Medical

We’re proud to offer you the following medical plan choices, designed to help you and your family get the care you need at an affordable price. We offer two Aetna medical plans to choose from: the Aetna PPO II plan and the Aetna HDHP plan. Both provide comprehensive coverage designed to support your health and wellbeing. In addition, if you’re an employee in California or Hawaii, you have access to an additional plan option—the Kaiser HMO plan, which offers a convenient, integrated approach to care through in-network providers only. Explore each plan to find the coverage that best meets your needs and ensures you and your family stay healthy throughout the year. See your Benefits Guide for your cost for coverage.

Choice POS

  • Flexible option to choose in-network or out-of-network doctors.
  • Save money by visiting in-network providers.

Healthfund Choice

  • Flexible options for in-network or out-of-network doctors.
  • Eligible for a Health Savings Account (HSA), allowing you to pay for qualified medical expenses with tax-free money.

Get FREE Money! 

  • Enroll in the Healthfund Choice and get HSA contributions through HealthEquity.
  • Enterprise Wireless Solutions contribution*:
    • $1,000 for individual coverage
    • $2,000 for family coverage
  • Use this FREE money for eligible medical, dental, and vision expenses. 

*This credit is prorated based on when your benefits begin.

How to Find a Provider?

Plan Comparison

Plan Features Choice POS Healthfund Choice*
In-Network Out-of-Network In-Network Out-of-Network
Company Annual HSA Contribution Individual/Family N/A $1,000 / $2,000
Prorated for the year, depending on date of enrollment
  You pay: You pay:
Annual Deductible Individual/Family $1,000 / $2,000 $2,000* / $4,000*
Annual Out-of-Pocket Maximum Individual/Family $3,500 / $7,000 $6,000 / $18,000 $4,000 / $8,000 $6,000 / $18,000
Preventive Care Visit $0 copay 40% after deductible $0 copay 40% after deductible
CVS Virtual Care – General Medicine $0 copay Not covered $55 copay, then 20% after deductible Not covered
Physician Visit/Telemedicine $30 copay 40% after deductible 20% after deductible 40% after deductible
Lab & X-ray Covered in full 40% after deductible 20% after deductible 40% after deductible
Urgent Care $30 copay 40% after deductible 20% after deductible 40% after deductible
Emergency Room $100 copay, then 20%, deductible waived 20% after deductible
Inpatient & Outpatient Hospital Services 20% after deductible 40% after deductible 20% after deductible 40% after deductible
Outpatient Mental Health Services $30 copay 40% after deductible 20% after deductible 40% after deductible
Chiropractic
(35 visits/year)		 $30 copay 40% after deductible 20% after deductible 40% after deductible
Comprehensive Infertility Services 20% after deductible 40% after deductible 20% after deductible 40% after deductible
Acupuncture
(12 visits/year)		 $30 copay 40% after deductible 20% after deductible 40% after deductible
Hearing Exam 
(child & adult)
1 routine exam every 36 months		 20% after deductible 40% after deductible 20% after deductible 40% after deductible
Hearing Aid 
(child & adult)
1 pair every 36 months		 20% after deductible 40% after deductible 20% after deductible 40% after deductible
Prescription Drugs: Retail (up to a 30-day supply)
Generic $0 copay 20% Certain Preventive Medications**
Deductible Waived – Generic covered in full and Brand Name 20%;
All Other Medications Generic, Brand Name, and Specialty medications, 20% after deductible		 40% after deductible
Preferred Brand $45 copay 20% 40% after deductible
Non-Preferred Brand $70 copay 20% 40% after deductible
Specialty*** 20% up to $100 max Not covered Not covered
Prescription Drugs: Mail Order (up to a 90-day supply)
Generic $0 copay N/A Certain Preventive Medications*
Deductible Waived – Generic covered in full and Brand Name 20%;
All Other Medications Generic, Brand Name, and Specialty medications, 20% after deductible		 N/A
Preferred Brand $90 copay
Non-Preferred Brand $140 copay

*2026 deductible change due to IRS annual guidance.

**Review the list of Aetna covered medications at Aetna Standard Plan Formulary List. You will also find the HSA list of Certain Preventive Medications on this site by scrolling down to “More Coverage Details” and clicking on “Other Plan Information” to find the HSA Preventive Medicine List.

***After first specialty drug fill at a retail or specialty pharmacy, subsequent fills must be through the Aetna Specialty Pharmacy network.

Aetna Health Concierge

Insurance coverage can be complicated. Aetna Health Concierge can help you navigate the healthcare system when you need it most.

Benefit Concierge Services:

  • Understand your insurance benefits.
  • Find the best doctor, dentist, or eye care professional in your area to meet your healthcare needs.
  • Save money on medical care with price comparisons before receiving care.
  • Pay less for prescriptions by exploring lower cost options.
  • Get help reviewing your medical bills to make sure you’re not being overcharged.

Your personal assistant will help you find care solutions that fit your needs and your budget. 

Call 1-833-915-3870 to get connected. 

Aetna Specialized Personal Health Advocate

Aetna’s Specialized Personal Health Advocate is like having a healthcare expert just for you. With this program, you can get personalized support and care. Whether you’re exploring fertility options, need help with a premature baby, are looking for services related to transgender care, need support for your emotional wellbeing, or would like to explore genetic condition testing and counseling, we’ve got you covered. Call the Concierge toll-free at 1-833-915-3870 and a Concierge representative can assist with connecting you to appropriate personal health advocate.

Transform Oncology

Transform Oncology works with Aetna to assist you after a cancer diagnosis. Here’s what you may be eligible for:

  • Free hereditary cancer screening to check if you need genetic testing. You can find the screening link in the digital Cancer Support Center within Aetna Health.
  • Information about and access to next-generation sequencing. If you’re in a clinical trial, this won’t cost you anything.
  • Help with keeping your infusion treatment costs down through Site of Care.

Reach out to an Aetna Personal Navigator if you need assistance. Look for the “Request a call” button in the digital Cancer Support Center within Aetna Health.

Hinge Health

Hinge Health helps you move better, reduce pain, and improve your quality of life—at no cost to you. This digital program, fully covered for employees and dependents 18+ on an Aetna medical plan, provides personalized support for chronic pain, peak performance, and women’s pelvic health, including care for pelvic floor disorders at any stage of life.

No copays and no office visits. Best of all there is no cost to you—your Hinge Health benefit is 100% covered by Enterprise Wireless Solutions. This benefit is available to employees and dependents 18+ enrolled in the Aetna medical plan.

If you have questions, call 1-855-902-2777 or email hello@hingehealth.com. You can also visit hinge.health/ericssonenterprise to request a call with a Hinge Health professional.

MinuteClinic Women’s Health

Get convenient care for your mental and physical health—all in one place. From annual wellness exams to menopause support, reproductive health, and counseling, MinuteClinic offers more than 195 in-person and virtual services. Get started at cvs.com/content/womens-health-services.

Virtual Menopause Care

Relief from menopause symptoms is just a click away. Gennev connects you with board-certified OB/GYNs and Registered Dietitian Nutritionists for personalized treatment plans, telehealth visits, and evidence-based care—available in all 50 states. Get started today at gennev.com.

Midlife & Menopause Support

Take control of perimenopause and menopause with Midi’s expert clinicians. Receive personalized Care Plans that may include prescriptions, supplements, lifestyle coaching, and ongoing support—all virtually. Visit joinmidi.com to learn more.

When choosing a medical plan, consider the premium costs, out-of-pocket expenses, and Enterprise Wireless Solutions HSA contribution. Let’s compare how the Choice POS and the Healthfund Choice (HSA Qualified) plans cover different scenarios. Please note, the following scenarios are fictitious examples and to be used for illustration only; actual costs may vary.

Patrick

Employee Only, Low Plan Usage

Patrick is an active, young adult who enjoys exploring new trails. He rarely visits the doctor except for his annual wellness exam and routine preventive care. He receives a monthly rescue inhaler for exercise-induced asthma, which is considered a preventive medication under the Aetna Healthfund (high-deductible) plan.

What Patrick Wants Most in a Plan: Low premiums

Type of Service Choice POS Healthfund Choice
In-Network Preventive Care Visits (Covered at 100%) $0 $0
Annual Prescription Cost – Preferred Brand ($92/prescription)

$540.00

($45 copay x 12 prescriptions)

$220.80
($18.40 x 12 prescriptions)
Pay 20% (deductible waived) of the cost of the drug ($92) for certain preventive medications
Total Spent at Time of Care $540.00 $220.80
HSA Employer Contribution N/A

$220.80

Patrick uses a portion of his employer HSA contribution to pay for his Total Spent at Time of Care and saves the rest for future medical expenses

Annual Premium Cost for Employee Only Coverage

$1,512.68
($58.18 x 26 pay periods)

$1,255.80
($48.30 x 26 pay periods)
Patrick’s Total Cost $2,052.68 $1,255.80

Plan Selection: Patrick chooses the Aetna Healthfund plan. Here’s why:

  • Lower healthcare contributions give him more of his paycheck to spend on
    other priorities.
  • Preventive care is covered at 100% when he stays in-network and he can use CVS Virtual Care for other services, when needed, for a $55 copay.
  • The medication Patrick takes is preventive and covered at 80% for brand
    name and the deductible is waived.
  • He can use his HSA, funded by both his contributions and Enterprise Wireless Solutions, to cover prescription costs and save toward future healthcare needs.
  • The plan’s Employee Only out-of-pocket maximum gives him financial protection if he ever needs significant medical care.

Jacob & Lucy

Employee + Spouse, Moderate Plan Usage

Jacob and Lucy are a busy couple and see their doctors several times a year and they
take brand-name maintenance prescriptions that they receive monthly for migraines and anxiety. They prefer low predictable costs for visits and medications, rather than meeting a large deductible first.

What Jacob Wants Most in a Plan: Convenience, over cost

Type of Service Choice POS Healthfund Choice
In-Network Preventive Visits (Covered at 100%) $0 $0
Primary Care Provider Visit (6 visits at $120 per office visit) $180.00
($30 copay x 6 visits)		 $720.00
($120 x 6 visits)
Pay the full cost until deductible is met
Annual Prescription Cost – Non-Preferred Brand
(2 prescriptions: Aetna Choice $70 copay for each Rx; Aetna Healthfund: $100 each Rx, applied to deductible)		 $1,680.00
($70 copay x 24 prescriptions)		 $2,400.00
($100 x 24 prescriptions)
Pay the full cost until
deductible is met
Total Spent at Time of Care $1,860.00

$3,120.00
HSA Employer Contribution N/A  $2,000.00
Jacob uses his HSA funds
to help pay for Total Spent at Time of Care
Annual Premium Cost for Employee + Spouse Coverage $4,030.12
($155.00 x 26 pay periods)		 $2,897.44
($111.44 x 26 pay periods)
Jacob’s Total Cost $5,893.12 $4,017.44

Plan Selection: Jacob chooses the Aetna Choice POS. Here’s why:

  • Predictable, low copays for visits and prescriptions.
  • Higher premium offset by lower out-of-pocket costs throughout the year.
  • Peace of mind knowing they won’t face a large deductible before coverage kicks in.

The Martinez Family

Family, High Plan Usage

Christina and her husband Ronnie have two active children who frequently need urgent care or ER visits. One child recently needed surgery, resulting in a short hospital stay. They like the flexibility of using HSA funds for both current and future healthcare costs.

What Christina Wants in a Plan: Plan for now, save for the future.

Type of Service Choice POS Healthfund Choice (HSA Qualified)
In-Network Preventive Care Visits (Covered at 100%) $0 $0

Emergency Room Visits (2 visits at $3,400 per visit)

 $1,520.00
($100 copay + 20%
of the remaining cost, deductible waived)		 $4,560.00
(full cost until deductible is met, then 20%)
Primary Care Visits for Children
(5 visits at $120 per visit)		 $150.00 ($30 x 5 visits) $120.00 (20% coinsurance)
Hospitalization
($5,000 for the entire stay)

$1,800.00
($1,000 deductible, then 20% coinsurance)

 $1,000.00
(20% coinsurance,
deductible already met)
Total Christina Spends at
Time of Care		 $3,470.00 $5,680.00
HSA Employer Contribution N/A $2,000.00
Christina uses her HSA funds to help pay for Total Spent at Time of Care
Annual Premium Cost for Employee + Family Coverage $8,329.36
($320.36 x 26 pay periods)		 $5,255.12
($202.12 x 26 pay periods)
Total Annual Cost $11,799.36 $8,935.12

Plan Selection: Christina chooses the Aetna Healthfund Plan. Here’s why:

  • Enterprise Wireless Solutions HSA contribution plus her own savings cover medical costs now and later.
  • Lower premiums free up more money for her HSA, which she uses to pay for expenses until she reaches the deductible.
  • Family OOPM limits financial risk if major care is needed.

Health Maintenance Organization (HMO) Plans

Who’s Eligible?

  • Hawaii Employees: Access to Kaiser HMO Plan.
  • California Employees: Choose between the Kaiser Deductible HMO or one of the Aetna medical plans.

Why Choose an HMO Plan?

  • Access to a large network of doctors and specialists working together for seamless care.
  • Low out-of-pocket maximums.
  • Low copays for most services.
  • Free telehealth services.
  • Access to free preventive care services. Visit healthy.kaiserpermanente.org to learn more.

How to Find a Provider?

Visit healthy.kaiserpermanente.org/doctors-locations to find an in-network provider.

There is no coverage for out-of-network providers. If you receive care from an out-of-network provider, you are responsible for 100% of the cost.

Kaiser Medical Plans

Plan Features HMO (CA) HMO (HI)
In-Network Only In-Network Only
Company Annual HSA Contribution Individual/Family N/A N/A
  You pay
Annual Deductible
Individual/Family		 $1,000 / $2,000 None
Annual Out-of-Pocket Maximum Individual/Family $3,000 / $6,000 $2,500 / $7,500
Preventive Care Visit Covered in full Covered in full
Telehealth Covered in full Cost varies depending on service. Please refer to your plan documents for details.
Physician Visit $20 copay $15 copay
Lab & X-ray $10 per encounter $15 per encounter
Urgent Care $20 copay $15 copay
Emergency Room 20% after deductible 20% 
Inpatient & Outpatient Hospital Services 20% after deductible 20%
Outpatient Mental Health Services $20 copay $15 copay
Chiropractic $15 copay (20 visits/year combined) $15 copay (20 visits/year combined)
Acupuncture
Comprehensive Infertility Services 50%, deductible waived, not subject to out-of-pocket maximum. Limited to one treatment cycle per lifetime. Cost varies depending on service. Please refer to your plan documents for details.
Retail (up to a 30-day supply)*
Generic $10 copay $10 copay
Preferred Brand $30 copay $45 copay
Non-Preferred Brand $30 copay $45 copay
Specialty 20% up to $250 max $200 copay
Mail Order (up to a 100-day supply for CA & up to a 90-day supply for HI)*
Generic $20 copay $20 copay
Preferred Brand $60 copay $90 copay
Non-Preferred Brand $60 copay $90 copay

*Review the list of Kaiser covered medications at Kaiser HMO Formulary List.

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