Medical Plans

Step #1: Review providers within DSST's Network: Aetna's Open Access Managed Choice 

• You can review all of the providers who are listed as "in-network" by entering "Aetna Choice POS II (Open Access)" at www.aetna.com/docfind/custom/mymeritain/.

Step #2: Determine which plan type is best for you and your family (High Deductible HDHP or CoPay)

• Review the plan types below and determine which plan type is best for you and your family.

Step #3: Choose between the "Base" or "Buy-Up" Plan Option

• Base plans have lower premiums (the money taken out of your check) but higher deductibles and out-of-pocket maximums. Buy-up plans cost more in premiums but the deductibles and out-of-pocket maximums are lower.

*****please note, all deductibles and out of pocket maximums re-set on January 1 of the new calendar year

HDHP: High Deductible Health Plans

Why this type of plan? 

DSST pays the majority of the employee only premium for the Aetna Premier Care Network. You pay a small premium for the OAMC Broad Network. Being enrolled in a HDHP plan means you are responsible for the full, negotiated, cost  of care for each appointment/service until your deductible is met. On this plan you do not have copays for office visits or prescription drugs. Being enrolled in a qualified HDHP plan allows you to save money on a pre-tax basis into an Heath Savings Account (HSA).

(Deductible Type: AGGREGATE (NON-EMBEDDED): On the HDHP plan(s) only. If you cover your family (spouse and/or children), the family deductible must be met either by one individual, or by a combination of family members, before the plan begins to pay. If you are enrolled with single (individual) coverage, you only have the single deductible to meet.)

Team Member Cost: 

Team member cost varies depending on whether you select the Base plan or the Buy Up plan. The Base plan is a lower premium cost to team members, but a higher deductible. DSST covers the majority of team member costs for this plan, you pay an additional premium to enroll your dependents.

Health Savings Account (HSA): 

• • Though the deductible with the HDHP is high, you can plan ahead for expenses with an HSA account to offset costs by making a pre-tax contribution to pay for any qualified health care expense as defined by the IRS, including most out-of-pocket medical, prescription drug, dental and vision  expenses.

Aetna HDHP Plan Summaries:  

• Base HSA (HDHP) Plan

• Buy-Up HSA (HDHP) Plan

“Co-Pay” Medical Plans

Why this type of plan? 

This plan offers a slightly higher monthly premiums but with lower deductibles. Employees that select this plan are eligible to participate in the Medical Flexible Savings Account (FSA). 

(DEDUCTIBLE Type: On the copay plan(s) only, If you cover your family (spouse and/or children), all eligible medical costs for each family member will count towards meeting the family deductible. However, an individual will not have to pay more than the individual deductible. If you are enrolled with single (individual) coverage, you only have the single deductible to meet.)

Team Member Cost: 

Team member cost varies depending on whether you select the Base plan or the Buy Up plan. The Base plan is a lower premium cost to team members, but a higher deductible.

Co-Pays & Deductibles: 

On these plans, there are set co-pays for primary and  specialty care for office visits and prescription drugs. Other services will accumulate towards your deductible.

Aetna Co-Pay Plan Summary: 

• Base Copay Plan

• Buy-Up Copay Plan