Choosing the right medical plan takes careful planning—not just because your selections remain effective until the next Open Enrollment period or you experience a life event, but also because your choices have a big impact on your health and finances. Review the 2018 Rewards Guide [PDF] for an at-a-glance look at what each plan covers or watch a 7-minute video for an overview. The Health Care 101 tip sheet [PDF] breaks down the benefits jargon to help you understand medical plan details.
Your options are:
- The Aetna HealthSave (HSA) Plan: Offers choice at a low cost, since you are in control of choosing your doctors and how much you spend. You can manage health care spending through your Health Savings Account, and Adobe will contribute to that account, too! Just be sure you are eligible for an HSA before you enroll in this plan. Watch this 5-minute video to learn more about this plan.
- The Aetna HealthSave Basic Plan: Covers the same types of services as the Aetna HealthSave (HSA) plan, at a lower per-paycheck price. However, it also pays for a smaller share of medical expenses, so when you need care, you’ll pay more. Also, Adobe will not contribute to the HSA if you choose to open one with your own contributions. The Aetna HealthSave Basic plan may be right for you if you mainly go to the doctor for preventive care, or for a few checkups a year or are not eligible for an HSA because HSA contributions are optional. Watch this 5-minute video to learn more about this plan.
- The Kaiser HMO (available to California employees): Offers a network many find easy and convenient to use and keeps out-of-pocket costs low when you get care but you pay more per-paycheck than with the other two options. This plan also has less flexibility in terms of what doctors and providers you can see. Watch this 2-minute video to learn more about this plan.
- Waive Adobe Medical: Compare Adobe’s medical plan offerings to other coverage you have available (e.g. through your spouse or parents) and if their plan better meets your needs, opt-out of Adobe’s medical coverage and receive $650 in a full year from Adobe with proof of other coverage ($25 added to your earnings every pay period).
Tips for choosing and using your medical plan
Leverage online tools. Use online calculators to compare the cost of selecting different plans—copays, hospital costs, deductibles and other factors—based on your assumed health care usage and spending. Such tools can be a big help in picking the best plan for you. Try:
- ALEX, to give you personalized benefits decision-making support with the help of a virtual benefits counselor.
- Aetna’s Plan Selection & Cost Estimator tool, to estimate your share of costs based on Aetna cost data and provisions of the Aetna medical plans. The Plan Selection & Cost Estimator also estimates your share of pharmacy costs based on average cost data for Aetna-sponsored pharmacy plans. Use the annualized employee contributions [PDF] for this tool.
Factor in your spouse's/domestic partner's coverage. If your spouse/domestic partner has health coverage through his/her employer, review those plans and costs. Their plans’ network or coverage design may better align with how you use health care, or it may be cheaper for him/her or even your whole family to be covered by his/her plan. If you're considering dual coverage, make sure you understand the coordination of benefits rules under both plans (see Plan Booklets for Adobe’s). If you cover a domestic partner or domestic partner's child who does not qualify as a tax dependent, the coverage will cost you more because that contribution will be taken on a post-tax basis and the income tax withheld from your paycheck will be increased to cover the tax due on the imputed income value of benefit coverage. It's one more factor to consider when you're making enrollment decisions regarding Adobe's plans.
Pick a plan that's best aligned with how you (and your family) commonly use health care. If you or a covered family member needs a particular type of health care-chiropractic care or specialized behavioral health services, for example—use care in selecting a plan that offers the most coverage for that service.
Check for your favorite doctors. Make sure your favorite primary care doctors and specialists are in-network for the plan you choose. If you elect an Aetna plan, you can see out-of-network providers but your cost will be higher so be sure you know before you go. Note the Aetna HealthSave (HSA) Plan and the Aetna HealthSave Basic Plan offer the same list of network providers -the Open Access Choice POS II Network (and for Utah employees the Utah Connected Network). If you’re considering Kaiser, remember you must use Kaiser doctors and facilities and your care is subject to referrals from your primary care physician.
Don't forget about prescription coverage! Adobe has full prescription coverage that addresses most employees’ medicine needs. Your medical plan provides a specific drug formulary. To check drug coverage and costs, log in to your plan’s member website or call their member services team. For Aetna, you may also refer to the drug guide [PDF] and recent changes to the guide [PDF], which list all of the covered drugs and their cost to you. Your plan's formulary also will describe what discounts you might receive by opting for generics or getting your prescriptions in the mail.
Decide if you want a plan that features a Health Savings Account. In terms of how to save for health care expenses, it's hard to beat the tax advantages of an HSA:
- Your contributions to the account are tax-free.
- The interest on your savings is tax-free.
- When you spend your HSA funds on eligible medical expenses, those expenses also are tax-free.
Just be sure you are eligible for an HSA. If you are not eligible for an HSA, you should not make personal HSA contributions nor receive HSA employer contributions.
Take advantage of wellness resources. Adobe offers you resources and incentives to get and stay healthy, including fitness benefits! These resources complement your medical plan—whichever one you choose—and using them to get healthier can help you save money on your contributions in the long run.
You’ve got support finding quality care. In addition to the tools your Adobe medical plan offers to find providers, Adobe offers you additional resources! To learn more about Castlight, Teladoc, One Medical and Best Doctors click on Finding quality care.