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2017 NEW HIRE BENEFITS

GUIDE

10

Value Consumer-Directed Health Plan

The

Value Consumer-Directed Health Plan

(Value CDH Plan)

is a high-deductible health

plan that complies with government regulations

allowing you to open an associated Health

Savings Account (HSA). The annual deductibles

are:

VALUE CDH PLAN DEDUCTIBLES

Employee-Only

$1,500

Employee + Spouse, Employee +

Child(ren) or Employee + Family

$3,000

If you enroll yourself and any dependents in the

Value CDH Plan

option, the family deductible

must be satisfied before the plan will begin to

pay. This feature means that even if only one

family member has substantial claims, your

combined family deductible is still the full

$3,000. Your family deductible is not protected

by individual sub-limits as it is under the other

two medical plan options.

The plan covers designated in-network

preventive care at 100%, just like the other

two medical plan options. For services that

are not considered preventive care, you must

first satisfy the applicable deductible. Then the

plan co-insurance provisions will apply. Like the

Choice PPO Plan

, the plan pays benefits at a

higher level if you use Aetna network providers:

VALUE CDH PLAN CO-INSURANCE

Plan Pays

You Pay

In-Network Services

70%

30%

Out-of-Network Services

50%

50%

Once your out-of-pocket costs (including the

deductible) reach the maximums below, the plan

pays 100% of covered expenses for the rest of

the calendar year.

VALUE CDH PLAN OUT-OF-POCKET MAXIMUMS

Employee-Only

$4,500

Employee + Spouse, Employee +

Child(ren) or Employee + Family

$9,000

Unlike the deductible, the out-of-pocket maximum

is “family style,” which means that if you enroll

yourself and any eligible dependents in the plan,

no one person will have to contribute more than

the individual out-of-pocket maximum ($4,500) to

the total family out-of-pocket maximum ($9,000).

Health Savings Account (HSA)

The

Value CDH Plan

includes a $10, $20

or $40 prescription copay for designated

preventive drugs, which is not subject to the

deductible. Other drugs are subject to the total

Value CDH Plan

deductible and co-insurance

provisions, rather than specified prescription

copay amounts as found under the

Select EPO

Plan

and

Choice PPO Plan

. Details of the

Prescription Drug Plan for the three medical

plan options are featured on page 20.