About the plan:
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A high deductible health plan (HDHP) with health savings account (HSA) is an innovative health plan that gives you more control over how you spend your health care dollars. It can also help you save for future health care expenses with a tax-advantaged HSA.
Key plan features include:
- Automatic monthly deposits into your HSA of $66.67 for Self Only enrollments and $133.34 for Self Plus One or Self and Family enrollments
- 100% coverage for in-network preventive care (medical, dental and vision) that is not subject to the deductible
- You can use your Inspira Financial Aetna HSA Mastercard® to pay for qualified expenses
- Your voluntary HSA contributions are tax deductible
- Tax-free withdrawals may be made for qualified expenses
- Unused funds and interest are carried over, without limit, from year to year
- You own the HSA and it is yours to keep — even when you change health plans, jobs or retire
- Nationwide coverage with the freedom to choose your providers
- Traditional medical plan coverage of 85% in network and 60% out of network once the deductible has been met
- A cap that limits the amount of your out-of-pocket costs in a plan year
Please note: There may be fees associated with an HSA. These are the same types of fees you may pay for checking account transactions. See the HSA fee schedule in your HSA enrollment materials for more information.
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The Aetna HDHP with HSA is a health plan that provides traditional health care coverage and a tax-advantaged way to help you build savings for future medical needs. This plan is designed to give greater flexibility and discretion over how you use your health care benefits. You decide how to spend the dollars in your HSA.
To understand how the plan works, let's review its components.
The HSA:The plan will automatically deposit $66.67 per month for Self Only or $133.34 per month for Self Plus One or Self and Family into your HSA via premium pass through. (That is $800/Self Only or $1,600/Self Plus One or Self and Family annually.)
You can also make voluntary contributions into your HSA. The annual statutory maximum (plan contributions plus voluntary contributions) for 2025 is $4,300/Self Only or $8,500/Self Plus One or Self and Family. So, factoring in the plan's contributions, you may voluntarily deposit up to $3,500/Self Only or $6,950 Self Plus One or Self and Family. If you or your spouse are age 55 or older, you may each make an additional contribution of $1,000 per year.
When you have a qualified expense (e.g. doctor visit, prescription refill, dental procedures), you may pay for it with your tax-free HSA money. Or you can choose to pay out-of-pocket and allow your HSA to grow over time and use it for future health-related expenses. Expenses covered by the plan will apply to your deductible. Expenses not covered by the plan will not.
Any unused HSA funds and interest roll over year after year without limit.
You own your HSA, so you keep it even if you change health plans or jobs.
You may want to make voluntary contributions to your HSA every year. This will lower your taxes and help you build a larger savings for future health care expenses.
The medical and prescription drug plan:- In addition to the HSA, your Aetna HealthFund® plan HDHP provides traditional health benefits after you have met your deductible. You can visit doctors or hospitals in our preferred provider organization (PPO) network. Or go out of network and use any licensed health care professional or hospital for covered services — without a referral. Hospitalization and certain procedures require precertification.
- Preventive care — In-network preventive care (e.g. routine physicals, immunizations, screenings and cleanings at the dentist) is covered at 100%.
- Deductible — A deductible is the amount you pay out-of-pocket before the plan pays for covered services. The plan's annual deductible is $1,800/Self Only or $3,600/Self Plus One or Self and Family for in-network service and $2,600/Self Only or $5,200/Self Plus One or Self and Family for out-of-network service per year. Remember, you may use money from your HSA to pay for covered health care expenses prior to satisfying your deductible.
- Medical coverage — Once the deductible is met, the plan begins to pay for covered expenses. The plan will cover 85% for in-network services and 60% for out-of-network services. The plan also includes an annual out-of-pocket maximum to limit the amount you pay each year. Once you reach that maximum, the plan pays 100% of your covered medical expenses for the remainder of the plan year. The 2025 in-network out-of-pocket maximum is $8,050 for Self Only and $16,100 for Self Plus One or Self and Family enrollment.
- Prescription drug coverage — When you fill a prescription, you will pay the cost of the prescription until the deductible has been met. Once the deductible has been met, you pay a copay or coinsurance for each covered prescription. Refer to your Official Plan brochure for more details.
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If you are looking for a plan with 100% coverage for in-network preventive care, nationwide coverage in and out of network, and an HSA that is yours, then the HDHP with HSA could be right for you.
Consider the following:- Review your past year's medical services use and expenses. Be sure to include the cost of your prescription medications in your review.
- Estimate any expected changes in your medical expenses for the coming year.
- Compare the out-of-pocket costs (employee contributions, deductibles, coinsurance, etc.) for the HDHP with HSA and other health insurance plans available to you.
- Compare dental and vision benefits available with the HDHP with HSA and other health benefits plans available to you.
- Think about whether you are ready to participate in an HDHP, knowing that you may save through tax-free payments on health expenses.
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You have several options:
- Review the Official Plan brochure and other information on this website
- Chat live with a health plan specialist or schedule an appointment for a one-on-one phone consultation at AetnaFedsLivePostal.com
- Call us at 1-833-497-2411 (TTY: 711)
Health savings account (HSA):
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An HSA is a tax-advantaged account that you own. You can contribute to it with pre-tax funds. It’s not taxed when you use your funds for qualified medical care. Plus, it even earns interest tax-free.
- The plan makes contributions to your HSA each month.
- You may also make voluntary contributions to your HSA.
- Your HSA dollars earn interest, tax-free.
- At the end of the year, any money remaining in your HSA rolls over to the next year.
- You own your HSA, so you keep the money even if you change jobs or health plans.
You can pay for qualified expenses with money withdrawn directly from your HSA using your Inspira Aetna HSA Mastercard®. Or use the online payment features to pay your provider directly from your account. You can also allow the account to grow over time and use it to help pay for future health-related expenses — like long-term care insurance premiums, TCC/COBRA premiums and certain retiree expenses.
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Yes.
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To be eligible for an HSA, you must meet certain requirements:
- You must be covered by a High Deductible Health Plan (HDHP).
- You cannot have other health coverage that pays for out-of-pocket health care expenses before you meet your plan deductible.
- You or your spouse cannot have a regular health care flexible spending account (HCFSA)* or regular health reimbursement arrangement (HRA)* in the same year.
- You cannot have Medicare or TRICARE.
- You cannot have received certain Veterans Administration (VA) health benefits in the previous three months.
- You cannot be claimed as a dependent on another person's tax return.
*You can have a Limited Expense FSA. Generally, you can use a Limited Expense FSA for eligible dental and vision expenses. This can help you save your HSA funds for other eligible expenses.
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No, you may no longer contribute to your HSA. But you may keep using the funds in your account. If you no longer qualify for an HSA, you are responsible for notifying us. Then, we will enroll you in our HDHP with a health reimbursement arrangement (HRA).
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You can check your HSA balance and deductible on your member website. Or you can call Customer Service as directed on your Inspira™ Financial Card.
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You can use your HSA funds to pay for some OTC products. You can find detailed information by visiting IRS.gov. Refer to IRS Publications 969 and 502.
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At the end of the year, any money remaining in your HSA stays in your HSA for the next year.
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Yes, the money in your HSA earns interest. Interest earned on your HSA is not included in your income for federal tax purposes.
For HSA balances of $1,000 or more, you'll be able to invest in a variety of mutual funds. Participation in the investment options is entirely optional. You can view these funds in the Financial Center of your online account. See the Official Plan brochure for more details.
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You have three options.
Option 1: Keep your HSA at Inspira Financial- You can use your remaining balance to pay for your eligible health care expenses.
- You have until the tax filing deadline to contribute for the months that you were eligible. You'll need to divide the IRS contribution limit by the number of months you were eligible. This will help you know how much you're eligible to contribute.
- You'll use the same Inspira Financial HSA Mastercard®.
- You'll have to pay a monthly maintenance fee. This fee will be paid from your HSA on the first of each month. Log in to your Inspira Financial account to view the HSA Fee Schedule.
- You'll continue to use the Inspira Financial member website to manage your HSA.
- You may move your HSA balance to a new HSA administrator. Just ask them for a Trustee Transfer form. Then, complete the form and send it to Inspira Financial.
- You may request to withdraw your balance from Inspira Financial and have the funds sent directly to you.
- To help avoid taxes and penalties on these funds, you'll need to roll over those funds into a new HSA. You must complete this process within 60 days of receiving the funds.
- You're only allowed one rollover into another HSA per calendar year. This is an IRS rule.
- The funds you roll over don't count toward the IRS annual maximum contribution amount.
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If the named beneficiary is the deceased account holder's surviving spouse, the spouse becomes the account holder of the HSA and the transfer is not taxable. The surviving spouse would be subject to income tax only to the extent that any distributions from the HSA were not used for qualified medical expenses.
If the named beneficiary is someone other than the deceased account holder's surviving spouse, the HSA ceases to be an HSA. An amount equal to the fair market value of the account assets as of the date of the account holder's death is includible in the beneficiary's gross income (or, if the beneficiary is the deceased account holder's estate, includible in the decedent's gross income for the year in which the death occurred).
A named non-spouse beneficiary (other than the deceased account holder's estate) may reduce the includible amount by the amount of any payments made from the HSA for qualified medical expenses incurred by the decedent before death, but only if the payments are made within one year after the death.
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You may be able to make pre-tax contributions to your HSA through the Federal Flexible Benefits Plan (FEDFLEX). The Office of Personnel Management has worked with payroll providers and employee self-service systems to provide this service. Please contact your payroll office to determine whether this feature is available for your agency.
You may also contribute to your HSA outside of payroll deductions (post-tax). These contributions are still tax deductible on your tax return. You can make contributions from your personal checking or savings account by completing an EFT form, which can be found in our HSA resources. You have until April 15 of the following year to make HSA contributions for the current plan year.
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Once you have funds in your HSA, you can use your Inspira Financial HSA Mastercard® to pay for eligible health care expenses. If you paid out of your pocket, you can go online and reimburse yourself.
When you reimburse yourself, you can do so through a linked bank account. This will withdraw funds from your HSA and deposit them into your personal account. It can take up to 48 hours for you to see the funds in your account.
To link a bank account, log in to Inspira Financial and go to your account settings to get started.
If you prefer to receive a check, use the online tool to request funds and pay yourself back. The Connected Claims feature is another fast and easy way to pay out-of-pocket health expenses from your HSA, without having to use your Inspira Financial HSA Mastercard®. You can go online, view your claims and choose how to pay them. You can pay the provider, pay yourself back or you can archive the claim for future use.
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You can use your HSA to pay for qualified medical expenses. This includes qualified expenses for you, your spouse and your tax dependents. This is true even if they aren’t covered by your HDHP. You can view a list of common eligible expenses online.
To use your HSA funds, you must have received the care on or after the effective date of your HSA. You can find more information IRS.gov. Refer to IRS Publications 969 and 502.
Remember to keep receipts for your HSA purchases to show that you used your HSA funds for qualified expenses. Under HSA regulations, you are responsible for determining which expenses are considered "qualified expenses." Please consult your tax advisor for guidance.
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Yes. You may withdraw money from your HSA for items other than qualified expenses; however, taxes and penalties may apply. Please consult your tax advisor for guidance.
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Yes. The administrative fee to maintain your HSA is included in your premium. If you are not enrolled in our HDHP, you’ll have to pay a monthly maintenance fee. This fee will be deducted from your Inspira Financial HSA on the first of each month.
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No, there are no fees associated with using the Inspira Financial HSA Mastercard®.
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The plan makes deposits to the HSA monthly. The monthly deposit is $66.67 per month for Self Only coverage and $133.34 per month for Self Plus One or Self and Family coverage. Deposits can total up to $800 per year for Self Only coverage or $1,600 per year for Self Plus One or Self and Family coverage, depending on the date that coverage starts.
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Each year, the Internal Revenue Service (IRS) sets annual contribution limits for HSAs. These limits are based on your HDHP coverage level (Self Only, Self plus One, or Self and Family). For 2025, the limit for Self Only coverage is $4,300 and $8,550 for Self plus One or Self and Family.
You can contribute in a lump sum or multiple times throughout the year. You can change how much you contribute at any time during the year; you don’t need a life event change. If you’re age 55 or older, you can contribute an additional $1,000 per year.
This means the amount you can contribute is based on a few things:
- Do you have Self Only or Self and Family coverage?
- Did you have coverage under the plan for the entire year? If not, you may have to prorate how much you can contribute. Proration means you only contribute for the number of months you have the HDHP.
- Are you 55 or older?
- You may want to speak with your tax advisor. They can help you understand how much you can contribute to your HSA. You might also find it helpful to review IRS Publication 969 at IRS.gov.
- Do you have Self Only or Self and Family coverage?
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Yes. The annual statutory maximum (plan contributions plus voluntary contributions) for 2025 is $4,300/Self Only or $8,550/Self Plus One or Self and Family per year.
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If the amount of your eligible medical expense exceeds the amount in your HSA, you would be responsible for paying the out-of-pocket cost. You can reimburse yourself using online payment options as additional funds become available.
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You can use HSA funds to pay for LTC insurance premiums. The amount you withdraw from your HSA to pay LTC premiums would NOT count toward your catastrophic limit, nor toward your deductible, because it is not a covered benefit under the HDHP plan.
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You can view your account balance through the Inspira Financial Mobile® app. You can also sign up to receive emails or text messages with your balance. You can also view your account balance on your member website
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Yes. The OPM website has extensive information about HSAs including FAQs, worksheets, comparison charts, etc. Go to OPM.gov.
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Your voluntary contributions to your HSA made with post-tax dollars (money that has already been subject to income tax) are tax deductible.
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Inspira Financial® will send a Form 5498-SA that will list your contributions to your HSA and a Form 1099-SA that will list the distributions from your HSA. You will need to complete a Form 8889 to report HSA contributions. See the IRS website or your tax advisor for more information.
Doctors and networks:
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No. While you can save money by visiting in-network providers, you have coverage in and out-of-network.
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The Aetna HDHP plan offers you the flexibility to visit any licensed provider (both in and out of network). When you visit an out-of-network provider, you will pay a coinsurance of 40% of our plan allowance and any difference between our allowance and the billed amount once you meet your deductible. The annual out-of-network deductible is $2,600 for Self Only and $5,200 for Self Plus One or Self and Family.
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Visit Aetna.com and use our provider search tool. You can access information about our extensive network of providers, as well as individual physicians' board certification status, medical school attended, the year they graduated, languages spoken, etc.
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Yes, you can visit a MinuteClinic location for urgent care with a $0 copay after you meet your deductible.
What will I pay?
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Yes, mail-order pharmacy is available for maintenance medications. After your deductible, your share of the cost for up to a 90-day prescription will be equal to the cost of two 30-day retail fills. You can also get your 90-day prescription at a CVS Pharmacy® location for the same cost as mail-order. For a complete list of other participating pharmacies, log in to Aetna.com and use our provider search tool.
Go to your member website and select "pharmacy benefits" for details and forms.
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Yes, your calendar year in-network deductible is $1,800 for Self Only coverage, $3,600 Self Plus One or Self and Family.
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Once you pay your deductible, you pay a coinsurance for most services. Coinsurance amounts are listed in the Official Plan Brochure. They will apply until you meet your out-of-pocket maximum.
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The annual deductible must be met before plan benefits are paid for care other than preventive care services.
The annual deductibles for in-network are:- $1,800 for Self Only
- $3,600 for Self Plus One
- $3,600 for Self and Family
- $2,600 for Self Only
- $5,200 for Self Plus One
- $5,200 for Self and Family
Once any covered individual under the Self Plus One or Self and Family enrollment meets a $3,600 deductible, the Plan will begin to cover that member's eligible medical benefits. The remaining balance of the plan deductible can be satisfied by one or more family members.
In-network and out-of-network deductibles do not cross apply and will need to be met separately for traditional benefits to begin.
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In most cases, you won’t make a payment at the time you receive services at an in-network provider. Instead, you should wait for the medical claim to be processed through our claim system. We will process the claim and apply the applicable amount toward your deductible. If you have already met your deductible, you will be billed for the coinsurance amount which is based on the negotiated rate with the in-network provider. The provider’s office will send you a bill requesting payment. If you decide to use your HSA, you should write your Inspira Financial HSA Mastercard® card number on the provider’s bill and submit for payment.
While many out-of-network providers will submit claims for covered care to us on your behalf, some may not. In that case, you may have to pay the full cost of the visit up front and then submit a claim.
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Until you meet your deductible, you will pay the entire cost of the negotiated rate for the prescription at an in-network pharmacy. It is important for you to identify yourself as an Aetna member and show your Aetna ID card to get the negotiated rate. If you have funds available in your HSA, you may use your Inspira Financial HSA Mastercard® to purchase the prescription. Once you meet your deductible, you will be subject to a prescription copay or coinsurance for covered drugs. See Aetna HealthFund® plan HDHP brochure for more details.
Medicare Part D Prescription Drug Plan (PDP) coverage included in Aetna HealthFund HDHP with Health Savings Account:
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The Office of Personnel Management requires all Postal Service Health Benefits (PSHB) Program health plans to offer Medicare Part D prescription drug plans. If you’re enrolled in Medicare Part A and/or Part B, your Aetna PSHB plan will automatically enroll you in Aetna Medicare Rx® offered through SilverScript®, a Medicare Part D prescription drug plan (PDP). This could mean saving on your prescription costs. The same drugs are covered under the Aetna Medicare Rx plan offered through SilverScript, but copays and coinsurance can be lower. So, depending on your prescriptions, this could offer you a great opportunity to save while still enrolled in your current health plan.
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The Medicare Part D PDP is a Medicare approved prescription drug plan that is governed by CMS. When you have Aetna Medicare Rx offered by SilverScript your prescription costs will generally be lower.
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No. Your PSHB premiums will not increase.
However, some members may be required to pay an extra charge, known as the Part D Income-Related Monthly Adjustment Amount (IRMAA). The extra charge is figured out using your modified adjusted gross income as reported on your IRS tax return from 2 years ago. If this amount is above a certain amount, you’ll pay your FEHB premium and the additional IRMAA. For more information on IRMAA, visit the Medicare website.
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Yes.
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No. Your out-of-pocket costs for prescription drugs should decrease with Aetna Medicare Rx offered by SilverScript.
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See Aetna Medicare RX offered by SilverScript plan details here.
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Yes. You will receive an additional card for your Medicare Part D PDP coverage. Starting January 1, 2025, you will need to present your new card at the pharmacy.
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You can use our provider search tool to find standard and preferred pharmacies near you.
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SilverScript (EGWP) Employer Prescription Drug Plan (PDP)
If you’re a retiree enrolled in Medicare Parts A and/or B, your Postal Service Health Benefits (PSHB) plan will offer Medicare Part D plans to help pay for your prescriptions. You’ll automatically be enrolled in a Medicare Part D prescription drug plan (PDP) for 2025. It’s Aetna Medicare Rx® offered by SilverScript®. Generally, this means your prescriptions costs can be lower.
If you do not wish to be enrolled in Aetna Medicare Rx® offered by SilverScript®, you will NOT have prescription drug coverage through your PSHB plan. You will have the opportunity to reenroll only during the next Open Season or after a qualifying life event. (QLE). Also, if you have a higher income, you may be responsible for a surcharge on your Medicare Part D benefit. Refer to the Part D-IRMAA section at Medicare.gov to see if you would be subject to an additional premium.
If you want to opt out of the Aetna Medicare RX offered by SilverScript, please complete and return the SilverScript Group Disenrollment Form (PDF) to:
Group Aetna Medicare
PO Box 7082
London, KY 40742
or, you can fax to 1-833-806-0689 Attn: Group Disenrollment
If you have any questions, please call Member Services at 1-833-251-9749 (TTY: 711), Monday through Friday, 8 AM to 8 PM ET or go online at AetnaRetireeHealth.com/PSHBP
Dental and vision:
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Preventive dental benefits are built in to the HDHP at no added cost. There is 100% coverage for dental cleanings and X-rays received from in-network dentists.
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The HDHP plan covers one routine eye exam (including refraction) every 12-month period at 100% in network. Additionally, a $100 reimbursement for eyeglasses or contact lenses is available every 24 months.
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The plan only covers in-network preventive dental care at 100%. Find participating providers by using our provider search.
There is no coverage for out-of-network dental care. You may choose to use your HSA to pay for non-covered dental care. However, non-covered services would not apply to the deductible. As long as the services are considered IRS-qualified expenses, your HSA withdrawal would not be taxed. For the list of IRS-allowable expenses, you can request a copy of IRS Publication 502 by calling 1-800-829-3676. Or visit IRS.gov/publications/p969.
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One routine eye refraction every 12-month period is covered at 100% when you visit a participating provider. Your provider will submit the claim to Aetna and you won’t pay anything. Members are also eligible for a $100 eyewear reimbursement every 24 months and discounts on frames, lenses, LASIK procedure, etc., through the Aetna VisionSM discount program. If you use a participating location, they will take the $100 eyewear reimbursement off at the point of sale.
You can find participating locations by using our provider search.
If you use an out of network provider, simply submit a vision claim form:
For vision benefit claims covered under your Medical Plan use vision claim form and mail to: P.O. Box 981106, El Paso, TX 79998
For vision benefit claims covered under your FEDVIP Vision Plan use vision claim form and mail to: P.O. Box 8504, Mason OH 45040-7111
Enrollment:
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Enrollment procedures vary by agency. Detailed instructions and information on the Federal Employees Health Benefits (FEHB) Program enrollment process is available at the "Enroll Now" link on the website. You will need to know the enrollment code for the Aetna HDHP with HSA. Please refer to the rate calculator for the plans available in your area and the federal enrollment codes.
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Coverage and 2025 benefit changes for current members and annuitants begins on January 1, 2025. Coverage for active employees joining during Open Season becomes effective on the first day of the first pay period in January 2025.
If you enroll as a newly hired Postal Employee, you have 60 days to enroll in a PSHB plan. Your enrollment will become effective the beginning of the pay period after your enrollment is received.
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If you do not receive your ID card by your effective date, you may use a copy of your SF2809 Form or electronic enrollment confirmation. If you are enrolled in our system, you may register on your member website and access your digital ID card. After you register, simply select "Get an ID card" and follow the instructions. You may use this printable version of your personal ID card if you need medical or dental care.
Member perks:
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Our member website is packed with health and benefits information. When you register, you can access your digital ID card, check eligibility or claim status, check fund balances and much more. Here are just a few of the highlights:
- Cost estimator tools — Provides personalized cost information. You can estimate your out-of-pocket costs for medical tests, office visits and procedures ahead of time. If Medicare is your primary coverage, these estimates may not be representative of your actual costs.
- Hospital Comparison Tool — See how hospitals in your area rank by factors important to you.
- Personal Health Record —A private and secure online tool that captures important health information in one place. It can help you stay healthy with personalized alerts and reminders and lets you print and share your health history with your doctors.
- Our provider search tool — Helps you find doctors, dentists, hospitals and other providers that accept your plan. Using in-network providers will help you save money. The provider search tool also includes important provider credentials like education, board certification and languages spoken.
- Aetna HealthSM app — Puts our online features at your fingertips. You can view your member ID card, find a doctor, look up claims and access your personal health record (PHR). The app is available on the App Store® or Google Play™.
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Yes. Members have access to CVS Health Virtual Care™. Virtual care is a convenient, lower-cost alternative to urgent care or the emergency room. And it’s in addition to your traditional network of providers to give you more options. It's perfect for when you're traveling or when your doctor isn't available. With these virtual options, you can get care ASAP for nonemergency conditions such as cold & flu, sinus infections, pink eye, allergies and more. You can also take care of your mental well-being by talking with a therapist for anxiety or stress. They can even call in a prescription to your pharmacy of choice, when necessary.
To access CVS Health Virtual Care register and make an appointment at CVS.com/virtual-care.
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You must live or work in our service area to enroll in our plan. Return to the homepage to find plans available in your area. Once you’re enrolled in the plan, covered medical services received overseas would be considered out of network. See Section 7 of our Official plan brochure for more information on how to submit overseas claims. You will continue to be able to use your HSA for qualified medical expenses where accepted.
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Yes. You get access to great discounts on prescription eyewear, vision services, gyms, weight loss programs, chiropractic, acupuncture, massage, vitamins, electric toothbrushes, gum, mints and more. Visit AetnaFedsPostal.com/Perks for more information.
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You can earn additional $75 for Self Only or $150 for Self Plus One or Self and Family (enrollee and spouse only) by completing the online health risk assessment, one online wellness program and your biometric screening. Log in to your member website to complete the health risk assessment. The money goes directly into your HSA.
DISCLAIMERS
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). 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.
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 in your HSA enrollment materials for more information. This material does not contain legal or tax advice. You should contact your legal counsel if you have any questions. Inspira Financial cannot and shall not provide any payment or service in violation of any United States (US) economic or trade sanctions. Standard text messaging and other rates from your wireless carrier still apply. Inspira Financial Mobile® is a registered trademark of Inspira Financial Systems USA, Inc. The amount due shown in your account is reported to us by the insurance carrier. Any adjustments to this amount may result in overpayments or underpayments. You may have to work directly with your provider or insurance carrier to make any necessary adjustments. If a refund check is sent to you by your provider, what you do with those funds may have tax consequences.
This material contains only a partial, general description of plan benefits or programs and does not constitute a contract. For more information about Inspira Financial, visit InspiraFinancial.com.
External websites links are provided for your information and convenience only and do not imply or mean that Aetna endorses the content of such linked websites or third-party services. Aetna has no control over the content or materials contained therein. Aetna therefore makes no warranties or representations, express or implied, about such linked websites, the third parties they are owned and operated by, and the information and/or the suitability or quality of the products contained on them.
Estimated costs are not available in all markets or for all services. We provide an estimate for the amount you would owe for a particular service based on your plan at that very point in time. It is not a guarantee. Actual costs may differ from an estimate for various reasons including claims processing times for other services, providers joining or leaving our network or changes to your plan. Health maintenance organization (HMO) members can only get estimated costs for doctor and outpatient facility services.
Not all MinuteClinic services are covered. Please consult the federal brochure 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.
DISCOUNT OFFERS ARE NOT INSURANCE. They are not benefits under your insurance plan. You get access to discounts off the regular charge on products and services offered by third party vendors and providers. Aetna makes no payment to the third parties — you are responsible for the full cost. Check any insurance plan benefits you have before using these discount offers, as those benefits may give you lower costs than these discounts.
Discount vendors and providers are not agents of Aetna and are solely responsible for the products and services they provide. Discount offers are not guaranteed and may be ended at any time. Aetna may get a fee when you buy these discounted products and services.
Vision care providers are contracted through EyeMed Vision Care. LASIK surgery discounts are offered by the U.S. Laser Network and Qualsight.
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.
MasterCard® is a registered trademark of MasterCard International Incorporated. Inspira Financial Card® is a registered trademark of Inspira Financial Systems USA, Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc. Google Play and the Google Play logo are trademarks of Google LLC. Trademarks included in this material are the intellectual property of their respective owners.
For a complete list of other participating pharmacies, log in to Aetna.com and use our provider search tool.
©2023 Aetna Inc.