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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)