Jabil offers three medical plan options through Aetna.
All Jabil medical plans use the same network of providers and cover the same services, including in-network retail and mail-order prescription drug coverage. And in-network preventive care is free in all plans.
Jabil Medical Plans
Your options include:
- Base PPO
- Healthy Premier with a Health Reimbursement Account, or HRA
- Healthy Plus with a Health Savings Account, or HSA
The Base PPO has the lowest deductible, but the flipside is you have higher benefit costs each pay period. You also miss out on free money Jabil contributes to accounts associated with Healthy Premier and Healthy Plus.
With Healthy Premier with HRA, you have lower benefit costs each pay period than with the Base PPO. Plus, Jabil funds your HRA, which gets automatically applied to your deductible. You also get the protection of a lower out-of-pocket maximum. The HRA is administered through Aetna.
Healthy Plus with HSA offers has the lowest benefit costs each pay period, but higher deductibles and the same out-of-pocket maximums as the Base PPO. It’s a tradeoff: pay less each payday, and pay more when you receive care. Also consider this plan comes with an HSA Jabil contributes to, and so can you. That’s tax-free money you can use to offset your deductible and other eligible healthcare expenses. The HSA is administered through WEX.
Why Three Employees Chose Their Plan
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 an online health assessment through Asset Health and an annual physical 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 prescription expenses are automatically paid from his HRA.
- Kevin and his wife can earn an extra $500 for their HRA if they both complete an online health assessment through Asset Health and an annual physical 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 as long as she doesn’t waive coverage and sets a contribution amount; 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 an online health assessment through Asset Health and an annual physical 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.
Need help choosing a plan? When you’re enrolling through the Jabil Benefits Service Center, you can use “Ask Emma” to guide you through the enrollment process and suggest medical plan options based on what you tell her.
In-network Medical Coverage
You pay the amounts and percentages shown in this chart for in-network care, after you meet your deductible, if applicable.
| Feature | Base PPO | Healthy Premier with HRA | Healthy Plus with HSA |
|---|---|---|---|
| Your Bi-weekly Cost for Coverage Employee Only Employee + Spouse Employee + Children Family |
x $95.70 |
x $69.66 |
x $43.00 |
| You Pay | You Pay | You Pay | |
| Deductible (Single/Family) | $1,000/$2,000 | $1,500/$3,000 | $2,000/$4,0001 (combined with Prescription Drug) |
| Out-of-Pocket Max (Single/Family) (combined with Prescription Drug) |
$3,500/$7,000 | $3,000/$6,000 | $3,500/$7,000 |
| Coinsurance | 20% | 20% | 20% |
| Jabil Contribution (Single/Family) | NA | HRA:$300/$600 | HSA2:Up to $750/$1,500 |
| Preventive Care3 | Free | Free | Free |
| Primary Care | $25 no deductible | 20% | 20% |
| Specialist | $50 no deductible | 20% | 20% |
| Mental Health or Substance Abuse Outpatient4 | Office visit: $50 no deductible; Other outpatient services: 20% | 20% | 20% |
| Mental Health or Substance Abuse Inpatient | 20% | 20% | 20% |
| Hospital Inpatient | 20% | 20% | 20% |
| Hospital Outpatient | 20% | 20% | 20% |
| Emergency Room | 20% | 20% | 20% |
| For non-emergency condition | 50% | 50% | 50% |
- One or a combination of enrolled members must meet the family deductible before the plan pays benefits.
- You can also contribute to the HSA if you enroll in Healthy Plus, up to IRS limits.
- Subject to Aetna Preventive Care schedule and claim coding guidelines.
- Before using your medical plan benefits, consider using your 8 free visits per topic through Resources for Living, Jabil’s Employee Assistance Program (EAP).
Out-of-network Coverage
If you use out-of-network providers, you’re responsible for precertification and filing claims. Plus, your cost share will be higher, you’ll be responsible for any charges over the allowable amount, and you may have to pay the full cost of your care. Find more details through Aetna.
Preventive Care
Preventive care can help identify small problems before they become serious (and more expensive to treat). Jabil offers you free preventive care through your medical plans. This means your annual physical, routine immunizations, and screenings (e.g., breast cancer screening, colon cancer screening, childhood immunizations) are 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.
See Aetna’s recommended preventive health screenings.
Prescription Drugs
Your Jabil medical plan includes in-network retail and mail-order prescription drug coverage. Based on your need, you or your doctor should review the drug formulary from Aetna to help you get the right medicine at the best cost.
In-network Prescription Drug Coverage
You pay the amounts and percentages shown in this chart for in-network prescription drugs after, you meet your deductible, if applicable.
| Feature | Base PPO | Healthy Premier with HRA | Healthy Plus with HSA |
|---|---|---|---|
| You Pay | You Pay | You Pay | |
| Deductible (Single/Family) | NA | NA | $2,000/$4,0001 (combined with Medical); no deductible coinsurance for drugs on preventive drug list |
| Out-of-Pocket Max (Single/Family) (combined with Medical) |
$3,500/$7,000 | $3,000/$6,000 | $3,500/$7,000 |
| Generic Retail Mail order |
xx $10 |
xx $10 |
xx 20% |
| Brand Formulary (Preferred) Retail Mail order |
20% ($75 max) 20% ($150 max) |
20% ($75 max) 20% ($150 max) |
20% 20% |
| Non-Formulary (Non-Preferred and Specialty4) |
|||
| Retail Mail order |
20% ($150 max) 20% ($250 max) |
20% ($150 max) 20% ($250 max) |
20% 20% |
Mail Order for Maintenance Drugs
Mail order can save you time and money on prescription drugs you take on a regular basis. You can get a 90-day supply through mail order or from CVS Pharmacy stores, with pickup and delivery options, for a convenient way to fill long-term (maintenance) prescriptions at mail order copays/coinsurance.
Specialty Drugs
If you need specialty medications, you may pay as little as $0 when you get them filled at a CVS Specialty Pharmacy. PrudentRx will reach out to you if this affects you. This program is not available with Healthy Premier with HRA.
Cost-saving Features
Taking advantage of the cost savings features of Jabil’s medical plan can help you save money.
- Stay in-network: When you use Aetna in-network providers and facilities, you pay less out of pocket than for out-of-network care. Call Member Services at 833.361.0224 for help finding an in-network provider who fits your needs. You can also search for providers online. Health Advocate can also help.
- Resources for Living. If you’re seeking outpatient mental health or substance abuse treatment, start with 8 free visits through Resources for Living.
- Use generics: Ask your doctor to prescribe generics instead of brand name drugs when possible. And take advantage of the programs Aetna has in place to keep costs down, such as Step Therapy and Prior Authorization.
- Consider urgent care if you need immediate care for a non-emergency and want to avoid expensive emergency room fees.
- Prepare for care that needs pre-approval: Aetna requires you get pre-approval/precertification for certain medical procedures and prescription drugs, including many specialty drugs. Be sure to talk with your doctor before you receive care and then contact Aetna.
- Get an expert second opinion: Aetna’s 2nd MD gives you peace of mind when facing a serious health condition, exploring treatment options, or considering surgery. You can connect with leading specialists to review your diagnosis or treatment plan. A second opinion can help you make better-informed decisions and potentially save you money by avoiding unnecessary healthcare events before they happen. Contact Aetna to get started.
Filing Claims
If your provider doesn’t submit a claim for you, you can file a medical claim by submitting it to Aetna at: P.O. Box 14079, Lexington, KY 40512-4079.