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medical

Overview
Networks
PCP Designation
HMO vs. HDHP
Plan Comparison
Sun illustration

Overview

SCAN offers all benefit eligible employees residing in California the choice between three HMO plans with Aetna. All benefit eligible employees have access to a High-Deductible Health Plan (HDHP) with Aetna that provides coverage nationwide. 

For those residing in California, please take note of the different network for each HMO plan and ensure that your preferred providers and hospitals are within the plan network. Services rendered outside of the network will not be covered and will be at your own expense (emergencies excluded). 

Networks

Aetna Whole Health HMO

Southern California employees only

This network provides coverage for a small network of providers and medical groups in Southern California only. During enrollment, you will be required to select the primary care provider (PCP) for you and any enrolled dependents. 

Aetna Value HMO

California employees only

This network provides coverage to a limited network of providers and medical groups throughout California. During enrollment, you will be required to select the primary care provider (PCP) for you and any enrolled dependents.

Aetna HMO

California employees only

This network provides coverage to a broad network of providers and medical groups throughout California. During enrollment, you will be required to select the primary care provider (PCP) for you and any enrolled dependents.

Aetna Open Access Managed Choice HDHP

Offered in all states

This network provides access to a broad network of providers and medical groups throughout the United States. The HDHP plan does provide limited reimbursement for services received out-of-network. Selection of a primary care provider (PCP) is not required. 

PCP Designation

When you complete your enrollment, you must enter your primary care provider (PCP) identification number if you enroll in one of the HMOs. Each enrolled family member may designate their own PCP. Your PCP ID can be found directly on Aetna’s website using the instructions below. If you do not designate a PCP during your enrollment process, Aetna will auto-assign one to you. If you wish to change your PCP after you have completed your enrollment, you will need to update your PCP ID directly with Aetna by calling Aetna member services. 

  • Go to https://www.aetnaresource.com/m/SCAN

  • Once you find your desired physician, you will see the Primary Care ID listed on their profile.

  • Enter the 6-digit Primary Care ID during your enrollment. If your Primary Care ID is only 5 digits, please add a leading “0”. 

HMO vs HDHP: What to Know

If selecting one of the HMO plan options, all care must be rendered within your primary medical group. All care is funneled through your primary care provider (PCP) and your PCP must provide a referral to see a specialist. Care received outside of your medical group will not be covered and will be at your own expense.

If you select the HDHP, you have the flexibility to self-refer to any provider within the network, no PCP referral required. Coverage is available out-of-network, however, benefits are significantly reduced. 

Plan
Provider Network Size
PCP Requirement
Geographic Coverage
Out-of-Network Coverage
Aetna Whole Health HMO
(CA Employees)
Most restrictive
Required
Southern California
Not Covered
Aetna Value HMO
(CA Employees)
Limited
Required
California
Not Covered
Aetna HMO
(CA Employees)
Broad
Required
California
Not Covered
Aetna Open Access Managed Choice HDHP
(CA and Non-CA Employees)
Broad
Not Required
Nationwide
Covered

Plan Comparison

Below is a high-level overview of the plan options available to you. Only in-network benefits shown. Please refer to the carrier documents for details on benefits, exclusions, restrictions, and allowances.

AETNA WHOLE HEALTH HMO
(Southern CA Only)
AETNA VALUE HMO
(CA Only)
AETNA HMO
(CA Only)
AETNA OPEN ACCESS MANAGED CHOICE HDHP
(CA & Non-CA)
Medical Highlights
Deductible
Individual
Ind. within a Family
Family
$0
$0
$0
$0
$0
$0
$0
$0
$0
$2,000
$3,300
$4,000
Out-of-Pocket Max
Individual
Family
$2,500
$5,000
$4,000
$8,000
$4,000
$8,000
$3,300
$6,500
Coinsurance
Applicable copays
Applicable copays
Applicable copays
20% after deductible
Out-of-Network Coverage
No
No
No
Yes
Heath Savings Account
Annual SCAN FSA Employer Funding
(funded first two pay periods per month)
N/A
N/A
N/A
CA Employees
$600 Single
$1,200 Family
Non-CA Employees
$1,200 single
$2,250 family
Common Services
Preventive Care
No charge
No charge
No charge
No charge
Office Visit
Primary / Specialty
$20 / $40
$40 / $60
$20 / $30
20% after deductible
Urgent Care
$50
$75
$0
20% after deductible
Emergency Room
$150
$250
20%
20% after deductible
Inpatient Care
$500/admit
$500/day up to 3 days
20%
20% after deductible
Pharmacy
Rx Deductible
$0
$200 individual,
$400 family
$0
Combined with medical
Tier 1/2/3
$10 / $30 / $50
$10 / $30 / $50
$10 / $30 / $50
$10 / $30 / $50
Specialty
30% up to $250
30% up to $250
30% up to $250
30% up to $250
Mail Order Tier 1/2/3
$20 / $60 / $100
$20 / $60 / $110
$20 / $60 / $100
$25 / $90 / $100