Aetna Medical

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CrowdStreet offers three different medical plan options through Aetna. All of the available options give you access to high-quality, comprehensive care. They differ in the way the cost of care is structured and in the strategies that you can use to control your expenses:

AETNA OAMC PPO 500 AND AETNA OAMC PPO 2000

The Aetna PPO plan is a traditional plan that gives you the greatest flexibility, combined with lower costs when you choose a provider within its broad national network. Choosing health professionals who participate in the PPO network keep your costs lower and eliminate paperwork.

AETNA OAMC HDHP 3200
When you are covered by a HDHP, you are eligible to participate in a Health Savings Account (HSA). An HSA is an investment tool that helps you save for health care expenses, including deductibles and coinsurance. Contributions to your HSA account are pre-tax, and any interest earned on the account is tax-free.

In 2024, you may contribute via payroll deduction up to $4,150 (including employer HSA contribution of $600), if you have individual coverage, or up to $8,300 (including employer contribution of $1,200) if you are covering yourself and at least one additional family member. If you are age 55 or older, you may contribute an additional $1,000 to your account. Contributions to your HSA roll over from year to year and accumulate if not used. You may use the funds to pay for any qualified health expenses incurred after the account is opened. You may pay the bill directly via the HSA debit card, or you may use the HSA to reimburse yourself for payments that you make. Payments and withdrawals made from your HSA to cover qualified health care expenses are tax-free.

PLAN COMPARISON  |  AT A GLANCE

	AETNA OAMC PPO 500		AETNA OAMC PPO 2000		AETNA OAMC HDHP 3200
	In-Network	Out-of-Network	In-Network	Out-of-Network	In-Network	Out-of-Network
Calendar Year Deductible (single/family)	$500/$1,000	$2,000/$6,000	$2,000/$4,000	$4,000/$12,000	$3,200/$6,400	$5,600/$16,800
Calendar Year Out-of-Pocket Max (single/family)	$1,500/$3,000	$6,000/$18,000	$6,000/$12,000	$12,000/$36,000	$4,000/$8,000	$8,000/$24,000
Office Visit  (primary/specialist)	$25/$50	50% after deductible	$35 / $60	50% after deductible	20% Coinsurance	50% Coinsurance
Preventive Care	No charge (deductible waived)	50% /visit after deductible (no charge for immunizations up to age 6)	No Charge	50% /visit after deductible (no charge for immunizations up to age 6)	No Charge	50% /visit after deductible (no charge for immunizations up to age 6)
Urgent Care	$75 copay	50% after deductible	$75 Copay	50% after deductible	20% coinsurance	50%coinsurance
Emergency Room (copay waived if admitted)	20% / visit after $300 copay		10% / visit after $300 copay		20% coinsurance
Inpatient Hospitalization	20% after deductible	50% after deductible	10% after deductible	50% after deductible	20% coinsurance	50% coinsurance
Retail Prescription Drugs (Tier 1/Tier 2/Tier 3/Tier 4)	$15/$50/$90	30% after copay $15/$50/$90	$15/$50/$90	30% after copay $15/$50/$90	$10/$35/$70	30% after copay $10/$35/$70
Mail Order Prescription Drugs - 90 day supply (Generic/Brand/Brand Non-Preferred)	$37.50/$125/$225	30% after copay $37.50/$125/$225	$37.50/$125/$225	30% after copay $37.50 / $125 / $225	$25/$87.50/$175	30% after copay $25/$87.50/$175

Please note that the information above only provides the highlights of our plan. Please refer to the full Plan Documents if you have questions about a plan or your coverage.