Medical plans overview
Adobe’s health care options are designed to provide you with comprehensive and affordable medical coverage. All plans cover preventive care and provide financial protection in the event of illness or injury.
Your medical plan options
Depending on where you live and other circumstances, you may have more than one choice for coverage. You can also waive Adobe medical coverage if you have other coverage, and you’ll receive $25 from Adobe every pay period.
The plans available to you will appear as options on the Adobe benefits enrollment site and could change if you move. For example, the Kaiser HMO is only available to California and Washington employees whose home ZIP codes are in Kaiser’s service area. And the Aetna Out of Area HealthSave plan is only available to those who live outside of Aetna’s network.
Medical plan options
Adobe offers three Aetna medical plans and a Kaiser HMO option if you live in California or Washington. In Hawai‘i, coverage is through HMSA. Learn about your options:Aetna Kaiser HMSA
The Adobe/Kaiser microsite offers plan details whether you’re considering enrolling in Kaiser or you’re already a Kaiser member.
Questions to think about when choosing a plan
Does your spouse/domestic partner have coverage through an employer?
Compare per-paycheck costs for coverage and how much you’ll pay when you need care under both plans (e.g., deductible, coinsurance, out-of-pocket maximum). See whether it makes sense for both of you to be on one plan or for each of you to be covered separately.
Are you considering dual coverage (being covered through Adobe and your spouse’s or parent’s plan)?
If you have dual coverage—that is, if you or your dependents are also covered under another health plan—be sure you know how Adobe’s plan and the other insurance company determine which plan will pay a claim first and whether the other policy will contribute. (See the plan booklets > Coordination of benefits for Adobe’s COB provisions). Dual coverage does not mean double benefits!
Additionally, if are enrolled in one of Adobe’s Aetna medical plans and your spouse’s or parent’s plan is not a high-deductible health plans (an HSA-qualified medical plan), dual coverage will impact your HSA eligibility which may require you to make changes to your Adobe elections. (See Can I enroll in the Aetna medical plans if I am not eligible for an HSA? below.)
Will you cover a domestic partner or domestic partner's child who does not qualify as a tax dependent?
If so, your per-paycheck contribution for coverage will be taken on an after-tax basis, and the income tax withheld from your paycheck will be increased to cover the tax due on the imputed income value [PDF] of the benefit coverage.
Are your doctors and other providers in-network?
You can use the plans’ find-a-doctor tools to check if yours are in-network. If you’re not yet an Aetna member, visit the Adobe Aetna microsite to check the Open Access Choice POS II Network (and in Utah, the Utah Connected Network). Aetna members, should log in to the Aetna website (SSO) to look up providers. The Aetna plans allow you to see out-of-network providers, although you’ll pay more for and you might also receive a bill from an out-of-network provider for the difference between their charge and what your plan pays (balance billing).
With the Kaiser HMO, you must use Kaiser doctors and facilities—there is no coverage for out-of-network care except in an emergency.
What about prescription drugs?
Prescription coverage is provided through the medical plan you select. To check drug coverage and costs, log in to your plan’s member website, or call their member services team.
If you’re not yet enrolled in Aetna, view the Aetna formulary for a list of covered drugs and exclusions. Call Aetna 800-884-9565 if you have any questions.
If you’re not yet enrolled in Kaiser, call their pre-enrollment support line 800-324-9208 to check on covered drugs and exclusions.
Want to save on taxes?
Adobe’s Aetna medical plans are all high-deductible health plans that are compatible with a Health Savings Account (HSA). If you enroll in one of the Aetna plans, you can enjoy the triple tax-savings advantage of an HSA if you’re eligible:
- Your contributions to the account are federal tax-free.
- The interest on your savings is federal tax-free.
- Your withdrawals to pay for eligible medical expenses are federal tax-free.
If you are enrolled in Medicare, you cannot contribute to an HSA.
Can I enroll in the Aetna medical plans if I am not eligible for an HSA?
Yes, but not all Aetna plan options may be available to you. When you enroll on the Adobe Benefits Enrollment Site, you’ll be asked some questions about your HSA eligibility. The Aetna plan options presented to you will depend on your answers. See Your medical plan options infographic above
Emma can help you choose
Get personalized medical plan decision-making support as part of the enrollment process when you log into the Adobe benefits enrollment site.Meet Emma