Aetna High Deductible Health Plan (HDHP) with a Health Savings Account (HSA)
A national PPO network, no referrals and a tax-free account
2025 Biweekly rates for zip code
These rates do not apply to all Enrollees. If you are in a special enrollment category, please refer to the FEHB Program website or contact the agency or Tribal Employer which maintains your health benefits enrollment.
| Aetna HealthFund® HDHP with HSA | Code | Biweekly Premium |
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Looking to save? Check out the MHBP Consumer Option (HDHP with HSA) »
How does your HDHP with a HSA work?
STEP 1: You get a HSA*
Your HDHP comes with an HSA, which you can use to help pay for your qualified health care expenses. The Plan contributes money to your HSA each month. You can contribute pre-tax dollars to the HSA too. All of that money in your HSA earns interest tax-free. And all unused money is yours to keep - even if you leave the plan.
| How much do you get in your HSA? |
|---|
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The Plan adds money each month: Self Only: $800 a year ($66.67 a month) Self Plus One or Self and Family: $1,600 a year ($133.34 a month) |
STEP 2: You have a deductible
A deductible is the amount you need to pay out of your pocket before the Plan starts to pay for covered services. You can use the money in your HSA to pay your deductible or save it for the future.
| What is your deductible amount? | In network | Out of network |
|---|---|---|
| Self Only: | $1,800 | $2,600 |
| Self Plus One or Family: | $3,600 | $5,200 |
To lower your costs, use network providers.
STEP 3: You may have coinsurance
Coinsurance is how much the Plan and you pay for health care expenses. It is a shared amount. We pay the larger part. You pay the smaller part.
Coinsurance starts after you have met your deductible.
| What is your coinsurance amount? | We Pay | You Pay |
|---|---|---|
| In network: | 85% | 15% |
| Out of network: | 60% | 40% |
To lower your costs, use network providers.
MinuteClinic® / Walk in clinic – 0% after deductible (in network only)
CVS Virtual Care - $0 after deductible
You get in network preventive care at no additional cost to you!
Examples include wellness screenings and exams, dental cleanings and routine eye exams. If you see network providers, nothing comes out of your pocket (or your HSA).
Built-in pharmacy, dental and vision benefits, too
| Type of coverage | What you get |
|---|---|
| Pharmacy |
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| Dental |
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| Vision |
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You can get more money in your HSA!
You can earn an additional $75 for Self Only or $150 for Self Plus One or Family (enrollee and spouse only) by completing the Health Risk Assessment, one wellness program and your biometric screening. Log in to your Aetna member website to complete the Health Risk Assessment and enroll in a wellness program. The money goes directly into your HSA when completed!
Why choose Aetna HDHP?
- Large nationwide Aetna PPO Network
- Coverage in network or out — and no referrals needed
- Earn up to $75/self or $150/self plus one and family in wellness credits
- An HSA that you own — use the tax-free money to pay for qualified health expenses now or save it for future expenses
- 24 hours / 7 days a week access to doctors via video with CVS Virtual Care
- Discounts on eyewear, LASIK laser eye surgery, gym memberships, massage, acupuncture, weight-loss programs and more
For information about our plans available through the Federal Employees Dental and Vision Insurance Program (FEDVIP), please visit our Dental PPO Plan site or our Aetna Vision™ Preferred site.
*To open an HSA, you must meet certain IRS eligibility requirements. If you don't, let us know by calling 1-877-459-6604 (TTY:711). You can enroll in a similar plan called HDHP with HRA. See the federal plan brochure for details.
** For specialty drug information, see the federal plan brochure
***If you choose the brand name drug over the generic equivalent, you will owe the corresponding copay plus the difference between the generic and brand name costs. Please see the plan brochure for details.
† See Aetna.com for a list of participating pharmacies.
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. This is a brief description of the features of this Aetna health benefits plan. Before making a decision, please read the Plan's applicable Federal brochure(s). All benefits are subject to the definitions, limitations, and exclusions set forth in the Federal brochure.
For a complete list of other participating pharmacies log in to your member website to use our provider search tool. Includes select MinuteClinic services. Not all MinuteClinic services are covered. Please consult benefit documents to confirm which services are included. Members enrolled in qualified high-deductible health plans must meet their deductible before receiving covered non-preventive MinuteClinic services at no cost-share. However, such services are covered at negotiated contract rates. This benefit is not available in all states. For your best health, we encourage you to have a relationship with a primary care physician or other doctor. Tell them about your visit to MinuteClinic, or MinuteClinic can send a summary of your visit directly to them. Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services.
This material does not contain legal or tax advice. You should contact your legal counsel or tax advisor if you have any questions or need additional information. PayFlex does not provide any payment or service in violation of any United States economic or trade sanctions. This material contains only a partial, general description of plan benefits or programs and is not a contract. If this material conflicts with the plan documents, the plan documents will govern. Eligible expenses may vary from employer to employer. Please read the plan’s applicable federal brochure(s) for more information about your covered benefits. There may be fees associated with a health savings account (“HSA"). These are the same types of fees you may pay for checking account transactions. Please see the HSA fee schedule online.
For more information about PayFlex, go to payflex.com.
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).
This is a brief description of the features of this Aetna health benefits plan. Before making a decision, please read the Plan's applicable Federal brochure(s). All benefits are subject to the definitions, limitations, and exclusions set forth in the Federal brochure.
Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional.
Incentive-based activity awards will only be given for completing select wellness programs as determined by the plan sponsor. Plan features and availability may vary by location and are subject to change. Pharmacy clinical programs such as precertification, step therapy, and quantity limits may apply to your prescription drug coverage. Aetna’s Drug Guide is subject to change.