The following charts summarizes the benefits for the medical plans offered to all eligible employees.
Comparing the Options
Before you review your medical plan options, you should understand how they work. Start with these terms:
A set percentage you pay of the cost of the care you receive, for example 20%.
A set dollar amount you pay when you receive health care, for example $35 when you see a specialist.
A set amount you must pay out of your pocket before the plan starts paying part of the cost unless a copay applies.
The most you will pay in a calendar year for provider visits, prescriptions, etc., for covered expenses and includes your deductible, copays, and coinsurance. This “safety net” provides peace of mind for those who have a serious condition or illness
HMO's (aetna)
California Only | Value Network HMO | Traditional HMO |
|---|---|---|
| Plan Design | Showing In-Network Only |
|
| Annual Deductible (Individual/Family) | $500 / $1,000 | $500 / $1,000 |
| Annual Out-of-Pocket Max (Individual/Family) | $2,500 / $5,000 | $2,500 / $5,000 |
| Preventive Care | $0 | $0 |
| Primary/Specialist Office Visit | $15 / $30 | $15 / $30 |
| Urgent Care | $35 copay | $35 copay |
| Inpatient Hospital Stays | $250 after deductible | $250 after deductible |
| Outpatient Surgery | $100 after deductible | $100 after deductible |
| Emergency Room | $150 after deductible | $100 after deductible |
| Lab / X-Rays | $0 | $0 |
| Retail 30-day supply | ||
| Prescription Deductible (waived for Generic) | $0 | $0 |
| Generic | $10 copay | $10 copay |
| Preferred Brand Name | $30 copay | $30 copay |
| Non-Preferred Brand Name | $50 copay | $50 copay |
| Specialty Drugs | 30% up to $250 max | 30% up to $250 max |
PPO's (aetna)
| Plan | Traditional PPO | HDHP |
|---|---|---|
| Availability | Available Nationwide | |
| Plan Design | Showing In-Network Only* | |
| Annual Deductible (Individual) | $500 | $3,400 |
| Annual Deductible (Family) | $1,000 | $6,800 |
| Annual Out-of-Pocket Max (Individual) | $3,500 | $6,000 |
| Annual Out-of-Pocket Max (Family) | $7,000 | $12,000 |
| Preventive Care | $0 | $0 |
| Primary/Specialist Office Visit | $15 / $30 copay | $0 after deductible |
| Urgent Care | $50 copay | $0 after deductible |
| Inpatient Hospital Stays | 20% after deductible | $0 after deductible |
| Outpatient Surgery | 20% after deductible | $0 after deductible |
| Emergency Room | $300 copay + 20% coinsurance | $0 after deductible |
| Lab / X-Rays | 20% after deductible | $0 after deductible |
| Retail 30-day supply | ||
| Prescription Deductible (waived for Generic) | $0 | Combined with Medical |
| Generic | $10 copay | $10 after medical deductible |
| Preferred Brand Name | $30 copay | $30 after medical deductible |
| Non-Preferred Brand Name | $50 copay | $50 after medical deductible |
| Specialty Drugs | 30% up to $250 | 30% after medical deductible up to $250 max |
* Out of network providers may balance bill you
Your Weekly Cost
Despite of the medical carrier premiums increase every year, you continue to pay the same medical contributions since 2024. Thanks to WAEV for absorbing the difference in cost year after year.
WaeV also pays 100% of the premiums for the Basic Life / AD&D coverage for employees only and you are welcome and encouraged to purchase additional life insurance for yourself and/or your dependents.
Other Voluntary Benefits for you to choose from: Dental, Vision, Accident Insurance, Critical Illness, Short-Term Disability and Long-Term Disability.
The weekly contributions for the 06/01/2026 to 05/31/2027 plan year are shown in the following tables:
