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.
Use Your Primary Care Physician You may be thinking, why bother with a Primary Care Physician (PCP) when you can easily be seen at a local medical clinic or the emergency room (ER). While your walk-in-clinic or local ER may be ideal for urgent medical conditions, it’s important to establish an ongoing relationship with a Primary Care Physician. They know you and your medical history, allowing them to recognize changes in your health. A Primary Care Physician cares for you as an entire person—physically, mentally, and emotionally—in addition to overseeing all of your routine care. Your Primary Care Physician can provide education about preventive care which helps you take charge of your health, save money, and help you navigate through chronic or complex illnesses. They also act as your advocate and refer you to specialists as needed.
Your PCP’s office is the best place for:
Get the Facts About Your Doctor in 3 Simple Steps You can find the rates doctors have agreed to charge for up to 30 commonly used services provided by primary care and specialty care physicians and certain health care professionals, such as chiropractors and physical therapists. You also can access details about clinical performance. Visit your member website on Aetna Health through www.aetna.com or the Aetna Health app.
The HCRA Fund Helps you pay for eligible out-of-pocket expenses, such as your deductible.
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
Maximize Your Preventive Benefits The medical plans pay 100% for in-network preventive services for adults and children when the main purpose of the visit is for preventive care. Covered services are determined based on your age, gender, and risk status. There is no copay, deductible, or coinsurance for in-network preventive services such as office visits, screenings, counseling, and appropriate immunizations.
Consider using an urgent care facility before the emergency room. ERs should be used only for true emergencies. Did you know that you will wait longer and pay more for non-emergency care in an emergency room (ER) than in an Urgent Care Facility or Walk-In Clinic? It costs a lot of money for hospitals to support all the equipment and staff that an ER requires. So, visits to the ER generally cost much more than those to a doctor’s office or an Urgent Care Facility. Plus, your medical plan copays for ER visits will be higher than the copays for doctor’s or Urgent Care Facility visits. In addition to the ER copay, in some cases, you may receive a separate bill from your emergency room physician. There is generally only one charge for your Urgent Care bill.
Your wait time may be longer too. Emergency rooms treat the patients with the most serious conditions first, so patients with less urgent needs will often wait longer to see a doctor. An Urgent Care Facility will only see patients with routine conditions, and it’s usually on a first-come, first-served basis. Simply put, when it’s not a true emergency, an Urgent Care Facility or Walk-In Clinic is the better choice. Locating an Urgent Care Facility
