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.

2023 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.

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

Key features at a glance

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.

Plan Comparison

UnitedHealthcare Signature Value Advantage HMOUnitedHealthcare Signature Value HMOAetna HDHP In-NetworkAetna HDHP Out-of-Network
 UnitedHealthcare HMO PlansAetna HDHP/PPO Plan
 Signature Value AdvantageSignature ValueIn-NetworkOut-of-Network
Provider NetworkUnitedHealthcare’s Signature Value Advantage NetworkUnitedHealthcare’s Signature Value NetworkAetna Choice POS IIN/A
Plan ProvisionsYou must choose a primary care physician/medical group from: UnitedHealthcare’s Signature Value Advantage NetworkYou must choose a primary care physician/medical group from: UnitedHealthcare’s Signature Value NetworkYou pay less if you choose a provider from the Aetna Choice POS II Network
Your Costs
Preventive Care ServicesNo CostNo CostNo Cost
(deductible waived)
Member pays 30%
Annual Deductible (applicable to medical care and prescription drug benefits)NoneNone$1,500 Per Person
$3,000 Per Family
$1,700 Per Person
$3,400 Per Family
Payment Limit (includes deductible)NoneNone$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
Office Visits$10 Copay Per Visit$25 Copay Per VisitMember Pays 10%Member Pays 30%
Specialist Office Visits$10 Copay Per Visit$40 Copay Per VisitMember Pays 10%Member Pays 30%
Hospital Services$250 Per Admission$250 Per Day, applies to max of 3 days per stayMember 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 SurgeryNo Copay$200 CopayMember Pays 10%Member Pays 30%
Eligibility for Tax Advantage Accounts
HSA EligibleNoNoYes. Getty Contributions:
$750 employee-only. $1,500 employee + 1 or employee + family.
FSA EligibleYesYesNoNo
Limited Purpose FSA EligibleNoNoYesYes
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
2023 Cost For Coverage Per Bi-weekly Paycheck
Employee Only$31.50$89.25$101.85
Employee + One$63.00$281.40$288.75
Employee + Family$94.50$399.00$357.00

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.

Do you have a PCP?

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.


You pay a small fee at the time of service for doctor visits and prescriptions.


Out-of-Pocket Maximum

You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.

Money-saving Tip

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

Make the most of your coverage

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


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.


You pay a small fee at the time of service for doctor visits and prescriptions.


For care that doesn’t charge a copay, such as hospital services, you pay 100% of the costs until you meet the annual deductible.


After meeting the deductible, you and the plan share the cost of certain services, with the plan paying the majority.


Out-of-Pocket Maximum

You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.


Make the most of your coverage

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


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.
Generic vs. Brand
Manage prescriptions

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


Tools & Resources

UnitedHealthcare Resources
  • 24-Hour Nurse: In non-emergency situations, access UHC’s 24-Hour Nurse hotline, where you can speak with an experienced registered nurse about understanding your medications, selecting a network doctor, deciding when to visit a doctor and more.
    Call 866-747-4325 or sign into the UnitedHealthcare website.
  • Behavioral Health: Employees enrolled in a UnitedHealthcare HMO plan receive behavioral health benefits through the HMO. Call 800-999-9585 for more information, or go to Optum Live and Work Well.
  • Chiropractic: UHC makes chiropractic coverage available to you and your eligible dependents through OptumHealth. With this benefit, you have access to more than 3,000 credentialed chiropractors. You are not required to predesignate a participating provider or obtain a referral from your PCP. For covered services, you pay your copayment. There are no deductibles or claim forms to fill out. Office visit co-payment applies. 30 Visit Annual Maximum Benefit. For more information, call Customer Service at 800-624-8822.
  • UHC Health4Me App: Access and manage your benefits easily on your phone with the Health4Me mobile app. You can view your benefits, discover new health and wellness resources and find important contact information if you have questions about your benefits. Download the app on the Apple Store or on Google Play.
Aetna 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.
  • Aetna Nurse Line: Get information when and where you need it. Your Aetna Nurse Line nurse is available 24/7 to answer your health questions and help you get the most out of your medical plan — confidentially and at no cost to you. Your nurse can provide you information about a medical test or procedure, guide you in making smarter health care decisions, help you prepare for a doctor’s visit, and more. Call 800-556-1555 to reach a nurse.
  • 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.

Prescription Tools

Order or refill prescriptions, sign up for mail order, and more.

LiveHealth Online

Seek medical advice from board-certified physicians who are available 24/7, 365 days a year to consult with you over the phone or through live video right from your mobile device or computer. LiveHealth Online physicians can provide fast, convenient diagnosis and treatment for many common conditions. Visit LiveHealth Online or call 888-548-3432 to enroll or learn more.

Health Advocate

Get free, personalized assistance to help you navigate the health care system, from understanding claims to choosing providers and negotiating fees. Available to you and your family members, this service can save you time and money. To take advantage of these services, visit Health Advocate or call 866-799-2728.