Medical Plan

Choose from three Aetna medical plans (includes prescription drugs) or waive coverage.

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ALEX

Aetna

Find a Pharmacy

Express Scripts National Preferred Formulary

Your Choice Overview

Our new medical plan administrator is Aetna. One of the biggest differences among the three plans is how you pay for services. With the Aetna Select and Aetna PPO plans, you pay more out of your paycheck and less when you need care. If you don’t go to the doctor often, or prefer to pay later, the Aetna PPO + HSA takes less out of your paycheck, but you pay the full cost of services until you meet the deductible. Consider this as you compare the plans.

Aetna Select	Aetna PPO	Aetna PPO + HSA
National narrow network plan with in-network benefits only	PPO plan with a broader provider network than Aetna Select	Consumer-driven health plan (CDHP) uses the same provider network as Aetna PPO HSA helps you pay for your eligible medical expenses, including deductible, tax free
No deductible when you choose in-network providers	Moderate deductible	Higher deductible, but lowest contributions from your pay
In-network preventive care 100% covered
No benefits out of network	Reduced benefits out of network	Reduced benefits out of network
Lowest overall out-of-pocket cost when you need care and choose in-network providers	Moderate overall out-of-pocket cost when you need care	Highest overall out-of-pocket cost when you need care, but HSA helps cover it

Your Choice Overview

Our new medical plan administrator is Aetna. One of the biggest differences among the three plans is how you pay for services. With the Aetna Select and Aetna PPO plans, you pay more out of your paycheck and less when you need care. If you don’t go to the doctor often, or prefer to pay later, the Aetna PPO + HSA takes less out of your paycheck, but you pay the full cost of services until you meet the deductible. Consider this as you compare the plans.

Select the tab for each plan to review the details.

National narrow network plan with in-network benefits only

No deductible when you choose in-network providers

In-network preventive care 100% covered

No benefits out of network

Lowest overall out-of-pocket cost when you need care and choose in-network providers

PPO Plan with a broader provider network than Aetna Select

Moderate deductible

In-network preventive care 100% covered

Reduced benefits out of network

Moderate overall out-of-pocket cost when you need care

Consumer-driven health plan (CDHP) uses the same provider network as Aetna PPO

HSA helps you pay for your eligible medical expenses, including deductible, tax free

Higher deductible, but lowest contributions from your pay

In-network preventive care 100% covered

Reduced benefits out of network

Highest overall out-of-pocket cost when you need care, but HSA helps cover it

Medical and Prescription Drug Plans at a Glance

Medical Comparison

The plans differ in the providers available to you and how much you pay for your plan, services, and medications.

Note: New combined medical/prescription drug ID cards will be issued for fiscal year 2027 (starting July 1, 2026). Please watch your mail for your new ID card and begin using it July 1, 2026. (You’ll see Evernorth Health Services on your ID card and in different pharmacy communications because they own Express Scripts and the Accredo Specialty Pharmacy.)

			In-Network Medical Coverage Details
	Per Pay Period Cost (effective 7/1/2026, unless noted otherwise)	AIC HSA Contribution	Preventive Care	Annual Deductible	Coinsurance	Office Visit (including CVS Virtual Care)	Urgent Care/ Emergency Room	Out-of-Pocket Maximum (includes deductible)
Aetna Select¹	Employee Only: $98.33 Employee + 1 Dependent: $240.36 Employee + Family: $407.35	NA	100% covered	NA	NA	$25 copay for primary doctor $40 copay for specialist $0 copay for CVS Health Virtual Care	$75 copay for urgent care $250 copay for emergency room (waived if admitted)	$2,500 per person $5,000 per family
			In-Network Medical Coverage Details
	Per Pay Period Cost	AIC HSA Contribution	Preventive Care	Annual Deductible	Coinsurance	Office Visit	Urgent Care/ Emergency Room	Medical and Presciption Drug Out-of-Pocket Maximum (includes deductible)
Aetna PPO	Employee Only: -Effective 7/1/2026: $101.19 -Effective 9/1/2026: $105.23 Employee + 1 Dependent: -Effective 7/1/2026: $247.33 -Effective 9/1/2026: $257.23 Employee + Family: -Effective 7/1/2026: $419.16 -Effective 9/1/2026: $435.92	NA	100% covered	$600 per person $1,200 per family	You pay 15% after deductible	$25 copay for primary doctor $40 copay for specialist $0 copay with no deductible for CVS Health Virtual Care	You pay 15% after deductible	$3,000 per person $6,000 per family
Aetna PPO + HSA	Employee Only: $60.50 Employee + 1 Dependent: $161.28 Employee + Family: $282.69	$500 for Employee Only coverage $1,000 for Employee + 1 or Family coverage	100% covered	$2,000 per person $3,500 per family	You pay 15% after deductible	You pay 15% after deductible 100% covered with no deductible for CVS Health Virtual Care	You pay 15% after deductible	$3,500 per person $7,000 per family²

This plan only covers services within its network of providers. If you choose to go out of network, you will pay the full cost of care.
With family coverage, any individual family member will meet their out-of-pocket maximum when they have paid the individual out-of-pocket maximum of $3,000. The remaining family members will continue to pay until either they reach their individual maximum of $3,000, or the family out-of-pocket maximum of $6,000 is met.

Prescription Drug Comparison

	Up to 30-Day Supply Prescriptions (In-Network Retail)				90-Day Supply Prescriptions (Mail-Order or In-Network Retail)			Preventive Drugs Coverages
	Generic	Brand Formulary	Brand Non-formulary	Specialty (Accredo)	Generic	Brand Formulary	Brand Non-formulary	ACA Standard Prescription Drugs ³	Enhanced Preventive Drugs ⁴
Aetna Select	$10 copay	$40 copay	$70 copay	$100 copay	$20 copay	$80 copay	$140 copay	100% covered	NA



Aetna PPO	$10 copay	$40 copay	$70 copay	$100 copay	$20 copay	$80 copay	$140 copay	100% covered	NA
Aetna PPO + HSA	You pay 15% after deductible	You pay 15% after deductible	You pay 15% after deductible	You pay 15% after deductible	You pay 15% after deductible	You pay 15% after deductible	You pay 15% after deductible	100% covered	You pay 15% with no deductible; coinsurance counts toward out-of-pocket maximum

This plan only covers services within its network of providers. If you choose to go out of network, you will pay the full cost of care.
With family coverage, any individual family member will meet their out-of-pocket maximum when they have paid the individual out-of-pocket maximum of $3,500. The remaining family members will continue to pay until either they reach their individual maximum of $3,500, or the family out-of-pocket maximum of $7,000 is met.
Includes aspirin, fluoride, folic acid, smoking cessation, contraceptives, drugs for prevention and treatment of cancer. Limitations based on age and health conditions apply.
Includes certain drugs for asthma, bone disease, diabetes, heart disease, high blood pressure, and to lower cholesterol.

Medical and Prescription Drug Plans at a Glance

The plans differ in the providers available to you and how much you pay for your plan, services, and medications.

Note: New combined medical/prescription drug ID cards will be issued for fiscal year 2027 (starting July 1, 2026). Please watch your mail for your new ID card and begin using it July 1, 2026. (You’ll see Evernorth Health Services on your ID card and in different pharmacy communications because they own Express Scripts and the Accredo Specialty Pharmacy.)

Per Pay Period Cost (effective 7/1/2026, unless noted otherwise)	Employee Only: $98.33 Employee + 1 Dependent: $240.36 Employee + Family: $407.35
AIC HSA Contribution	NA
In-Network Medical Coverage Details
Preventive Care	100% covered
Annual Deductible	NA
Coinsurance	NA
Office Visit (including CVS Virtual Care)	$25 copay for primary doctor $40 copay for specialist $0 copay for CVS Health Virtual Care
Urgent Care/Emergency Room	$75 copay for urgent care $250 copay for emergency room (waived if admitted)
Out-of-Pocket Maximum	$2,500 per person $5,000 per family
Up to 30-Day Supply Prescriptions (Retail)
Generic	$10 copay
Brand Formulary	$40 copay
Brand Non-formulary	$70 copay
Specialty (Accredo)	$100 copay
90-Day Supply Prescriptions (Mail-Order or Retail)
Generic	$20 copay
Brand Formulary	$80 copay
Brand Non-formulary	$140 copay
Preventive Drugs Coverages
ACA Standard Prescription Drugs³	100% covered
Enhanced Preventive Drugs⁴	NA

Per Pay Period Cost	Employee Only: Effective 7/1/2026: $101.19 Effective 9/1/2026: $105.23 Employee + 1 Dependent: Effective 7/1/2026: $247.33 Effective 9/1/2026: $257.23 Employee + Family: Effective 7/1/2026: $419.16 Effective 9/1/2026: $435.92
AIC HSA Contribution	NA
In-Network Medical Coverage Details
Preventive Care	100% covered
Annual Deductible	$600 per person $1,200 per family
Coinsurance	You pay 15% after deductible
Office Visit (including CVS Virtual Care)	$25 copay for primary doctor $40 copay for specialist $0 copay with no deductible for CVS Health Virtual Care
Urgent Care/Emergency Room	You pay 15% after deductible
Out-of-Pocket Maximum (includes deductible)	$3,000 per person $6,000 per family
Up to 30-Day Supply Prescriptions (Retail)
Generic	$10 copay
Brand Formulary	$40 copay
Brand Non-formulary	$70 copay
Specialty (Accredo)	$100 copay
90-Day Supply Prescriptions (Mail-Order or Retail)
Generic	$20 copay
Brand Formulary	$80 copay
Brand Non-formulary	$140 copay
Preventive Drugs Coverages
ACA Standard Prescription Drugs³	100% covered
Enhanced Preventive Drugs⁴	NA

Per Pay Period Cost	Employee Only: $60.50 Employee + 1 Dependent: $161.28 Employee + Family: $282.69
AIC HSA Contribution	$500 for Employee Only coverage $1,000 for Employee + 1 of Family coverage
In-Network Medical Coverage Details
Preventive Care	100% covered
Annual Deductible	$2,000 per person $3,500 per family
Coinsurance	You pay 15% after deductible
Office Visit (including CVS Virtual Care)	You pay 15% after deductible 100% covered with no deductible for CVS Health Virtual Care
Urgent Care/Emergency Room	You pay 15% after deductible
Out-of-Pocket Maximum (includes deductible)	$3,500 per person $7,000 per family²
Up to 30-Day Supply Prescriptions (Retail)
Generic	You pay 15% after deductible
Brand Formulary	You pay 15% after deductible
Brand Non-formulary	You pay 15% after deductible
Specialty (Accredo)	You pay 15% after deductible
90-Day Supply Prescriptions (Mail-Order or Retail)
Generic	You pay 15% after deductible
Brand Formulary	You pay 15% after deductible
Brand Non-formulary	You pay 15% after deductible
Preventive Drugs Coverages
ACA Standard Prescription Drugs³	100% covered
Enhanced Preventive Drugs⁴	You pay 15% with no deductible; coinsurance counts toward out-of-pocket maximum

This plan only covers services within its network of providers. If you choose to go out of network, you will pay the full cost of care.
With family coverage, any individual family member will meet their out-of-pocket maximum when they have paid the individual out-of-pocket maximum of $3,500. The remaining family members will continue to pay until either they reach their individual maximum of $3,500, or the family out-of-pocket maximum of $7,000 is met.
Includes aspirin, fluoride, folic acid, smoking cessation, contraceptives, drugs for prevention and treatment of cancer. Limitations based on age and health conditions apply.
Includes certain drugs for asthma, bone disease, diabetes, heart disease, high blood pressure, and to lower cholesterol.

Learn More

ALEX

Aetna

Find a Pharmacy

Express Scripts National Preferred Formulary