BNY Mellon Benefits Guide
Medical and Prescription Drug
For 2016, most eligible employees have a choice between the following two national health plan options, each offered by our carriers, Aetna and UnitedHealthcare, with prescription drug coverage offered through CVS Caremark:
|
Option 1: Plan HRA
Health Reimbursement Account
See "Plan HRA (Health Reimbursement Account)" for details
|
Option 2: Plan HSA
Health Savings Account
See "Plan HSA (Health Savings Account)" for details
|
If you are eligible for a regional plan, you will receive more information at the time you enroll. Generally:
- Residents in Southern and Northern California are also eligible for coverage under the Kaiser Permanente California health plan. The Kaiser Plan deductible is $500 for individual coverage/$1,000 for family coverage. After you reach your annual deductible, BNY Mellon will pay 80 percent of the cost of eligible in-network care, and you will pay 20 percent of the cost for services subject to a deductible. The in-network out-of-pocket maximum is $4,000 per person and $8,000 per family. Details about this plan are available on the MyBenefit Solutions website under "Plan Information."
- Hawaii residents will be eligible for coverage under HMSA.
- International expatriates will be eligible for coverage under Aetna International.
Your Medical Coverage Levels
You may select one of the following four levels of coverage:
- Employee Only
- Employee + Child(ren)
- Employee + Spouse/Domestic Partner
- Employee + Family (more than one eligible dependent)
Locating a Provider
Use the links below to locate a doctor, hospital or other provider in Aetna's and UnitedHealthcare's national networks. Note the network name associated with the health plan carrier.