Choose the right medical plan for you.
Because healthcare needs tend to change over time, the medical plan you choose is an important decision each year. Take time to learn about your choices — how they work and features unique to each option — before you make a choice. That way, you’ll choose the plan that best fits your individual healthcare needs and budget.
Here’s why three employees chose their plan.
Marla
Single | Moderate medical plan user | Some preventive medications
Marla likes the predictability of the Base PPO.
- Her paycheck costs are higher, but she gets a lower deductible. She likes knowing she has set copays for doctor visits and prescriptions — before she meets her deductible. If she needs other medical care, she knows she’ll share costs with the plan, after the deductible.
- She can get a $250 cash incentive if she completes a health assessment and screening through her doctor.
- Marla can also lower her costs by putting tax-free dollars in her Healthcare FSA and later use them to pay for eligible expenses, tax-free.
Kevin
Married with 3 kids | Heavy medical plan users
Kevin likes the safety net he gets from Jabil money in Healthy Premier with HRA and free mental health visits through Aetna’s Resources for Living.
- His paycheck costs are lower than the Base PPO, but his deductible is higher. He knows he’ll need to pay his deductible before the plan starts to share eligible medical plan expenses with him. But he also knows he doesn’t have a deductible for prescription drug coverage (which is the same coverage he’d have in the Base PPO).
- Jabil gives him a Health Reimbursement Account, or HRA, with $600 for family coverage, which essentially brings the family deductible down by $600.
- Kevin uses in-network providers, so his eligible medical and Rx expenses are automatically paid from his HRA.
- Kevin and his wife can earn an extra $500 for their HRA if they both complete a health assessment and screening through their doctors.
- If they have money in their HRA at the end of the year, it rolls over to the next if they stay in Healthy Premier.
- They can also lower their costs by putting tax-free dollars into a Healthcare FSA and later use them to pay for eligible expenses, tax-free.
- Kevin now sees his preferred mental health provider using his free 8 visits through Aetna’s Resources for Living. That’s saving him money since he’s not going through the medical plan for these first visits.
NINA
Young and married with no kids | Low medical plan users | Mainly uses the plan for the free, in-network preventive care
Nina likes the low paycheck cost and tax-savings opportunities with Healthy Plus with HSA.
- Her paycheck costs are lower than the other options, but her deductible is higher. She knows she’ll pay for their medical expenses — doctor visits, prescriptions, even unexpected medical expenses — out of pocket until they pay the family deductible. But they pay nothing for in-network preventive care, including certain preventive prescriptions.
- She knows Jabil puts $1,500 in her tax-advantaged HSA, and she can put money in, too, up to IRS limits. She decides to put the difference she saves on premiums into her HSA, helping to build her account.
- They can use the HSA to pay for eligible healthcare expenses now or save it for future expenses, even if she retires or leaves the company.
- Nina and her husband can earn an extra $500 for their HSA if they both complete a health assessment and screening through their doctors.
- Plus, they can lower their costs by putting tax-free dollars in the Limited Purpose Healthcare FSA and later use them to pay for eligible dental and vision expenses (but not medical), tax-free.
Learn more about Healthy Plus with HSA.
These employees also have access to Health Advocate for help navigating the healthcare system and make informed decisions, even finding lower cost services.
Establish a relationship with an in-network provider.
When you have a relationship with a primary care doctor, you benefit from more personal care and cost savings. Your doctor will have a handle on your health history and be your go-to when you need routine care. If you need more specialized care, your doctor can help coordinate the referral.
Need help finding an Aetna in-network doctor that fits your needs? Call the Concierge Services Team at 833.361.0224 or search for providers online. Health Advocate can also help, even if you’re not in a Jabil medical plan.
Practice prevention.
Preventive care can help identify small problems before they become serious (and more expensive to treat). Jabil offers you preventive care through your healthcare plans:
- Preventive medical care like your annual physical, routine immunizations and screenings (e.g., breast cancer screening, colon cancer screening, childhood immunizations) is covered at 100% with no deductible when you see an in-network provider (if your doctor codes the service as preventive). Plus, medical coverage includes hearing aids/exams up to $1,000 every three years, subject to deductible and coinsurance.
- Twice yearly dental exams and cleanings are covered at 100% with no deductible under the dental plan. Plus, each year you get preventive care, the plan will increase its $2,000 annual plan maximum benefit by $100 for the next year (for up to three years).
- Every calendar year, you can have your vision checked for just a $10 copay.
Know what prescriptions are covered.
Based on your need, you or your doctor should review the drug formulary, specialty drug list and exclusions from Aetna to help you get the right medicine at the best cost.
If you’re a Healthy Plus medical plan participant, certain preventive medications are covered with no deductible.
On a maintenance drug? Think mail order.
Mail order can save you time and money on prescription drugs you take on a regular basis. You can also get 90-day supplies from CVS Pharmacy stores, with pickup and delivery options, for a convenient way to fill long-term (maintenance) prescriptions at Mail Order copays/coinsurance.
Manage a chronic condition.
Take charge of chronic conditions such as diabetes, asthma or congestive heart failure:
- Manage your condition as recommended by your doctor, including taking maintenance medications as prescribed. Your 90-day prescriptions are available through mail order or through CVS Pharmacy stores with pickup and delivery options.
- Tap into your medical plan’s condition management resources or Virgin Pulse health coaching. Both can help you avoid complications and achieve your best possible health.
Understand all your options for care.
Depending on the situation, in addition to an office visit with your primary care doctor, you have options for care:
- Consider urgent care if you need immediate care for a non-emergency and want to avoid expensive emergency room fees. MinuteClinic®, available at some CVS Pharmacy locations, may also meet your needs.
- And if your enrolled in a Jabil medical plan, Nurseline and Teladoc virtual healthcare can provide you advice without leaving your house.
- If you’re seeking outpatient mental health or substance abuse treatment, start with your 8 free visits through Aetna’s Resources for Living before using your medical benefits.
In a true medical emergency, dial 911 or go to the nearest emergency room.
Quit tobacco.
Whether you light up or chew tobacco, quitting is likely the single most powerful change you can make for your health. It may take several tries, but don’t give up. Tap into Virgin Pulse health coaching and other resources and discuss options with your doctor. Aetna also offers tips and resources. You are 4 times more likely to quit with support.
Have a healthy baby.
If you’re having a baby, take advantage of great resources through your Aetna medical plan during your pregnancy. There’s even special counseling for high-risk mothers-to-be. For questions on leaves of absence, contact MetLife at 855.522.4565.
