THE HCRA PLAN

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.

The HCRA is a unique medical plan that combines the essential elements of traditional plans with an important innovative feature, the HCRA Fund, a health reimbursement account. If you haven’t yet considered this plan, take time during this year’s Open Enrollment to review this option.

The HCRA provides you with medical and prescription drug coverage like all of the Price Rite plans — including the same extensive network of providers through Aetna. You will pay more when you need care (higher deductible and larger share of coinsurance).

In addition, the HCRA Fund can be used to pay for qualified health care expenses with before-tax dollars. And, you receive an annual contribution to your HCRA Fund to help offset your out-of-pocket expenses.

The HCRA, together with the HCRA Fund, encourages you to take a more active role in your health care spending, and to be a more cost- conscious health care consumer. The plan involves three features working together:

Deductible
You pay this amount before your medical plan begins to pay for eligible expenses. (Please note: prescription drug expenses are not subject to the deductible).

• The in-network deductible is $2,250 single or$4,500 family and the out-of-network deductible is $4,000 single or $8,000 family.
• The full out-of-network deductible (depending on coverage level) must be met before the medical plan begins to pay.

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

Health Plan
Once you meet your deductible, your medical plan pays 90% for in-network medical services and 60% for out-of-network medical services (up to the Medicare reimbursement level).

• You will pay 10% for in-network services.
• You will pay 40% plus any amount that exceeds the reimbursement level for out-of-network services. 
• Prescriptions drug expenses are subject to the applicable copays. 

The HCRA Fund
Helps you pay for eligible out-of-pocket expenses, such as your deductible.

• The HCRA Fund amount is $1,500 single and $3,000 family, and is paid by the Company.
• The remaining balance rolls over each year. This means if you were enrolled for single coverage in 2026 and have a balance of $200 at the end of the year, your 2027 HCRA Fund would increase by this amount and would be $1,700

Know Before You Go
Planning ahead can help you be an informed health care consumer — saving you time and money! When you enroll in the HCRA, you have an HCRA Fund funded by Price Rite that is used to pay for a portion of your deductible. By finding out the facts before you go for medical treatment, you can compare doctor’s rates and clinical performance to help you:

• Understand your cost for the medical services you need;
• Be prepared for out-of-pocket costs before you visit the doctor;
• Plan for health care expenses so you can manage your funds; and
• Make health care purchasing decisions based on overall value.

Since you are responsible for paying some or all of your health care expenses, it’s important to do your research and review your options — both price and quality — before you go! Compare doctor’s rates, specialist’s quality indicators, and more at www.aetna.com.