There are four new medical plans: Basic; Comprehensive; Health Reimbursement Arrangement (HRA); and the Health Savings Account (HSA).
These plans offer you a variety of costs and coverage levels to meet your needs. They may seem different than what we have today, but some parts are staying the same:
- Each is a PPO (preferred provider organization)
- If it's covered today, it's covered under these new plans
- Your medical claims administrator and networks are staying the same
- You can use in-network or out-of-network providers, but you'll always pay less using an in-network doctor
- All of the plans will continue to provide free routine in-network preventive care
To help make your decision you should look at:
- How much the plan costs you out of your paycheck (your pre-tax contribution)
- The costs you'll pay before the plan starts paying (deductible)
- The amount you'll pay when you use your benefits (coinsurance)
- What is the most you'll pay in one year if you have serious medical expenses (out-of-pocket maximum)
Take time to read about all of your choices, so that you can pick the plan that is right for you.
Basic
Comprehensive
Health Reimbursement Arrangement (HRA)
Health Savings Account (HSA)
Compare the Plans
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Did you know?
There are plans that will cost you less than our least expensive plan last year!
You should receive specific price information from your location in late September and then it will be on your enrollment worksheet in October.
Want to find out if your doctor is the network?
You can ask your doctor or contact the medical provider in your area. If you are unsure which company is the provider in your area, look at your medical card or ask your HR representative. (Medical networks are determined by your home ZIP code.)
Aetna
www.aetna.com
/docfind/custom/alcoa
1-800-918-6863
CIGNA
www.cigna.com/alcoa
1-800-814-3140
Highmark
www.highmarkbcbs.com
1-800-433-9906
UnitedHealthcare
www.myuhc.com
/groups/alcoa
1-800-396-6505
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