Aetna High Deductible Health Plan (HDHP) - New for 2020

Good news! For the 2020 plan year, there is a new plan option being offered to eligible NAF employees and retirees called the High Deductible Health Plan or HDHP. This type of medical plan combines quality medical coverage with a tax-favored savings account that helps you with health care expenses. 

The HDHP works much like plans you are familiar with where you meet a deductible each year, then share in the cost of your care. However, with this plan your deductible is higher in exchange for a 15-20% lower employee cost (premium) than the Aetna Choice POS II plan.

Here's how the HDHP works:

  • You pay 100% of your health care expenses, including covered prescription drugs, until you meet the in-network deductible.
  • Once you meet the deductible, you pay a percentage of the covered expenses and Aetna pays their portion up to the plan’s out-of-pocket maximum.
  • Once you meet the out-of-pocket maximum, in-network covered services are paid at 100% for the rest of the year.
  • The deductible is waived on drugs on the Preventive Medicine List.
  • This plan uses the same provider network (doctors, hospitals, pharmacies) as the Choice POS II plan. Rest easy knowing that you do not need to change your doctors. 
  • This plan has the same services covered as the Choice POS II plan. This includes:
    - Preventive care covered at 100% when you use in-network providers
    - Prescription drugs (what's covered and what's not)  
  • The plan covers the same program features as the Choice POS II plan including:
    - Teladoc
    - Health Incentives
    - Healthy Lifestyle Coaching
    - Disease Management support
    - 24-Hour Nurse Line
    - Aetna discounts
    - and more!

  • This plan has the same $150 vision hardware reimbursement benefit as the Choice POS II plan.

Depending on your employee type, once you are enrolled in the HDHP you will have access to a tax-favored savings account that will help you save and plan for future health care expenses. Learn more below:

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