Page 12 - OpenX 2022 Book of Benefits

Understand how your plan works:

KAISER / AETNA AETNA

HMO PPO CDHP + HSA

Health Maintenance Organization. Preferred Provider Organization. Consumer Driven Health Plan +
Health Savings Account.
Limited to Southern California Available to all employees. Available to all employees.
employees only.

You are assigned a primary care You have the choice of provider You have the choice of provider
physician (PCP). and can go in or out of network. and can go in or out of network.

PCP conveniently coordinates In-network care will always be Includes tools to shop
all of your care through required cheaper. for providers and price
referrals. out covered services and
medications.
In-network plan only; you are Copay model, deductible required Deductible plan, once
responsible for costs if you go for both in- and out-of-network deductible is met coinsurance
outside of the network. doctors. applies until out-of-pocket
max is reached.

Copay model, no deductible. Coinsurance applies for some Comes with HSA and works
covered services. with LPFSA*.
Works with an FSA. Works with an FSA. Company contribution to HSA
– OpenX puts free money into
HSA for employees to spend.

*Limited Purpose Flexible Spending Arrangement.

Understanding the difference between plans

You have three plan options from two providers to choose from. Kaiser provides an HMO to Southern
California employees, while Aetna provides an HMO to select zip codes, and a PPO and CDHP + HSA
option to all employees, no matter where you reside in the US. Regardless of the plan you choose,
when you enroll for medical coverage, you automatically receive prescription coverage through
either Kaiser or Aetna’s CVS Pharmacy.

The HMO

An HMO, or a Health Maintenance Organization, is a medical insurance group that provides health
services for a fixed-rate fee. An HMO plan requires you and enrolled dependents to select a Primary
Care Physician (PCP) who will direct the majority of your healthcare needs. If you do not have a

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