Medical and Prescription Drug You have access to various benefit choices for you and your family — including four medical options designed to help you manage your health and budget. Understanding your choices is the first step to making a decision that will help you and your family. Well-being Programs We offer resources and tools to help you get and stay healthy. This includes 100% coverage for preventive care and free resources for living a healthy lifestyle. Special programs to help you get great care and save money too, such as Aetna Concierge Customer Service, Meru Health Mental Health Care, MSK Direct, Prudent Rx Copay Optimization Program, PinnacleCare health advisory services, and more. Dental We offer benefits to help pay for preventive, basic, and major dental services.
As partners in health, we have a shared responsibility to manage health care costs by being informed and engaged health care consumers. Most health care costs are tied to decisions and behaviors we can control and improve. That’s why making smart choices every day is so important. Here are 10 ways to save: 1. Think ahead — Don’t just automatically keep the same benefits every year. Take a little time and research the benefit options before making a selection. 2. Know what the medical plan covers — Understand your plan before you need to use it. Find out about pre- approvals, emergency room visits, copays for doctor visits, and coinsurance for procedures. 3. Get physically fit and practice preventive care
4. Remember to NETWORK — Always use an Aetna in-network doctor or facility; not doing so may result in paying more from your own pocket. 5. Pick the right facility — If your condition isn’t life-threatening, don’t go to the emergency room. A persistent cough or a broken finger may be better treated by Teladoc or an urgent care facility at a much lower cost.
6. Be a smart shopper — Look up prices for medical procedures in your area using FAIR Health’s “Consumer Cost Lookup” tool. This can help you plan for out-of-pocket health costs, or, contact other providers and ask for a quote to see if they offer a lower price for a specific procedure. 7. Use Teladoc — Consult with a doctor online or over the phone for minor conditions. It’s a convenient treatment option that saves time and stress by not having to leave home or work. 8. Check bills and insurance EOBs for errors —A mistake in coding can mean the difference between a procedure with no copay and one that costs you money. 9. Cut your prescription costs
Vision Our benefits help pay for eye exams and glasses/contacts. Basic Life Insurance Price Rite Team Members are eligible for 1.5 times their annualized salary in basic life insurance. Long-Term Disability Take advantage of benefits that provide a portion of your salary in the event you become disabled and cannot work. Additional Optional Life Insurance Associates are eligible for up to 3 times their annualized salary in optional life insurance. They can purchase additional financial protection for their family at very competitive prices (subject to the insurer’s underwriting approval). Summary Plan Description
10. Ask questions
