How does the Aetna Choice POSIIHRA plan work?
• All medical and pharmacy expenses are first paid from the HRA fund until it is exhausted with the exception of your UMatter Preventive Care benefits. The UMatter Preventive Care benefits do not reduce your HRA funds. • The HRA fund reduces your deductible dollar for dollar.Therefore for œemployee only coverage an individual with a $1500 deductible, actually has a $900 deductible since the $600 HRA fund helped reduced the deductible. • After the HRA fund is exhausted, all medical and pharmacy expenses count towards the deductible until it is met with the exception of your UMatter Preventive Care benefits. The UMatter Preventive Care benefits are paid 100% by UM and do not count toward your deductible. • After your deductible is met you pay copays and coinsurance until you reach your out-of-pocket maximum. The out-of-pocket maximum in the HRA plan includes your deductible and all eligible medical and prescription expenses. • Once you reach your out-of-pocket maximum, UM pays 100% for a
Related Questions
- How do the coverages under the Aetna Medicare Open Plan compare to the coverages Aetna retirees currently receive under the Traditional Choice® Indemnity Plan?
- What medical services count toward the maximum out-of-pocket expense in the Aetna Choice POSIIHRA plan?
- How are UMatter preventive care services covered in the Aetna Choice POSIIHRA plan?
