Aetna medical plans | Adobe Benefits

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How Aetna plans work Aetna plans at a glance Comparing Aetna plan features Aetna resources

How Aetna plans work

Adobe’s Aetna plans all provide comprehensive care, including preventive care with no out-of-pocket costs [PDF]. See Prescription Drugs to learn how preventive care medications are covered.

When you use in-network providers, you’ll pay less for care: Your deductible is lower, Aetna pays a larger share (90% or 80% depending on your plan) of the discounted in-network rates, and your out-of-pocket maximum is lower.

You have the freedom to use an out-of-network provider, but you will pay significantly more: Your deductible is higher, Aetna pays a lower share (70% or 60% depending on your plan), and you’re responsible for any charges above the plan’s recognized charges [PDF]. Charges above the recognized charges (balance billing) or charges for health care the plan doesn’t cover do not count toward your deductible or your out-of-pocket maximum.

Log in to the Aetna website (SSO) to access your personalized, secure account to find providers, look up costs, view medical claims, request ID cards, view your health dashboard and personal health record, complete a health assessment, and enroll in online health coaching. For more resources see Finding quality care.

Your health concierge

Call the number on the back of your Aetna ID card for help finding a doctor or facility, or accessing resources about specific conditions or needs.

Aetna plans at a glance

PLAN PROVISIONS	HEALTHSAVE BASIC (IN-NETWORK/ OUT-OF-NETWORK)	HEALTHSAVE (IN-NETWORK/ OUT-OF-NETWORK)	OUT OF AREA HEALTHSAVE
Annual deductible	Self only: $1,800/$3,600 Family: $3,600/$7,200	Self only: $1,500/$3,000 Family: $3,000/$6,000	Self only: $1,500 Family: $3,000
HSA funding	You only	You and Adobe, if eligible	You and Adobe, if eligible
Preventive care	Plan pays 100% Deductible waived if in-network	Plan pays 100% Deductible waived if in-network	Plan pays 100% Deductible waived
Office visit, outpatient services (after deductible)	Plan pays 80%/60%	Plan pays 90%/70%	Plan pays 80%
Inpatient hospital (after deductible, with precertification)	Plan pays 80%/60%	Plan pays 90%/70%	Plan pays 80%
30-Day retail prescriptions (after deductible)	$15 generic $45 brand-name drug on Aetna Performance Drug List $65 other brand-name drug	$15 generic $45 brand-name drug on Aetna Performance Drug List $65 other brand-name drug	$15 generic $45 brand-name drug on Aetna Performance Drug List $65 other brand-name drug
Out-of-pocket maximum (includes deductible)	Self only: $4,700/$8,650 Family: $8,100/$16,300	Self only: $3,200/$6,000 Family: $7,400/$12,000	Self only: $3,200 Family: $7,400

Comparing Aetna plan features

Aetna HealthSave Basic plan

Your per-paycheck contributions are the lowest of the Aetna plans (employee-only coverage is $0), but you’ll pay more out of pocket when you get care.
For in-network doctor visits or services, the plan pays 80% after you meet your deductible ($1,800 self only; $3,600 family).
For out-of-network services, the plan pays 60% after you meet the out-of-network deductible ($3,600 self only; $7,200 family).
With this plan, you can open a Health Savings Account (HSA) with your own payroll contributions. However, Adobe will not contribute to your HSA.

Aetna HealthSave plan

You’ll pay less out of pocket when you get care, but your per-paycheck contributions are higher than the Aetna HealthSave Basic plan.
For in-network doctor visits or services, the plan pays 90% after you meet your deductible ($1,500 self only; $3,000 family).
For out-of-network services, the plan pays 70% after you meet your out-of-network deductible ($3,000 self only; $6,000 family).
With this plan, you can open a Health Savings Account (HSA) with HealthEquity and make your own payroll contributions. Adobe will also contribute to your HSA: up to $850 for self-only coverage or up to $1,700 for family coverage.
Be sure you’re eligible for an HSA before enrolling in this plan. If you’re enrolled in Medicare or TRICARE, you can enroll in this plan only without an HSA.

Aetna Out of Area HealthSave plan

This plan is available to employees who do not live within the Aetna Choice POS II or Utah Connected network.
Your per-paycheck contributions are the same as the HealthSave plan.
There is no provider network. The plan pays 80% for covered services after you meet your deductible ($1,500 self only; $3,000 family).
With this plan, you can open a Health Savings Account (HSA) with HealthEquity and make your own payroll contributions. Adobe will also contribute to your HSA: up to $850 for self-only coverage or up to $1,700 for family coverage.
Be sure you’re eligible for an HSA before enrolling in this plan. If you’re enrolled in Medicare or TRICARE, you can enroll in this plan only without an HSA.

Medicare and your HSA

If you become enrolled in Medicare, you can no longer contribute to an HSA nor receive an Adobe HSA contribution.
Learn more

Aetna resources

Get more details on your Aetna benefits: