A+O 2023 Benefit Guide

Meritain Medical

Standard EPO

Base HDHP

Enhanced POS

Preventive

100% Covered

100% Covered

100% Covered

Primary & Specialist Visit

After Deductible: 10%

$25 / $40

$25 / $40

Deductible (Plan Year)

$2,850 / $5,700

$1,000 / $2,000

$1,000 / $2,000

Deductible Assistance (HRA)

$1,500 / $3,000

None

None

Coinsurance

10%

20%

10%

Inpatient & Outpatient Hospital

After Deductible: 10% After Deductible: 20% After Deductible: 10%

Emergency Room

$200 Copay

$200 Copay

$200 Copay

Rx

Ded. then $15 / $35 / $75

$100 then $15 / $35 / $75 $100 then $15 / $35 / $75

Gross Max Out of Pocket

$4,000 / $8,000

$5,000 / $10,000

$3,000 / $6,000

Net Max Out of Pocket

$2,500 /$5,000

$5,000 / $10,000

$3,000 / $6,000

Deductible

$2,000 / $4,000

No out of network coverage

Coinsurance

30%

Max Out of Pocket

$6,000 / $12,000

80 th

Reimbursements*

* Paid according to reasonable percentile. Excess charges are the patient’s responsibility

The best way to verify whether your doctor, lab or hospital participates in the Aetna Choice POS II network is to call the provider and ask. You can also search online at www.aetna.com/docfind/custom/mymeritain/ or call customer service at 1.800.925.2272 .

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