurance |
Associate Cost |
Monthly Rate |
Per Pay Period Rate |
|---|---|---|
Associate Only |
$210 |
$96.92 |
Associate + Child(ren) |
$510 |
$235.38 |
Associate + Spouse |
$615 |
$283.85 |
Associate + Family |
$695 |
$320.77 |
Associate + Domestic Partner |
Available |
Available |
Your employer offers medical insurance to protect the health of you and your family. It covers medical expenses such as visits to the doctor’s office, emergency care, and prescription drugs. It’s important to have a medical plan that meets your needs and the needs of your family.
Keep in mind that your out-of-pocket costs will be lower if you receive care from an in-network doctor and facility. To find an in-network doctor, please visit www.meritain.com and use the Aetna Open Choice PPO network.
Healthy Investment Plan |
In-Network |
Out-of-Network |
|---|---|---|
Deductible |
$3,200/$6,400 |
$3,200/$6,400 |
Member Coinsurance |
0% |
20% |
Out-of-Pocket Max |
$3,200/$6,400 |
$6,400/$12,800 |
Preventive Care |
No charge |
Deductible then coinsurance |
Primary Care Visit |
Deductible |
Deductible then coinsurance |
Specialist Visit |
Deductible |
Deductible then coinsurance |
Lab and X-Ray Servces |
Deductible |
Deductible then coinsurance |
Hospital Inpatient |
Deductible |
Deductible then coinsurance |
Urgent Care |
Deductible |
Deductible then coinsurance |
Emergency Room |
In-network deductible |
In-network deductible |
Retail Prescriptions |
In-Network |
Out-of-Network |
|---|---|---|
Generic |
Deductible |
Deductible, then $10 copay, then 50% coinsurance |
Formulary Brand Name |
Deductible |
Deductible, then $50 copay, then 50% coinsurance |
Non-Formulary Brand Name |
Deductible |
Deductible, then $70 copay, then 50% coinsurance |
Mail Order Prescriptions |
In-Network |
Out-of-Network |
|---|---|---|
Generic |
Deductible |
Deductible, then $20 copay, then 50% coinsurance |
Formulary Brand Name |
Deductible |
Deductible, then $100 copay, then 50% coinsurance |
Non-Formulary Brand Name |
Deductible |
Deductible, then $140 copay, then 50% coinsurance |
Associate Only |
Monthly Rate |
Per Pay Period Rate |
|---|---|---|
Associate Only |
$155 |
$71.54 |
Associate + Child(ren) |
$415 |
$191.54 |
Associate + Spouse |
$510 |
$235.38 |
Associate + Family |
$605 |
$279.23 |
Associate + Domestic Partner |
Available |
Available |
This is a narrow-network medical plan and offers only in-network coverage (Aetna Open Choice PPO), except for emergency care.
Find an in-network doctor by visiting www.meritain.com.
Network Only Plan |
In-Network |
|---|---|
Deductible |
$2,500/$5,000 |
Member Coinsurance |
0% |
Out-of-Pocket Max |
$2,500/$5,000 |
Preventive Care |
Covered at 100% |
Primary Care Visit |
$0 copay |
Specialist Visit |
Deductible |
Lab and X-Ray Services |
$0 |
Hospital Inpatient |
Deductible |
Urgent Care |
Deductible |
Emergency Room |
Deductible + 0% |
Retail Prescriptions |
In- Network |
|---|---|
Generic |
$15 copay |
Formulary Brand Name |
$50 copay |
Non-Formulary Brand Name |
Deductible |
Mail Order Prescriptions |
In-Network |
|---|---|
Generic |
$15 |
Formulary Brand Name |
$125 |
Non-Formulary Brand Name |
Deductible |
Associate Cost |
Monthly Rate |
Per Pay Period Rate |
|---|---|---|
Associate Only |
$145 |
$66.92 |
Associate + Child(ren) |
$375 |
$173.08 |
Associate + Spouse |
$480 |
$221.54 |
Associate + Family |
$550 |
$253.85 |
Associate + Domestic Partner |
Available |
Available |