About the plan:
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The Aetna Saver plan is an affordable plan that offers you access to the extensive Aetna® network at a lower cost than most other plans.
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Preventive care is covered at a $0 copay with an in-network provider and does not apply to the deductible.
You are responsible for meeting your deductible:- $1,000 for Self Only
- $2,000 for Self Plus One or Self and Family
- Primary care physician (PCP): 30% coinsurance
- Specialist visits: 30% coinsurance
- Other covered services: 30% coinsurance
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Prescriptions:
- $10 per generic formulary drug for a 30-day supply
- 50% per covered brand formulary drug for a 30-day supply
- Mail-order pharmacy is available for a 90-day supply of maintenance medications
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The Aetna Saver plan is a low cost plan and easy to use.
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You have several options:
- Chat live with a health plan specialist or schedule an appointment for a one-on-one phone consultation at AetnaFedsLive.com
- Review the Federal Plan brochure and other information on this website
- Call Aetna at 1-855-277-4356 (TTY: 711)
Doctors and networks:
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Yes. You may visit any PCP or specialist in the Aetna Saver network service area. You may also use any Aetna health maintenance organization (HMO) provider when you travel outside your service area. Dependent children may also use Aetna HMO providers while they’re away at school. You can find in-network providers by using our provider search.
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No. You do not need to get a referral to see a specialist in the Aetna Saver network unless you access care in California. In California members covered under our plan must get referrals from their PCP in order to see network specialists.
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No. Out-of-network services and supplies are not covered under this plan. However, eligible expenses for emergency care are covered. See section 5(d) Emergency Services/Accidents in the Federal Plan brochure.
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No. While you do not have to select a PCP, we encourage you to establish a relationship with one. It can help you better manage your health. Your PCP can provide routine care, treat you for illnesses and injuries, or recommend that you see in-network providers or specialists, if required.
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Yes, you may choose a different PCP for each member of your family. You may also change your PCP at any time.
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Use our provider search. You can access information about our extensive network of providers as well as individual physicians' board certification status, medical school attended, the year they graduated, languages spoken, etc.
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Yes, you can visit a MinuteClinic for urgent care with a $0 copay after you meet your deductible.
What will I pay?
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Members usually do not need to file claim forms except in some out-of-network emergency care situations.
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Yes, mail-order pharmacy is available for maintenance medications. Your share of the cost for up to a 90-day prescription will be $30 after you meet your deductible for medications on our preferred generic list. You can also get your 90-day prescription at a participating retail pharmacy for the same cost as mail order.
Go to our member website and select "pharmacy benefits" for details and forms.
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Yes. Your calendar year in-network deductible is $1,000 for Self Only coverage and $2,000 for Self Plus One or Self and Family Coverage
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Once you pay your deductible, you pay coinsurance for most services. Copay and coinsurance amounts are listed in the Federal Plan Brochure. They will apply until you meet your out-of-pocket maximum.
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The deductible is $1,000 for Self Only or $2,000 for Self Plus One or Self and Family each calendar year. Once an individual meets the Self Only deductible under the Self Plus One or Self and Family enrollment, they will then be covered under plan benefits. One or more family members can satisfy the remaining balance of the Self Plus One or Self and Family deductible.
Dental and vision:
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The Aetna Saver plan does not include dental coverage.
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The Aetna Saver plan does not include vision coverage.
Enrollment:
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Enrollment procedures vary by agency. Detailed instructions and information on the Federal Employees Health Benefits (FEHB) Program enrollment process is available at the Enroll Now link on the website. You will need to know the enrollment code for Aetna Saver. Return to the home page for the plans available in your area and the federal enrollment codes.
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Coverage and 2025 benefit changes for current members and annuitants begin on January 1, 2025. Coverage for active Federal employees joining during Open Season becomes effective on the first day of the first pay period in January 2025.
If you enroll as a newly hired Federal Employee, you have 60 days to enroll in an FEHB plan. Your enrollment will become effective the beginning of the pay period after your enrollment is received.
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If you do not receive your ID card by your effective date, you may use a copy of your SF2809 Form or electronic enrollment (e.g., Employee Express, etc.) confirmation. If you are enrolled in our system, you may register on our member website and print an ID card. After you register, simply select "Get an ID card" and follow the instructions. You may use this printable version of your personal ID card if you need medical or dental care
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You will need to work with your personnel office to complete a new enrollment form to change plans. Please return to the home page to see the plans available in your area and the federal enrollment codes.
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Eligible out-of-area dependents, such as children who are away at college, can be covered through the Aetna HMO or Aetna Open Access® HMO networks. To find out whether we have an Aetna HMO or Aetna Open Access HMO network in their area, go to our provider search. If we do not have an Aetna HMO or Aetna Open Access HMO network in their area, they would be covered for emergencies and urgent care, but would need to return home for routine care.
Perks:
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Our member website is packed with health and benefits information. When you register, you can print temporary ID cards, check eligibility or claim status, and much more. Here are just a few of the highlights:
- Cost estimator tools — Provides personalized cost information. You can estimate how much you’ll pay out of pocket for medical tests, office visits and procedures ahead of time. If Medicare is your primary coverage, these estimates may not be representative of your actual costs.
- Hospital Comparison Tool — See how hospitals in your area rank by factors important to you.
- Personal Health Record — A private and secure online tool that captures important health information in one place. It can help you stay healthy with personalized alerts and reminders and lets you print and share your health history with your doctors.
- Our provider search — Helps you find doctors, dentists, hospitals and other providers that accept your plan. Using in-network providers will help you save money. The provider search tool also includes important provider credentials like education, board certification and languages spoken.
- Aetna HealthSM app — Puts our online features at your fingertips. You can view your member ID card, find a doctor, look up claims and access your Personal Health Record (PHR). The app is available on the App Store® or the Google Play™ store. Just type Aetna.com into your mobile web browser.
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Yes. Members have access to CVS Health Virtual Care™. Virtual care is a convenient, lower-cost alternative to urgent care or the emergency room. And it’s in addition to your traditional network of providers to give you more options. It's perfect for when you're traveling or when your doctor isn't available. With these virtual options, you can get care ASAP for nonemergency conditions such as cold & flu, sinus infections, pink eye, allergies and more. You can also take care of your mental well-being by talking with a therapist for anxiety or stress. They can even call in a prescription to your pharmacy of choice, when necessary.
To access CVS Health Virtual Care, register and make an appointment at CVS.com/virtual-care.
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You must live or work in our service area to enroll in our plan. Return to the home page to find plans available in your area. Once enrolled in the plan, only emergency care is covered overseas. See Section 7 of our federal brochure for more information on how to submit overseas claims.
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Yes. You get access to great discounts on prescription eyewear, vision services, gyms, weight loss programs, chiropractic, acupuncture, massage, vitamins, electric toothbrushes, gum, mints and more. Visit AetnaFeds.com/perks for more information.
DISCLAIMERS
Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna).
Pharmacy benefits are administered through an affiliated pharmacy benefit manager, CVS Caremark. Aetna, CVS Caremark® Mail Service Pharmacy, CVS Pharmacy® and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health® family of companies.
All trademarks and logos are the intellectual property of their respective owners. External websites links are provided for your information and convenience only and do not imply or mean that Aetna endorses the content of such linked websites or third-party services. Aetna has no control over the content or materials contained therein. Aetna therefore makes no warranties or representations, express or implied, about such linked websites, the third parties they are owned and operated by, and the information and/or the suitability or quality of the products contained on them.
Estimated costs are not available in all markets or for all services. We provide an estimate for the amount you would owe for a particular service based on your plan at that very point in time. It is not a guarantee. Actual costs may differ from an estimate for various reasons including claims processing times for other services, providers joining or leaving our network or changes to your plan.
Includes select MinuteClinic services. Not all MinuteClinic services are covered. Please consult benefit documents to confirm which services are included.
For a complete list of other participating pharmacies or other providers, log in to Aetna.com and use our provider search tool.
Aetna, CVS Pharmacy® and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health® family of companies.
DISCOUNT OFFERS ARE NOT INSURANCE. They are not benefits under your insurance plan. You get access to discounts off the regular charge on products and services offered by third party vendors and providers. Aetna makes no payment to the third parties — you are responsible for the full cost. Check any insurance plan benefits you have before using these discount offers, as those benefits may give you lower costs than these discounts.
Discount vendors and providers are not agents of Aetna and are solely responsible for the products and services they provide. Discount offers are not guaranteed and may be ended at any time. Aetna may get a fee when you buy these discounted products and services.
Vision care providers are contracted through EyeMed Vision Care.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc.
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