Please see our Savings Calculator to determine the plans and rates for your area.

Yes. Our plans include access to great discounts on eyewear, vision services, gyms, weight loss programs, chiropractic, acupuncture, massage, vitamins, electric toothbrushes, gum, mints, and more!

Dependents may be covered up to age 26. Incapacitated children who are older than age 26 may be able to continue beyond age 26.

Additional information is available on the Office of Personnel Management’s (OPM) website at www.opm.gov/insure. The age increase, however, does not apply to the FEDVIP Program. Under FEDVIP, dependents are still covered up to age 22. In addition, while married children are eligible for coverage under the FEHB Program, they are not eligible for coverage under FEDVIP. Additional information is available on the Office of Personnel Management’s website at www.opm.gov/insure.

Note: If you are also enrolled in a Federal Employees Dental and Vision Insurance Program (FEDVIP), dependents children are only covered to age 22.

The Aetna Open Access Plan provides a full range of medical, dental and vision benefits, access to an extensive network of almost 600,000 providers, and the freedom to see Aetna network specialists without a referral*.

Plan features include:

• No referrals*
• Low cost
• No deductible
• No requirement to choose a primary care physician (PCP), although highly encouraged**
• Basic dental included or you may select our Dental PPO network option at no extra charge
• Out-of-area dependent coverage - see any Aetna HMO provider nationwide.
• Vision benefitsincluding an eyewear reimbursement every 24 months
• Lot of perks like discounts on eyewear, gyms, weight loss programs, acupuncture, massage, vitamins, electric toothbrushes, gum, mints, and more!
• Online tools to help you manage your health

*except in California where referrals are required
** PCP selection required in our California HMO Plan.

To understand how the plan works, let's review its components. This plan includes access to the Aetna PPO Network.

Preventive Care

• Covered at 100% in network - medical/dental/vision (Does not reduce your Funds)

The Funds

• Annual Medical Fund - $1,250 Single; $2,500 Family (prorated for enrollments other than during Open Season)
• Annual Dental Fund - $300 Single; $600 Family
• Funds pay for eligible expenses in network or out of network at 100% up to the Fund balance.
• You can visit any licensed health care professional or hospital for covered services (in and out of network) - without a referral.
• Unused Medical and Dental Fund balance rolls over to the next year as long as you remain enrolled in the Aetna HealthFund CDHP

The Medical and Prescription Drug Plan

• The Deductible - After you have used your Medical Fund, and before traditional plan coverage begins, you have an annual deductible of $750 Single; $1,500 Family.
• Medical Coverage - When the annual deductible is satisfied, the traditional medical coverage (90% coverage for in-network care and 60% coverage for out-of-network care) begins. The medical plan also includes an out-of-pocket maximum of $3,000 Single/$6,000 Family for in-network expenses and $4,000 Single/ $8,000 Family for out-of-network expenses (including annual deductible) to limit the amount you pay out of pocket in a given year - meaning at that point, Aetna pays 100 % of your eligible medical expenses for the remainder of the calendar year.
• Prescription Drug Coverage - When you fill a covered prescription, the cost of the prescription will be paid from your Medical Fund if Fund dollars are available. If Fund dollars are not available, you pay for the covered prescription until your annual deductible has been satisfied. Once the annual deductible has been satisfied, you pay a copayment of $10/$30/$50 for each eligible in-network prescription.

Dental Discounts - Available from Aetna participating dentists even if you have used all of your Dental Fund dollars.

Aetna HealthFund High Deductible Health Plan (HDHP) with Health Savings Account (HSA) is a health plan with a PPO network that provides traditional health care coverage and a tax-advantaged way (HSA) to help you build savings for future medical needs. An HDHP with an HSA is designed to give greater flexibility and discretion over how you use your health care benefits. As an informed consumer, you decide how to use the dollars in your HSA.

To understand how the Plan works, let's review its components.

The Health Savings Account

• The Plan will automatically deposit $62.50 per month/Self Only or $125 per month/Self and Family into your HSA. (That is $750/Self Only or $1,500/Self and Family annually.)
• You can also make voluntary contributions to your HSA. The annual statutory maximum (plan contributions plus voluntary contributions) for 2012 is $3,100/Self Only or $6,250/Self and Family so you may voluntarily deposit up to $2,350/Self Only or /$4,750 Self and Family. If you or your spouse are age 55 or older, you may make a catch-up contribution of up to $1,000 for 2012.
• When you have a qualified expense (e.g., doctor visit, prescription refill, dental procedures), you may withdraw money from your HSA, tax free, to pay for or be reimbursed for this out-of-pocket expense or, when you have a claim, you can choose to pay from other funds and allow your HSA to grow over time and use it for future health-related expenses.
• Any unused dollars roll over year after year.
• 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 HDHP Plan provides traditional health benefits after you have met your deductible. You can visit any licensed health care professional or hospital for covered services - without a referral. Precertification is required for hospitalization and certain procedures.

• Preventive Care - The Plan includes in-network preventive care coverage (e.g. routine physicals, immunizations, screenings and cleanings at the dentist) - covered at 100 percent - to encourage you to receive these important services
• Deductible - The Plan includes an annual deductible - the amount you pay out of pocket before the medical coverage begins payment for covered expenses - of $1,500/Self Only or $3,000/Self and Family for in-network service and $2,500/Self Only or $5,000 Self and Family for out of network service per year. You may use money from your HSA to pay for covered expenses and that will go towards satisfying your deductible.
• Medical Coverage - When the deductible is met, the medical coverage (90% in network, 70% out of network) begins for covered expenses. The medical plan also includes an annual out-of-pocket maximum to limit the amount you pay out-of-pocket in a given year - meaning once you reach the maximum, the Plan pays 100 %of your covered medical expenses for the remainder of the year.
• Prescription Drug Coverage - When you fill a prescription, you will pay the cost of the prescription, until the deductible has been met. At Aetna participating pharmacies, your prescription drug price may be lower because we have negotiated pricing on behalf of our members. Once the deductible has been met, you pay a copayment for covered prescriptions. Refer to your Federal Plan brochure for additional details.

Yes. Our DocFind® online directory lists participating physicians, hospitals and other health care professionals. DocFind® also includes important provider credentials like education, board certification and languages spoken.

Implants and related services are not covered. However the crown that goes over the implant would be covered. The tooth being replaced must be extracted while covered under the FEDVIP plan.

Only on Orthodontia coverage. Orthodontia coverage is available for children up to 19 years of age. A member will be eligible to receive orthodontic benefits after they have been continuously covered by the Aetna FEDVIP Dental PPO plan for 24 months.

Basic plan summary:

• Annual Benefit Maximum: $3,000 in-network/$2,000 out-of-network per member
• Visit any licensed dentist, anywhere – without a referral.
• No Deductible
• Preventive/Basic Services 100% covered*
  e.g. Cleanings, X-rays, Sealants, Space Maintainer and Fluoride
• Intermediate Services 60% covered*
  e.g. Fillings, Therapeutic Pulpotomy, Uncomplicated Extractions, Periodontal Scaling, Denture Adjustment and Repair
• Major Services 40% covered*
  e.g. Inlays, Onlays, Crowns, Root Canal, Full & Partial Dentures, Pontics, General Anesthesia/Intravenous Sedation
• Orthodontic Services** 30% covered*
• Orthodontic Lifetime Maximum $1,500/member