What medical benefits am I eligible for?


Important: This information only pertains to employees, retirees, and their dependents covered by Alcoa’s Choices health care plan.


The Choices health care plan gives you four options for your medical coverage:


What’s the same for each plan

  • Each is a PPO (preferred provider organization).
  • You can use in-network or out-of-network providers, but you'll pay less using an in-network doctor.
  • All plans provide free routine in-network preventive care.
  • There are no exclusions for pre-existing conditions (illnesses or injuries that occurred before you were covered by the plan).
  • Alcoa's medical plans do not include annual or lifetime maximums, meaning that you never have to worry about a catastrophic illness or injury terminating your coverage.      


What’s different

  • how much the plan costs you out of your pay (your pre-tax contribution through payroll deduction)
  • the costs you'll pay before the plan starts paying (deductible)
  • the amount you'll pay when you use your benefits (coinsurance)
  • the most you'll pay in one year if you have serious medical expenses (out-of-pocket maximum)


How to pick the best plan for you and your family

Ask yourself these questions:

  • How is my health? What about the health of my covered dependents?
  • Are any of us likely to be hospitalized next year?
  • Am I paying for more coverage than I need?
  • What were my medical bills this year? Are they likely to change next year?
  • Which coverage would make me feel most secure financially?