Committed to you

Accupac is committed to helping you and your dependents maintain your health and wellness by providing you with access to the highest levels of care. We offer you a choice of three medical plan options for 2025:

Under the Aetna HMO plan, or “Aetna Select” you must select a Primary Care Physician (PCP) to handle all of your care and you are required to obtain a referral to see a specialist. The PCP may be a family doctor, pediatrician, or general practitioner that will provide your care and will refer you to specialists or facilities for treatment when medically necessary. Your PCP will provide routine care for illness, injury, and preventive care such as periodic physical exams, eye exams, well-baby visits, and immunizations. You may change your PCP at any time by calling Aetna Member Services or by accessing Aetna Navigator online. To find a provider search under “Aetna Select.”

Aetna’s Choice POS II Plan gives you the choice of selecting a primary care physician and the option to self-refer when you need specialty care. Each time you need care, you may see your PCP, who will provide basic, routine services and referrals for specialty care. Or you may seek care on your own, without the help of your PCP. Benefits are highest and your out-of- pocket cost lowest when care is provided or coordinated by an in-network provider. To find a provider search under: Aetna Choice POS II (Open Access).

Aetna’s HDHP Managed Choice Plan is designed to give you more control and responsibility over how you spend — or save your health care dollars. Once the deductible is met, the plan pays 100% for in-network services. Although the HDHP option has a higher deductible, your payroll deductions will be lower. Additionally, you are eligible for an HSA if you are enrolled in the HDHP. You may use the money in your HSA to pay all or a portion of your annual deductible, copayments, coinsurance, or other eligible out-of-pocket costs. Refer to page 6 for more information on how the HDHP and HSA work. To find a provider, search under: Aetna Choice POS II (Aetna Health Fund).

We will continue the health savings account (HSA) which can be paired with the HDHP to help you save on eligible health care expenses. Aetna offers a large network of health care professionals that provide quality and cost-effective care. To find a participating network provider, visit DocFind online at aetna.com.

Accupac will give a $25 reward through payroll in 2025 for anyone and their dependents under the age of 18 that receives their Annual Physicals.

Annual physicals are considered preventative and covered at 100% on ALL plans. A few examples of preventative visits are: Annual Well Check with your PCP, Preventative Mammograms, Preventative Colonoscopy, OB-GYN Visit, etc.

Medical plan summaries

HDHP Managed Choice HMO Select Choice POS II
You Pay: In-Network You Pay: Out-of-Network You Pay: In-Network Only You Pay: In-Network You Pay: Out-of-Network
Annual Deductible Individual $3,300 $5,000 $1,500 $1,000 $2,000
Annual Deductible Family $6,600 $10,000 $3,000 $2,000 $4,500
Referral Required? No No Yes No N/A
Out-of-pocket maximum
(includes deductible)
Individual		 $6,600 $10,000 $4,000 $6,600 $25,000
Out-of-pocket maximum
(includes deductible)
Family		 $13,200 $20,000 $8,000 $13,200 $50,000
Selection of PCP Required? No N/A Yes No N/A
Preventive care $0 40% after ded $0 $0 40% after ded
PCP Copay 30% after ded 40% after ded $40 ded waived $20 ded waived 40% after ded
Specialist Copay 30% after ded 40% after ded $80 ded waived $40 ded waived 40% after ded
Mental Health 30% after ded $40 ded waived $20 ded waived 40% after ded
X-Ray 30% after ded 40% after ded 30% after ded 30% after ded 40% after ded
Laboratory 30% after ded 40% after ded 0% after ded 0% after ded 40% after ded
Complex Imaging 30% after ded 40% after ded 30% after ded 30% after ded 40% after ded
Emergency room 30% after ded 30% after ded $350 ded waived $250 ded waived $250 ded waived
Urgent care 30% after ded 50% after ded $100 ded waived $50 ded waived 40% after ded
Inpatient care 30% after ded 40% after ded 30% after ded 30% after ded 40% after ded
Outpatient care 30% after ded 40% after ded 30% after ded 30% after ded 40% after ded
Teladoc $56 N/A $0 ded waived $0 ded waived N/A
Durable Medical Equipment 30% after ded 40% after ded 50% ded waived 30% after ded 40% after ded
Vision Eyewear
(once every 24 months)		 Up to $100 allowance Up to $100 allowance Up to $100 allowance
$50 eye exam		 Up to $100 allowance Up to $100 allowance

Medical plan contributions

Biweekly employee payroll contributions

HDHP Managed Choice HMO Select Choice POS II
Employee $61.96 $108.03 $131.00
Employee + Spouse $184.14 $273.43 $311.13
Employee + Child(ren) $148.02 $222.52 $260.41
Family $248.95 $367.83 $425.59

Employees who use tobacco/nicotine contributions

HDHP Managed Choice HMO Select Choice POS II
Employee $96.58 $142.65 $165.62
Employee + Spouse $218.76 $308.05 $345.74
Employee + Child(ren) $182.63 $257.13 $295.02
Family $283.56 $402.45 $460.21