Medical Plan Options and Health Savings Account

You are first eligible for the medical  plan on your date of hire.  After you enroll, you may not make a change to your elections until the next annual enrollment period unless you have a qualified change in family status (see the employee handbook for more information on life status changes).

You have three medical plan options available to choose from through Aetna.

Need help deciding which one is best for you?  Contact the Health Advocate to discuss your options at 1-866-695-8622.

The Aetna Consumer Choice (HSA) Plan is a qualified high deductible health plan and is the only plan that allows you to contribute to a Health Savings Account (HSA). An HSA allows you and the college to set aside funds on a pre-tax basis to pay for qualified medical care (including deductibles and coinsurance). It also requires the lowest amount of employee payroll contribution towards the cost of the premium.  The plan pays for preventive medical care at 100% and also certain preventive drugs at 100%.  All other services and prescription drugs are subject to a deductible before the plan begins to pay for in-network services at 80% up to the out-of-pocket limit.  With this plan, all providers in the Aetna network are covered at the same level.  New for 2018, if you enroll in the HSA Plan you will automatically be enrolled in the Hospital Indemnity Plan (HIP) and Bates will cover the cost.  The HIP provides a $1,000 benefit if a covered member is admitted to the hospital for a hospital stay (see Hospital Indemnity Plan brochure for more information on an eligible hospital stay), as well as other daily benefits for extended hospital stays (see HIP Plan for more information).

The Aetna Whole Health (ACO) Plan is a unique plan that features varying levels of coverage based on three provider networks. Members incur the lowest annual deductible and out-of-pocket expenses when receiving care from providers in the Aetna Whole Health Tier 1 network. When obtaining care from a Tier 2 network provider or a non-participating provider, you will incur a higher deductible and additional out-of-pocket costs. With this plan, you are required to select a PCP from the Tier 1 network, but you do not need referrals for specialist services.  

The Aetna PPO Plan is the most expensive plan, but you have the same access to Aetna’s full network similar to the HSA Plan.  You will incur a flat copay for most services outside of the hospital. This plan does not require the selection of a PCP or referrals.

See the plan summaries for each of the plans for more details on costs and coverages.

Prescription Drug Coverage:  All three plans use the same prescription drug formulary.   There are  two cost management programs for certain drugs (see listings below)Questions for Aetna? Call the concierge services line listed on the back of your card 1-855-586-6963 or the Health Advocate service at 1-866-695-8622.

NEW Hospital Indemnity Plan:  If you elect the [HSA] Aetna Consumer Choice Plan then the college will cover the cost and automatically enroll you in this plan.  You may also elect the HIP if you are covered under the ACO or PPO or even if you opt out of the Bates medical plan.  The premium will be deducted from your check on an after-tax basis.  The HIP plan provides a $1,000 benefit should any covered member of your family be admitted* to the hospital for an overnight stay.  You will receive an additional $100 for any additional day spent in the hospital or $200 a day in the ICU.  If you do not want to enroll in the HIP we ask that you elect to Opt Out of the HIP.

* See Hospital Indemnity Plan brochure for definition of Admission, there are times you may be in a hospital overnight and not be “admitted”.  For example, some outpatient procedures such as joint replacements may require you to stay in the hospital overnight but this is not an admission to the hospital. You must be admitted to receive the $1,000 benefit.

Monthly premiums are as follows:

$10.96 you only
$24.43 you + spouse/partner
$18.78 you + child(ren)
$31.04 you, spouse/partner + child(ren)

(View a mini presentation on the new HIP plan)

2018 medical, dental and vision plan contribution rates.

A cost comparison tool (excel spreadsheet) has been developed for you to compare your total out-of-pocket costs by plan for based on your estimated use of healthcare services.  This tool provides examples only and actual cost will be based on the actual services used.

Annual Enrollment will take place beginning Monday, November 6th and ending at midnight on Tuesday, November 21st.  Between now and when annual enrollment begins we will have several opportunities for you to learn more about the medical options .

Medical Plan Summaries:

Other Aetna Medical Plan Information


A Health Savings Account, or HSA for short, is a tax advantaged account that both Bates and you can contribute to and it is owned by you.  You can use funds from your HSA to pay for current medical expenses (including dental and vision) for yourself and your tax dependents or save for future healthcare expenses.

Unlike our current Healthcare Reimbursement Account any contributions remaining in your HSA roll over from year to year and the account is yours when you leave bates.  Watch this short video for an introduction to an HSA.

Health Savings Accounts Reference Materials:

Investing funds in your Health Savings Account

Once you feel you have enough funds in your Health Savings Account to cover your medical needs you can begin investing in Mutual Funds for longer term growth (minimum balance of $1,000 in your Health Savings Account is required before you can invest in Mutual funds).  There is a $2.00 a month Investment Account Maintenance fee.

With an investment account you have:

Tour the “Financial Center” section of your Health Savings Account with PayFlex for more information.