Medical
Medical Overview
All employees have access to an HSA-eligible plan and two copay plans. If you reside in Maricopa, Pima, Pinal, or Coconino Counties in Arizona, you also have those same three plans available in a performance (narrow) network.
Which Plan is Right for You?
Our medical plans vary by provider network, how much you pay each paycheck and what you pay when you get care.
Gold (750) POS Plan
This plan has lower out-of-pocket expenses and higher paycheck deductions than the other plans.
- Each covered person has a deductible of $750 with a $1,500 cap for the family.
- This plan has copays for office visits and prescriptions.
- This plan is NOT HSA compatible.
Silver (HSA) Plan
This plan has a lower deductible and out-of-pocket maximum, and higher paycheck deductions than the Bronze (6350) POS Plan.
- If you enroll in employee-only coverage, your deductible is $1,750.
- If you cover your spouse and/or child(ren) on the plan, you have a combined deductible of $3,500.
- The individual deductible does not apply when you cover family members.
This plan is HSA compatible.
- This means the plan meets the requirements to allow participants to contribute to their own tax-free Health Savings Account (HSA).
- Your HSA lets you save pre-tax dollars to pay for your eligible health care expenses anytime, even in retirement.
- Be sure to review the eligibility requirements to see if you are eligible to contribute to an HSA. If not, you can still elect Silver (HSA) POS plan but should not contribute to an HSA.
Bronze (6350) POS Plan
This plan has a much higher deductible and lower paycheck deductions compared to the other two plans.
- Each covered person has a deductible of $6,350 with a cap of $12,700 for the family.
- This plan has office visit copays but prescriptions are subject to the deductible.
This plan is NOT HSA compatible.
For additional information on the Aetna medical plans:
Arizona employees:
https://www.aetnaresource.com/bh/m/BWI-Employee-Benefits-for-AZ-Residents_2025
All other employees:
https://www.aetnaresource.com/m/BWI-Employee-Benefits-for-Non-AZ-Residents_2025
Want to Save on Your Medical Premiums?
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BWH℠ Hotels (BWH) offers three medical plans to employees. Those same plans are offered with a performance (narrow) network for residents of Maricopa, Pinal, Pima, and Coconino Counties.
Performance Network
For residents of Maricopa, Pinal, Pima, and Coconino Counties only
Banner Health and HonorHealth Systems
Lower Premiums than Larger Network
Lab and Urgent Care: Conveniently located, condensed options
All US-based employees
Broadest network of providers
Slightly higher premiums than Performance
Lab and Urgent Care: Broadest network of providers
Provider Caution: Always check with your health care provider to make sure they are in-network with your plan.
Medical Plans Comparison
| Gold Plan (PPO) National and Performance Networks |
Silver Plan (HSA) National and Performance Networks |
Bronze Plan (M.V.) National and Performance Networks |
||||
|---|---|---|---|---|---|---|
| IN-NETWORK | OUT-OF-NETWORK | IN-NETWORK | OUT-OF-NETWORK | IN-NETWORK | OUT-OF-NETWORK | |
| Calendar Year Deductible | ||||||
| Individual | $750 | $5,000 | $1,750** | $1,750** | $6,350 | $10,000 |
| Family | $1,500 | $10,000 | $3,500 | $3,500 | $12,700 | $20,000 |
| Calendar Year Out-of-Pocket Maximum (Includes Deductible) | ||||||
| Individual | $3,500 | $10,000 | $5,000 | $10,000 | $6,350 | $12,700 |
| Family | $7,000 | $20,000 | $10,000 | $20,000 | $12,700 | $25,400 |
| Lifetime Maximum | Unlimited | Unlimited | Unlimited | |||
| You Pay | You Pay | You Pay | ||||
| Coinsurance / Copays | ||||||
| Preventive Care | No charge | 50%* (if covered) | No charge | 50%* (if covered) |
No charge | 50%* (if covered) |
| Primary Care Physician | $25 copay | 50%* | 10%* | 50%* | $40 copay | 50%* |
| Specialist | $50 copay | 50%* | 10%* | 50%* | $80 copay | 50%* |
|
Diagnostics X-Ray and Lab Imaging (CT/PET, MRI) |
20%* | 50%* |
10%*
10%* |
50%*
|
0%* | 50%* |
| Urgent Care | 20%* | 50%* | 10%* | 50%* | 0%* | 50%* |
| Emergency Room | 20%* | $150 Access Fee, then 0%* | 0% * | |||
| Inpatient Hospital Care | 20%* | 50%* | 10%* | 50%* | 0%* | 50%* |
| Outpatient Surgery | 20%* | 50%* | 10%* | 50%* | 0%* | 50%* |
| * After deductible ** Does not apply if dependents are enrolled | ||||||
Prescription Drug Benefits
You are automatically enrolled in prescription drug coverage through Aetna when you enroll in a medical plan. Under the medical plans, you are responsible for paying the cost share of prescription drugs until you meet the maximum out of pocket amounts. Once the maximum out of pocket amount has been met, your prescription drugs are covered at 100%. Approved preventive drugs for conditions like high blood pressure or high cholesterol are covered at 100 percent to help you manage those conditions.
Free Preventive Drugs
If you enroll in one of our medical plans and need to take medicine for conditions like high blood pressure or high cholesterol, those medications are covered at 100 percent.
Mail order
Consider the mail order program for prescriptions you take regularly. You can have your medication delivered to you and eliminate the need to go to the pharmacy.
| Pharmacy | Gold (750) POS Plan | Silver (HSA) POS Plan | Bronze (6350) POS Plan | |||
|---|---|---|---|---|---|---|
| Retail RX (up to 31 day supply) |
IN-NETWORK | OUT-OF-NETWORK | IN-NETWORK | OUT-OF-NETWORK | IN-NETWORK | OUT-OF-NETWORK |
| Tier 1 | $10 | 50%* | 10%* | 50%* | 0%* | 50%* |
| Tier 2 | $35 | 10%* | 0%* | |||
| Tier 3 | $60 | 10%* | 0%* | |||
| Tier 4 | $110 | 20%* | 0%* | |||
| Preventive Drugs | No copay | Not covered | 0%, ded waived | Not covered | 0%, ded waived | Not covered |
| Mail Order RX (up to 90 day supply) | ||||||
| Tier 1 | $25 | Not covered | 10%* | Not covered | 0%* | Not covered |
| Tier 2 | $87.50 | 10%* | 0%* | |||
| Tier 3 | $150 | 10%* | 0%* | |||
| Preventive Drugs | No copay | Not covered | 0%, ded waived | Not covered | 0%, ded waived | Not covered |
| * After deductible | ||||||
Virtual Care Providers
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Instant, virtual appointments are available 24/7, including weekends and holidays. Learn more by visiting BannerAetna.com.
If you are enrolled in the Silver Plan (HSA), your cost is $5. If you are enrolled in the Gold or Bronze Plans, your cost is $0.
Questions:
Contact Aetna Customer Support:
In Arizona: (833) 359-0126
All other locations: (855) 586-6961