SPEAR 2024 Benefit Guide

Plan Features

Aetna HSA $4000

Aetna HSA $2500

Aetna OAP

Medical

IN NETWORK Deductibles (Indiv / Family)

$4,000 / $8,000

$2,500 / $5,000

$1,500 / $3,000

$0

100%

$0

Preventive Care

Ded. then $40 Ded. then $60

Ded. & 20% Coins. Ded. & 20% Coins. Ded. & 20% Coins. Ded. & 20% Coins. Ded. & 20% Coins. Ded. & 20% Coins. Ded. & 20% Coins. Ded. & 20% Coins.

$30 $50

Primary Care Visit

Specialist Visit

Ded. Ded. Ded. Ded.

100% 100%

Diagnostic Exam

X-Rays

Ded. & 10% Coins. Ded. & 10% Coins.

Outpatient Procedure

Inpatient Visit

Ded. then $100 Ded. then $75

$150

Emergency Room

$75

Urgent Care

Ded. then $10.00 / $40.00 / $70.00

Ded. then $10.00 / $40.00 / $70.00

Pharmacy / RX (30 Day Supply) Pharmacy / RX (90 Day Supply)

$10.00 / $40.00 / $70.00

2.5x

2.5x

2.5x

$6,250 / $12,500

$5,000 / $10,000

$3,000 / $6,000

Out-of-Pocket Max (Indiv / Family)

OUT OF NETWORK Deductibles (Indiv / Family)

Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered

$5,000 / $10,000 Ded. & 50% Coins. Ded. & 50% Coins. Ded. & 50% Coins. Ded. & 50% Coins. Ded. & 50% Coins. Ded. & 50% Coins. Ded. & 50% Coins. Ded. & 20% Coins. Ded. & 50% Coins.

$3,000 / $6,000

Not Covered

Preventive Care

Ded. & 50% Coins. Ded. & 50% Coins.

Primary Care Visit

Specialist Visit

Not Covered Not Covered

Diagnostic Exam

X-Rays

Ded. & 50% Coins. Ded. & 50% Coins.

Outpatient Procedure

Inpatient Visit

$150

Emergency Room

Ded. & 50% Coins.

Urgent Care

Not Covered

$10,000 / $20,000

$6,000 / $12,000

Out-of-Pocket Max (Indiv / Family)

Weekly $41.62 $197.47 $152.98 $259.48

Bi-Weekly

Weekly $64.28 $249.49 $197.73 $396.66

Bi-Weekly

Weekly $90.86 $300.68 $242.26 $465.54

Bi-Weekly

EMPLOYEE COST

$83.23 $394.95 $305.95 $518.95

$128.56 $498.97 $395.45 $793.33

$181.72 $601.35 $484.53 $931.08

Employee

Employee + Spouse

Employee + Child(ren)

Employee + Family

Let’s keep moving, New York. Let’s keep moving.

10

Made with FlippingBook - Share PDF online