Medical plan choices

Adobe’s medical plan options provide comprehensive and affordable coverage. All plans cover preventive care and provide financial protection in the event of illness or injury.

Questions?

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Your options

The medical plans that are available to you based on eligibility, your home address and other criteria, will appear as options on the Adobe benefits enrollment site.

You can also waive Adobe medical coverage if you have other coverage.

Medical plans at a glance

 Aetna HealthSelect EPO (2025)Aetna HealthSaveAetna HealthSave BasicKaiser HMO
(California and Washington only)
Paycheck contribution$$$$$$$$$$
In-network deductible$500 self only
$1,000 family
$1,650 self only
$3,300 family
$1,950 self only
$3,900 family
None
Office visitYou pay $25 copay PCP, $40 specialistYou pay 10% after deductibleYou pay 20% after deductibleYou pay $25 copay
Out-of-network coverage?NoYesYesNo
HSA or FSA compatibleHealth Care FSAHSA, with Adobe contributionHSA, with no Adobe contributionHealth Care FSA

You’ll see the plans available to you when you log in to the benefits enrollment site.

Learn more

For a detailed plan comparison, review the 2024 Rewards Guide [PDF] or the 2025 Rewards Guide [PDF]. Complete coverage details are in the plan documents.

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Get help with your choice

Answer just a few simple questions, and the Adobe medical plan decision-support tool will quickly highlight your best options.

Try it now

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Questions to help you choose

Does your spouse or domestic partner have coverage through an employer?

Compare per-paycheck costs for coverage and how much you’ll pay when you need care under each plan (e.g., deductible, copays, coinsurance, out-of-pocket maximum). Does it make sense for each of you to be covered separately or for both of you to be on one plan?

Will you cover a domestic partner or domestic partner’s child who does not qualify as a tax dependent?

If so, your per-pay-period contribution for coverage will be taken on an after-tax basis, and you’ll pay income tax on the imputed income [PDF] of the benefit coverage.

Are your doctors and other providers in-network?

If you’re not an Aetna member, visit the Adobe Aetna microsite to search as a guest by entering the location you would like to search. In Utah, refer to the Aetna Extended Network. Aetna members can log in to the Aetna website (or SSO) to look up providers.

The Aetna HealthSave plans allow you to see out-of-network providers.

With the Aetna HealthSelect EPO plan, you must use in-network providers in the Aetna Select (Open Access) or Aetna Extended (In Network Only) in Utah. There is no coverage for out-of-network care except in an emergency.

With the Kaiser HMO, you must use Kaiser doctors and facilities—there is no coverage for out-of-network care except in an emergency.

How are your regular prescription drugs covered?

View the Aetna covered drug list. If you’re not an Aetna member, call Aetna at 800-884-9565 if you have any questions. Aetna members can log in to the Aetna website (or SSO) for the cost of a specific drug.

If you’re not yet enrolled in Kaiser, call their preenrollment support line at 800-324-9208 to check on covered drugs and exclusions.

Want the benefits of an HSA?

Adobe’s HealthSave and Health Save Basic medical plans are compatible with a Health Savings Account (HSA). If you’re eligible and enroll in either of these Aetna plans, you can enjoy several HSA benefits.

  • Triple tax advantage: There is no federal tax on contributions, interest or investment growth, or withdrawals for eligible expenses.
  • No use-it-or-lose-it: Unused funds roll over year to year.
  • It’s portable: You can take it with you if you change medical plans or leave Adobe.
  • Contributions from Adobe: Receive an annual contribution from Adobe if you’re in the Aetna HealthSave plan.

Interested in an Aetna medical plan, but you’re not eligible for an HSA?

Consider the Aetna HealthSelect EPO plan. It works with a Health Care Flexible Spending Account, not an HSA. Or, you can consider the Aetna HealthSave Basic plan, which you can elect without an HSA. Lastly, if you are enrolled in Medicare/TRICARE, you may be able to enroll in an Aetna HealthSave plan without an HSA. When you visit the Adobe benefits enrollment site, you’ll be asked some questions about your HSA eligibility. The applicable Aetna plan options presented to you will depend on your answers.

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. Read the coordination of benefits description in the plan booklets. Dual coverage does not mean double benefits!

Additionally, if you are enrolled in one of Adobe’s Aetna HealthSave medical plans, and your spouse’s or parent’s plan is not an HSA-qualified medical plan, dual coverage will affect your HSA eligibility.

Is help available to choose a plan?

Yes! The Adobe medical plan decision-support tool will quickly highlight your best options once you answer a few simple questions. Try it now.

You can also get decision-making support from the Emma tool when you log in to the Adobe benefits enrollment site.

Confused by health care terms or how the Aetna plans work?

Refer to these quick resources:

Contacts and resources