The Artcraft Group offers a comprehensive medical plan that is administered by Aetna. Medical benefits are not just for when you are sick… For example, if you use preventive benefits when you are well, you might actually be able to avoid getting sick!

Understanding your prescription drug benefit, and knowing how different types of medications will be covered, can help you save money and learn how to talk with your doctor about your options. Your prescription drug benefit gives you options for paying more or less for your prescription. When you fill a prescription from your doctor, you and the company share the cost. How you share costs depends on how your plan is set up.

To learn more about some of the key plan details that are important to understand, like deductible and coinsurance, click here.

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  • Deductible

    The amount of covered expenses you must pay before the Plan starts paying benefits.

    In-network:

    Individual: $2,500
    Family: $5,000

  • Coinsurance

    Cost-sharing between you and the company. This is applied after you meet your deductible.

    In-network:

    You pay 30% (after deductible)
    Plan pays 70%

  • Out-of-Pocket Maximum

    The most you are required to pay out of your own pocket in a plan year. Some expenses may not apply.

    In-network:

    Individual: $5,000
    Family: $7,500

  • Doctor’s Office Visit

    In-network:

    You pay 30% (after deductible)
    Plan pays 70%

  • Specialist Office Visit

    Specialists include doctors trained in a specific area or function of the body, or a specific age group (cardiologist, pediatrician, orthopedic surgeon, neurologist, etc.).

    In-network:

    You pay 30% (after deductible)
    Plan pays 70%

  • Preventive/Well Child Care

    Care focused on prevention or early detection of health conditions. Includes routine physical exam, immunizations, cancer screenings, vision and hearing exams, etc.

    In-network:

    Covered 100%; No deductible or copay

  • Laboratory Services

    In-network:

    You pay 30% (after deductible)
    Plan pays 70%

  • Diagnostic Radiology / Complex Imaging (MRI/PET/CT)

    In-network:

    You pay 30% (after deductible)
    Plan pays 70%

  • Emergency Room

    Provides accidental injury and medical emergency care. Note: Call your plan immediately if you are admitted to the hospital.

    In-network:

    You pay 30% (after deductible)
    Plan pays 70%

  • Urgent Care

    Non-emergency care received from an urgent care clinic or other medical facility; typically used after hours or when your regular doctor is not available.

    In-network:

    You pay 30% (after deductible)
    Plan pays 70%

  • Hospitalization

    Inpatient/Outpatient In-network:

    You pay 30% (after deductible)
    Plan pays 70%

  • Are you required to use network providers?

    No (but your costs will be lower when you do)

  • Do you need a referral to a specialist?

    No.

  • Health Reimbursement Account (HRA)

    A feature of high-deductible or consumer-driven medical plans, this is a tax-advantaged savings account you can use for medical expenses now or save for later.

    The HRA will reimburse 100% of the deductible, depending on the level of coverage you select.

    • For single coverage, Artcraft will fund $2,500 of your deductible

    • For employee/child(ren), employee/spouse or family coverage, Artcraft will fund $5,000 of your deductible.

  • Can I use a Health Care Flexible Spending Account (FSA)?

    An account you contribute to before taxes, then use the money for qualified health-related expenses.

    Yes! You can have both an HRA and FSA at the same time, however, the same expense cannot be reimbursed from both accounts.

  • Prescription Drug

    Deductible - See Deductible above

    Prescription Drug:

    $10 / $30 / $60 – copays after deductible

HDHP Aetna Select Open Access

Provider: Aetna

Phone: 800-962-6842

Website: https://www.aetna.com/

HDHP Aetna Select Open Access Buy-Up Aetna Select Open Access

Deductible

In-network:
Individual: $2,500
Family: $5,000

Deductible

In-network:
Individual: $0
Family: $0

Coinsurance

In-network:
You pay 30% (after deductible)
Plan pays 70%

Coinsurance

In-network:
Plan pays 100% after applicable copays

Out-of-Pocket Maximum

In-network:
Individual: $5,000
Family: $7,500

Out-of-Pocket Maximum

In-network:
Individual: $5,000
Family: $10,000

Doctor’s Office Visit

In-network:
You pay 30% (after deductible)
Plan pays 70%

Doctor’s Office Visit

In-network:
You pay $30 copay

Specialist Office Visit

In-network:
You pay 30% (after deductible)
Plan pays 70%

Specialist Office Visit

In-network:
You pay $50 copay

Preventive/Well Child Care

In-network:
Covered 100%; No deductible or copay

Preventive/Well Child Care

In-network:
Covered 100%; No deductible or copay

Laboratory Services

In-network:
You pay 30% (after deductible)
Plan pays 70%

Laboratory Services

In-network:
You pay $0 copay

Diagnostic Radiology / Complex Imaging (MRI/PET/CT)

In-network:
You pay 30% (after deductible)
Plan pays 70%

Diagnostic Radiology / Complex Imaging (MRI/PET/CT)

In-network:
Routine Radiology: $100
Complex Imaging: $250

Emergency Room

In-network:
You pay 30% (after deductible)
Plan pays 70%

Emergency Room

In-network:
You pay $200 copay (waived if admitted)

Urgent Care

In-network:
You pay 30% (after deductible)
Plan pays 70%

Urgent Care

In-network:
You pay $50 copay

Hospitalization

Inpatient/Outpatient In-network:
You pay 30% (after deductible)
Plan pays 70%

Hospitalization

In-network:
Inpatient: Plan pays $300/day Max $1,500
Outpatient: $150 copay

Are you required to use network providers?

No (but your costs will be lower when you do)

Are you required to use network providers?

Yes.

Do you need a referral to a specialist?

No.

Do you need a referral to a specialist?

No.

Health Reimbursement Account (HRA)

The HRA will reimburse 100% of the deductible, depending on the level of coverage you select.

  • For single coverage, Artcraft will fund $2,500 of your deductible

  • For employee/child(ren), employee/spouse or family coverage, Artcraft will fund $5,000 of your deductible.

Health Reimbursement Account (HRA)

N/A

Can I use a Health Care Flexible Spending Account (FSA)?

Yes! You can have both an HRA and FSA at the same time, however, the same expense cannot be reimbursed from both accounts.

Can I use a Health Care Flexible Spending Account (FSA)?

Yes.

Prescription Drug

Prescription Drug:
$10 / $30 / $60 – copays after deductible

Prescription Drug

Prescription Drugs:
$10 / $30 / $60 copays

Can I use a Health Savings Account (HSA) or Health Reimbursement Account (HRA)?

N/A

Can I use a Health Savings Account (HSA) or Health Reimbursement Account (HRA)?

No.

  • Deductible

    The amount of covered expenses you must pay before the Plan starts paying benefits.

    In-network:

    Individual: $0
    Family: $0

  • Coinsurance

    Cost-sharing between you and the company. This is applied after you meet your deductible.

    In-network:

    Plan pays 100% after applicable copays

  • Out-of-Pocket Maximum

    The most you are required to pay out of your own pocket in a plan year. Some expenses may not apply.

    In-network:

    Individual: $5,000
    Family: $10,000

  • Doctor’s Office Visit

    In-network:

    You pay $30 copay

  • Specialist Office Visit

    Specialists include doctors trained in a specific area or function of the body, or a specific age group (cardiologist, pediatrician, orthopedic surgeon, neurologist, etc.).

    In-network:

    You pay $50 copay

  • Preventive/Well Child Care

    Care focused on prevention or early detection of health conditions. Includes routine physical exam, immunizations, cancer screenings, vision and hearing exams, etc.

    In-network:

    Covered 100%; No deductible or copay

  • Laboratory Services

    In-network:

    You pay $0 copay

  • Diagnostic Radiology / Complex Imaging (MRI/PET/CT)

    In-network:

    Routine Radiology: $100
    Complex Imaging: $250

  • Emergency Room

    Provides accidental injury and medical emergency care. Note: Call your plan immediately if you are admitted to the hospital.

    In-network:

    You pay $200 copay (waived if admitted)

  • Urgent Care

    Non-emergency care received from an urgent care clinic or other medical facility; typically used after hours or when your regular doctor is not available.

    In-network:

    You pay $50 copay

  • Hospitalization

    In-network:

    Inpatient: Plan pays $300/day Max $1,500
    Outpatient: $150 copay

  • Are you required to use network providers?

    Yes.

  • Do you need a referral to a specialist?

    No.

  • Can I use a Health Savings Account (HSA) or Health Reimbursement Account (HRA)?

    A feature of high-deductible or consumer-driven medical plans, this is a tax-advantaged savings account you can use for medical expenses now or save for later.

    No.

  • Can I use a Health Care Flexible Spending Account (FSA)?

    An account you contribute to before taxes, then use the money for qualified health-related expenses.

    Yes.

  • Prescription Drug

    Deductible - See Deductible above

    Prescription Drugs:

    $10 / $30 / $60 copays

Buy-Up Aetna Select Open Access

Provider: Aetna

Phone: 800-962-6842

Website: https://www.aetna.com/

Buy-Up Aetna Select Open Access HDHP Aetna Select Open Access

Deductible

In-network:
Individual: $0
Family: $0

Deductible

In-network:
Individual: $2,500
Family: $5,000

Coinsurance

In-network:
Plan pays 100% after applicable copays

Coinsurance

In-network:
You pay 30% (after deductible)
Plan pays 70%

Out-of-Pocket Maximum

In-network:
Individual: $5,000
Family: $10,000

Out-of-Pocket Maximum

In-network:
Individual: $5,000
Family: $7,500

Doctor’s Office Visit

In-network:
You pay $30 copay

Doctor’s Office Visit

In-network:
You pay 30% (after deductible)
Plan pays 70%

Specialist Office Visit

In-network:
You pay $50 copay

Specialist Office Visit

In-network:
You pay 30% (after deductible)
Plan pays 70%

Preventive/Well Child Care

In-network:
Covered 100%; No deductible or copay

Preventive/Well Child Care

In-network:
Covered 100%; No deductible or copay

Laboratory Services

In-network:
You pay $0 copay

Laboratory Services

In-network:
You pay 30% (after deductible)
Plan pays 70%

Diagnostic Radiology / Complex Imaging (MRI/PET/CT)

In-network:
Routine Radiology: $100
Complex Imaging: $250

Diagnostic Radiology / Complex Imaging (MRI/PET/CT)

In-network:
You pay 30% (after deductible)
Plan pays 70%

Emergency Room

In-network:
You pay $200 copay (waived if admitted)

Emergency Room

In-network:
You pay 30% (after deductible)
Plan pays 70%

Urgent Care

In-network:
You pay $50 copay

Urgent Care

In-network:
You pay 30% (after deductible)
Plan pays 70%

Hospitalization

In-network:
Inpatient: Plan pays $300/day Max $1,500
Outpatient: $150 copay

Hospitalization

Inpatient/Outpatient In-network:
You pay 30% (after deductible)
Plan pays 70%

Are you required to use network providers?

Yes.

Are you required to use network providers?

No (but your costs will be lower when you do)

Do you need a referral to a specialist?

No.

Do you need a referral to a specialist?

No.

Health Reimbursement Account (HRA)

N/A

Health Reimbursement Account (HRA)

The HRA will reimburse 100% of the deductible, depending on the level of coverage you select.

  • For single coverage, Artcraft will fund $2,500 of your deductible

  • For employee/child(ren), employee/spouse or family coverage, Artcraft will fund $5,000 of your deductible.

Can I use a Health Care Flexible Spending Account (FSA)?

Yes.

Can I use a Health Care Flexible Spending Account (FSA)?

Yes! You can have both an HRA and FSA at the same time, however, the same expense cannot be reimbursed from both accounts.

Prescription Drug

Prescription Drugs:
$10 / $30 / $60 copays

Prescription Drug

Prescription Drug:
$10 / $30 / $60 – copays after deductible

Can I use a Health Savings Account (HSA) or Health Reimbursement Account (HRA)?

No.

Can I use a Health Savings Account (HSA) or Health Reimbursement Account (HRA)?

N/A