BNY Mellon Benefits Guide
Choosing a Carrier
If you enroll in either the Lower Deductible HSA Plan or Higher Deductible HSA Plan, you will need to choose either the Aetna or UnitedHealthcare network at the time you enroll.
To determine if your health care providers participate in Aetna and/or UnitedHealthcare networks, log on to the carrier websites, or contact Aetna at 1-855-855-8112 or UnitedHealthcare at 1-800-842-0750. If you are currently enrolled in an Aetna or UnitedHealthcare health plan, you can also log on to Castlight at www.mycastlight.com/bnymellon to determine your provider's participation. Note the "Network Name" associated with the "Health Plan Carrier" options noted below:
Keep in mind, the health plan premiums you pay will be based in part on the medical carrier you choose — Aetna or UnitedHealthcare.
Depending on where you live, one medical carrier may have negotiated greater discounts on average with providers, making that carrier more cost-effective for you and BNY Mellon than the other carrier in that area. Where this happens, the more cost-effective carrier is designated as the preferred carrier.
Your choice of a preferred or non-preferred carrier will affect your 2019 health plan premium rate as explained below:
- When you choose the preferred carrier for your state of residence, your health plan premium rate will be lower than if you choose the non-preferred carrier.
- If no preferred carrier has been identified in your state, you can enroll in either carrier and will pay the 2019 preferred carrier premium rate.
The table below shows the states that will have a preferred carrier in 2019. If you reside in a state that is not listed here, you will pay the same preferred carrier premium rate whether you choose Aetna or UnitedHealthcare.
During the year, if your state of residence changes:
- From a non-preferred to a preferred carrier state, your health plan premium will automatically be adjusted prospectively to the preferred carrier premium rate.
- From a preferred to a non-preferred carrier state, your health plan premium will not change during the year of your move, but will be adjusted as appropriate for the following year, based on your eligibility to participate and medical plan option and carrier selected.