Post-Doctoral Fellows
Medical Plan Options
Eligibility
In order to enroll in a medical or dental plan, you must be scheduled to work at least 50% of the time. For more information see the Medical Plan Comparison Chart, Enrollment Form and Rates. Here's a closer look at your Post Doc Fellows medical plan options:
| 2008 Plan Benefit | Coverage Under the Yale Health Plan | Coverage Under the Aetna Choice POS II | Coverage Under the Aetna Choice POS II with HSA (High Deductible Health Plan) |
|---|---|---|---|
| Preventive Care | Plan pays 100% | $15 | You pay 20% before deductible |
| Office Visits (PCP/Specialist) | Plan pays 100% | $15/$25 | After you pay the deductible, you pay 20% |
| Prescription Drugs (Generic/Brand-Name) | After you pay a $200 deductible per fiscal year, you pay 20% of the cost, up to a maximum out-of-pocket expense of $700. There is also an annual maximum of $25,000 per person | $10/$30 Retail(30 day supply)$20/$60 Mail Order(90-day supply) | After you pay the deductible, you pay 20% |
| Deductible | None | $150 Individual $300 Family (Per calendar year) |
$1,500 Individual $3,000 Family (Per calendar year) |
| Inpatient Hospital Care | Plan pays 100% | After you pay deductible, you pay 0% | After you pay the deductible, you pay 20% |
| Outpatient Surgical Services | Plan pays 100% | After you pay deductible, you pay 0% | After you pay the deductible, you pay 20% |
| Emergency Room Visits | Plan pays 100% | $50 | $50 |
| Out-of-pocket Maximum (after deductible) | Not applicable | $1,500 Individual $3,000 Family (Per calendar year) |
$2,500 Individual $5,000 Family (Per calendar year) |
| Out-of-network Care | Emergency and urgent care and pre-authorized follow-up care | After you pay the deductible ($300 for individuals, $600 for families), you pay 30% of the cost, up to a maximum out-of-pocket expense of $3,000 for individuals and $6,000 for families. (Per calendar year) |
After you pay a $1,500 deductible, you pay 50% of the cost, up to a maximum out-of-pocket expense of $4,000 (Per calendar year) |
