IQVIA Benefits Handbook

$400 Deductible PPO Plan: Offers the lowest deductibles and out-of-pocket costs when you need medical services. However, the monthly contributions for coverage are the highest.
$900 Deductible PPO Plan: Higher deductibles and out-of-pocket costs than the $400 Deductible PPO Plan, but lower monthly contributions.
$1,850 Deductible Plan with HSA: Offers a higher deductible and out-of-pocket costs with the lower monthly contributions for coverage than the $900 Deductible PPO Plan.
$2,850 Deductible Plan with HSA: Offers the highest deductible and out-of-pocket costs with the lowest monthly contributions for coverage.

Each time you receive care with Aetna, you can choose to receive care from in-network or out-of-network providers. If you choose Kaiser, coverage is in-network only (except for emergency care).
Aetna offers a network of providers who have agreed to charge lower, fixed fees for services. You save money by using in-network providers.
With Aetna, out-of-network care is generally subject to a higher annual deductible, and expenses are covered at a lower percentage than in-network services.
When you enroll in any Medical Plan option, you are automatically enrolled in the Prescription Drug Program administered by Express Scripts (Aetna) or Kaiser.