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Health Investor HMO Option Plan

Aetna Select℠ (Open Access)

Control how you spend, or save, your health care dollars


Is This the Plan for You?

  • Control how you spend, or save, your health care dollars with the Health Investor HMO plan and a Health Savings Account
  • See your Primary Care Physician or any other doctor in the network
  • Aetna’s National network allows you to seek care within the State or outside of Florida within our network of providers
  • NO REFERRALS needed
  • You pay the first $1,350 ($2,700 for family) out-of-pocket for all services and prescriptions except for preventive care – this is your deductible*
  • After the deductible is met, your insurance “kicks in” and you pay a percentage of the cost - this is your coinsurance**
  • Preventive Care covered 100%
  • If you or your covered dependents do not have other health coverage, you may open a Health Savings Account (HSA) and make pretax contributions to it. You can use the HSA to pay qualified out-of-pocket expenses, such as your deductible and coinsurance
  • Unused money rolls over and can grow over time, tax free
  • You own your HSA, so it’s yours to keep
  • Aetna Health Connections, Disease Management, Informed Health Line, and Beginning Right Maternity programs included at no extra cost

*Annual Deductible: this is the yearly amount you are required to pay before anything except preventive care is covered.

**Coinsurance: a percentage of the medical and pharmacy costs you are required to pay after your annual deductible is met.


Plan Highlights

No Annual Deductible: Individual $1,350 / Family $2,700

What you pay for care received after meeting your deductible
  • Doctor office visits: 20%
  • Hospital Stay: 20%
  • Emergency Room: 20%
  • Urgent Care: 20%
Prescription Drugs (administered by CVS/caremark)
Retail 30 day supply / Mail order 30-90 day supply
  • Generic: 30%
  • Prefered Brand: 30%
  • Non-Preferred Brand: 50%
Annual out-of-pocket max (does not include prescription copays)
  • Individual: $3,000
  • Family: $6,000

Preventive care: Covered 100% (for specific services, frequency limitations may apply)

After you meet your deductible and your out-of-pocket maximum, the plan pays 100% for covered care for the rest of the year



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