Participants select a primary care physician who serves as the overall health care manager coordinating all medical services. The Aetna Open Choice plan is a moderately managed plan, but does not require you to select a primary care physician. For prescriptions purchased at a participating pharmacy, you pay a copayment for generic drugs and drugs that have no generic equivalent. Please note that HealthNow and Aetna's pharmacy directories are different. HealthNow uses Express Scripts and Aetna uses Express Pharmacy.
Participants pay the full cost of the plan on a pre-tax basis.
The high option plan and the low option plan provide comprehensive dental benefits with similar deductibles, waiting periods, and annual benefit maximums. The difference between the plans is in the reimbursement levels. Reimbursement levels are based on reasonable and customary charges for dentists in the area where the service was performed. First Ameritas Life Insurance Corporation administers the plan. You may supplement this benefit with accrued sick leave or accrued vacation in half-day increments.