Medical

Overview

To support your health and financial wellness, the Getty provides valuable benefits that help you and your family stay healthy and pay for care in the event of illness injury. See our current benefits summary for information.

2024 Medical Plans:

Our benefits program includes medical plan options with a range of coverage levels and costs designed to meet the diverse needs of our employees.

Plan	Description
HMO — Signature Value Advantage Plan and Signature Value Plan Administered by: UnitedHealthcare	A Health Maintenance Organization plan with coverage for in-network care coordinated by your primary care provider. The Getty offers two HMO plans through UnitedHealthcare: the Signature Value Advantage Plan and the Signature Value Plan.
Aetna HDHP/PPO Plan Administered by: Aetna	The Aetna plan is a high-deductible health plan that puts you in charge of your spending with a higher deductible and the option to enroll in a tax-free Health Savings Account (HSA). The plan offers cost sharing after you meet the plan deductible, and has a Preferred Provider Organization network. There are two separate deductibles, one for in-network services and one for out-of-network services. Both deductibles will need to be met whether you utilize an in-network or out-of-network provider. This means that if you meet the deductible with an in-network provider, and then decide to see someone outside the network, the deductible will start over for out-of-network services.
Compare the plans

All our medical plans provide:

Comprehensive, affordable coverage

that fulfills the requirements of the health care reform law.

Free in-network preventive care,

with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.

Prescription drug coverage

included with each medical plan.

Financial protection

through annual out-of-pocket maximums that limit the amount you’ll pay each year.

Get to know your plan

Signature Value Advantage

Signature Value

Aetna HDHP/PPO Plan

Save money

Learn how to be a savvy health care consumer.

Access health resources

Get help from a variety of health care services.

Plan Comparison

	UnitedHealthcare Signature Value Advantage HMO	UnitedHealthcare Signature Value HMO	Aetna HDHP In-Network	Aetna HDHP Out-of-Network
Provider Network	UnitedHealthcare’s Signature Value Advantage Network	UnitedHealthcare’s Signature Value Network	Aetna Choice POS II	N/A
Plan Provisions	You must choose a primary care physician/medical group from: UnitedHealthcare’s Signature Value Advantage Network	You must choose a primary care physician/medical group from: UnitedHealthcare’s Signature Value Network	You pay less if you choose a provider from the Aetna Choice POS II Network
Your Costs
Preventive Care Services	No Cost	No Cost	No Cost (deductible waived)	Member pays 30%
Annual Deductible (applicable to medical care and prescription drug benefits)	None	None	$1,600 Per Person $3,200 Per Family	$1,800 Per Person $3,800 Per Family
Payment Limit (includes deductible)	None	None	$3,300 Per Person $6,850 Per Family	$4,300 Per Person $11,800 Per Family
Annual Out-of-Pocket	$1,500 Per Person $4,500 Per Family	$2,500 Per Person $5,000 Per Family	N/A	N/A
Office Visits	$15 Copay Per Visit	$25 Copay Per Visit	Member Pays 10%	Member Pays 30%
Specialist Office Visits	$15 Copay Per Visit	$40 Copay Per Visit	Member Pays 10%	Member Pays 30%
Hospital Services	$250 Per Admission	$250 Per Day, applies to max of 3 days per stay	Member Pays 10%	Member Pays 30%
Emergency Room Visits	$100 Copay (waived if admitted)	$150 Copay (waived if admitted)	Member Pays 10%	Member Pays 30%
Out-Patient Surgery	No Copay	$200 Copay	Member Pays 10%	Member Pays 30%
Eligibility for Tax Advantage Accounts
HSA Eligible	No	No	Yes. Getty Contributions: $750 employee-only. $1,500 employee + 1 or employee + family.
FSA Eligible	Yes	Yes	No	No
Limited Purpose FSA Eligible	No	No	Yes	Yes
Retail Prescriptions (your cost for a 30-day supply)
Generic Preventive Medications	$0 Copay	$0 Copay	$0 Copay
Generic	$15 Copay	$15 Copay	$15 Copay
Brand-Name Formulary	$35 Copay	$35 Copay	$35 Copay
Non-Formulary	$50 Copay	$50 Copay	$50 Copay
Mail Order Prescriptions (your cost for a 90-day supply)
Generic	$30 Copay	$30 Copay	$30 Copay
Brand-Name Formulary	$70 Copay	$70 Copay	$70 Copay
Non-Formulary	$100 Copay	$100 Copay	$100 Copay
2024 Cost For Coverage Per Bi-weekly Paycheck
Employee Only	$34.65	$98.18	$112.04
Employee + One	$69.30	$309.54	$317.62
Employee + Family	$103.95	$438.90	$392.70

Coverage information is subject to change. In the event of a conflict between this information and the insurance contract, the terms of the contract will prevail.

UnitedHealthcare HMO Plans

The UnitedHealthcare HMO Plans — Signature Value Advantage and Signature Value — provide coverage only when you receive care from providers within the HMO network. Your Primary Care Provider (PCP) will coordinate your care.

Your Primary Care Provider (PCP) will manage your care and provide referrals if you need to see a specialist. Find a Doctor.

How it works

You pay nothing for in-network preventive care — it’s covered in full.

Make the most of your coverage

Take advantage of these resources to manage your care and your costs.

Use health tools Save money Learn about FSAs Manage your FSA

Aetna HDHP/PPO Plan

The HDHP is high-deductible medical coverage with a tax-free Health Savings Account (HSA) that helps you save up for future expenses. You may choose any in-network or out-of-network provider each time you receive care. But keep in mind: You will generally pay less when you use in-network providers.

How the PPO works

You pay the plan premium from your paycheck to have coverage.

Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.

Make the most of your coverage

Take advantage of these resources to manage your care and your costs.

Use health tools Save money Learn about HSA Manage your HSA

Prescription Drugs

When you enroll in one of the Getty’s medical plans, you automatically receive prescription drug benefits through your medical plan.

The cost of your prescription drugs depends on the tier of the medication:

Generic — Contain the same active ingredients as their brand-name equivalents and meet the same federal standards for safety, but typically cost significantly less.
Brand-Name Formulary — Prescription medications which are included in the formulary at a higher cost than generic.
Non-Formulary — Prescription medications not on a prescription plan's formulary may be covered but at the highest cost to you.

Mail order

For ongoing maintenance medication, you can take advantage of the convenience and cost savings of using the mail order program.

Why use mail order:

Prescriptions are shipped to you for free — no waiting in line at the pharmacy.
You save money with a reduced cost for a three-month supply.
You can set up automatic refills.

Launch interactive widget.

Manage prescriptions

Start or refill a mail order prescription, compare costs, and more:

Aetna

UnitedHealthcare

Review coverage

See your costs for different drug tiers.

Access health resources

Get help from a variety of health care services.

Tools & Resources

Aetna Doctor Search: Locate a doctor or facility through Aetna’s DocFind® Online Directory. DocFind is updated six times a week — however, whether a specific physician or group is accepting new patients cannot be guaranteed. To locate in-network providers, go to the Aetna directory of health care professionals. Select your Provider Type, e.g., Doctors (Primary Care), Behavioral Health Professionals, and enter the geographic area. Go to Aetna Open Access Plans® and select Aetna Open Choice POS II (Open Access).
Aetna Navigator: Aetna members get tools and resources to help you manage your health and benefits. All of your health benefits, health insurance plan information and cost-savings tools are in one place — your Aetna Navigator member website. When you sign up and use it, you’re not just a member, you’re a navigator.
Member Payment Estimator: The estimator tool lets you compare costs for up to ten network doctors or facilities at one time. You can even get estimates for services from doctors who are not in the network. Choose a medical service and enter a ZIP code. You’ll see the average charge. Understanding what doctors and facilities charge for the same service, in the same geographic area, can help you save and still find quality care. Register or log in at the Aetna website.
Mobile App: It’s great to know you can use your cell phone with web access to view your health plan information — whenever you want, wherever you are, with Aetna Mobile. The Aetna Mobile app is available for iPhone® and AndroidTM mobile devices. Use a different smartphone or mobile device? Instead of loading an app, just visit Aetna, and use the mobile web version of the site.
Urgent Care/Walk-in Clinics: If you have an urgent, but non-life-threatening medical issue your local urgent care center may be an effective treatment option and an affordable and more convenient alternative to the ER. Many urgent care centers are open seven days a week — even nights, weekends and holidays — with no appointment necessary. With over 3,000 of these centers to choose from, you’re sure to find one near you.
Get familiar with the urgent care and walk-in clinics in your neighborhood before you need them. Here’s how:
1. Visit Aetna.
2. Click on “Find a Doctor.”
3. Select “Urgent Care Facilities” or “Walk-In Clinics.”

If your medical need is more than urgent — for example, characterized by chest pain, trouble breathing, bad bleeding or other symptoms that are serious or put your life at risk — you should go straight to your local ER.