Aetna medical plans – U.S.
You have a choice of four medical plans administered by Aetna:
Select Network Plan (multi-tier EPO)
Choice PPO Plan (multi-tier POS)
Enhanced HDHP (multi-tier HSA plan)
Basic HDHP (HSA plan)
3 Rules That Apply to All Four Aetna Plans
No matter which plan you choose, these features are identical:
Free Preventative Care: Annual checkups, routine screenings, and basic immunizations are 100% free if you stay in-network.
The 90-Day Maintenance Rule: If you take regular, ongoing medications (like for blood pressure or asthma), you must fill them in 90-day supplies through CVS mail order, or at a local CVS, Costco, or Kroger. If you get 30-day refills or use a different pharmacy, the plan won't cover them.
Free Health Programs: Every plan gives you free access to specialized programs like Maven (family planning), Hello Heart (cardiac care), Hinge Health (back/neck pain), and Aetna Transform (diabetes).
Understanding the "Two-Tier" Network
Three of the four plans use a multi-tier network system. When you look up a doctor on Aetna's portal, they will be labeled with one of two tags:
Tier 1 (Maximum Savings): These doctors have negotiated the lowest rates. You pay the absolute least out-of-pocket here.
Tier 2 (Standard Savings): A broader network of doctors. Still discounted, but you will pay higher copays or coinsurance than Tier 1.
Good to know: Your spending cross-applies. If you spend $150 at a Tier 1 doctor, it counts toward both your Tier 1 and Tier 2 deductibles at the same time.
If you live in California or Hawaii and you are looking for more information about the Kaiser Permanente Plan, click here.
If you live in Puerto Rico, your health plan is through Triple-S. Learn more about this plan.
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Compare Aetna medical plans
Compare plan deductibles, copays, and coinsurance payments to find the plan that makes the most sense for you and your family.
Select Network Plan (multi-tier EPO) Choice PPO Plan (multi-tier POS) Enhanced HDHP (multi-tier HSA plan) Basic HDHP (HSA plan) Annual Deductible—the amount you pay before the plan starts paying benefits Individual T1/$750 T2/$1,500 T1/$1,000 T2/$2,000 OON/$4,000 T1/$2,000 T2/$4,000 OON/$6,000 INN/$4,000 OON/$6,000 Family T1/$1,500 T2/$3,000 T1/$2,000 T2/$4,000 OON/$8,000 T1/$4,000 T2/$8,000 OON/$12,000 INN/$8,000 OON/$12,000 Annual Out-of-Pocket Maximum—the most you pay annually for all covered health care expenses; after this the plan pays 100% for the rest of the calendar year Individual T1/$3,000 T2/$6,000 T1/$3,000 T2/$6,000 OON/$12,000 T1/$4,000 T2/$8,000 OON/$12,000 INN/$8,000 OON/$12,000 Family T1/$6,000 T2/$12,000 T1/$6,000 T2/$12,000 OON/$24,000 T1/$8,000 T2/$16,000 OON/$24,000 INN/$16,000 OON/$24,000 Coinsurance—how you and the plan share the cost for care after you meet the annual deductible After you meet the deductible, you pay: T1/10% T2/20% T1/20% T2/30% OON/40% T1/20% T2/30% OON/40% INN/30% OON/40% Hospital services Hospital admission T1/Ded & Coinsurance T2/Ded & Coinsurance OON/N/A T1/Ded & Coinsurance T2/Ded & Coinsurance OON/Ded & Coinsurance T1/Ded & Coinsurance T2/Ded & Coinsurance OON/Ded & Coinsurance INN/Ded & Coinsurance OON/Ded & Coinsurance Emergency room T1/$250 T2/$250 OON/N/A T1/Ded & 20% T2/Ded & 20% OON/Ded & 20% T1/Ded & 20% Coinsurance T2/Ded & 20% Coinsurance OON/Ded & 20% Coinsurance INN/Ded & 30% Coinsurance OON/Ded & 30% Coinsurance Outpatient surgery & other facility services T1/Ded + Coinsurance T2/Ded + Coinsurance OON/N/A T1/Ded & Coinsurance T2/Ded & Coinsurance OON/Ded & Coinsurance T1/Ded & Coinsurance T2/Ded & Coinsurance OON/Ded & Coinsurance INN/Ded & Coinsurance OON/Ded & Coinsurance Professional services Primary care office visit T1/$25 copay / Ded & Coinsurance T2/$25 copay / Ded & Coinsurance OON/N/A T1/Ded & Coinsurance T2/Ded & Coinsurance OON/Ded & Coinsurance T1/Ded & Coinsurance T2/Ded & Coinsurance OON/Ded & Coinsurance INN/Ded & Coinsurance OON/Ded & Coinsurance Specialist office visit T1/$40 copay / Ded & Coinsurance T2/$40 copay / Ded & Coinsurance OON/N/A T1/Ded & Coinsurance T2/Ded & Coinsurance OON/Ded & Coinsurance T1/Ded & Coinsurance T2/Ded & Coinsurance OON/Ded & Coinsurance INN/Ded & Coinsurance OON/Ded & Coinsurance Radiology/laboratory/other professional services T1/Ded & Coinsurance T2/Ded & Coinsurance OON/N/A T1/Ded & Coinsurance T2/Ded & Coinsurance OON/Ded & Coinsurance T1/Ded & Coinsurance T2/Ded & Coinsurance OON/Ded & Coinsurance INN/Ded & Coinsurance OON/Ded & Coinsurance How to choose the right plan with EmmaTM
Your virtual benefits assistant, Emma, is available to assist you through the enrollment process. Emma can help you understand your options and make your choices.
Emma is more than just a guide—she is a comprehensive tool designed to ensure you have a great enrollment experience!
Just log in, answer a few questions about your personal situation, and Emma will help you determine which medical plan is right for you.
Visit the Iron Mountain Benefits Center (U.S. and PR) to get started.
Be prepared: Make sure you have handy a list of your preferred providers and medications, as well as those for your spouse/domestic partner and any dependents.
Learn more about two-tier networks
The EPO, PPO, and Enhanced HDHP plans offer a two-tier networks network. The Basic HDHP plan offers benefits under one network only.
The two-tier network gives you more options for saving money by assigning providers into two different tiers. Make sure you understand the benefits of each tier and which category your providers fall under before receiving care.
Tier 1: Maximum Savings – Providers in this tier offer the maximum savings. To save the most money, use these providers whenever possible.
Tier 2: Standard Savings - By offering this broader network, we’re able to give you standard savings on more providers. Using these providers will save you money but not as much as using Tier 1 providers.
These plans are designed to allow you to access the maximum savings network to lower the amount you pay out of your own pocket and also gives you access to the standard savings network option.
The deductible and out of pocket amounts in the table below cross apply toward each other. Example: You enrolled in the Select Network Plan with individual coverage and have an x-ray at ABC Radiology – a Tier 1 provider. They bill Aetna $200, but their contracted rate with Aetna is $150. You have not met your deductible yet, so the $150 you paid out of pocket is applied to your deductible. Since the Tier 1 and Tier 2 deductibles cross apply, you have now met $150 of your $750 Tier 1 deductible and $150 of your $1,500 Tier 2 deductible.
Key terminology
Deductible: The amount you need to pay out of pocket before your plan starts paying benefits.
Coinsurance: The amount you pay for care after you meet your deductible. Coinsurance is generally a percentage of the total cost of care for specific services.
Out-of-pocket maximum: The most you’ll pay in a given year for all covered health care expenses. After you or any other eligible family member pays this amount, your plan pays 100% for the rest of the calendar year. Or, after the family out-of-pocket maximum has been met, the Plan pays 100% for each eligible family member’s expenses.
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Your cost
Please click here to view a chart of your biweekly paycheck cost.
You can also review these FAQs on salary bands.
Salary-based medical rates are based on an employee’s “base” annual salary. This means that the amount you contribute towards your medical insurance from your paycheck may vary depending on your annual base salary. Your base salary as of October will determine your medical premium rate for the following plan year. If hired after October 1, your medical premium rate will be determined by your base salary as of your hire date.
Real Mountaineer stories
A little planning can go a long way. See how two Mountaineers made their Aetna plan work best for their families.
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Prescription drug coverage details
Through our four Aetna medical plans, Iron Mountain provides prescription drug coverage administered by Aetna/CVS. Certain preventive care prescriptions are covered at 100% or are not subject to the deductible. Preventive prescriptions include drugs that help prevent heart attacks, heart disease, high blood pressure, stroke, blood clots, and diabetes.
Compare costs:
Select Network Plan (multi-tier EPO) Choice PPO Plan (multi-tier POS) Enhanced HDHP (multi-tier HSA plan) Basic HDHP (HSA plan) For short-term prescriptions filled at a network retail pharmacy
(CVS, Costco, Kroger and many more chain and independent pharmacy locations) Up to a 30-day supplyGeneric $10 $10 You pay the drug cost up to the plan deductible, then 20%. You pay the drug cost up to the plan deductible, then 30%. Preferred 35% ($45 min, $75 max) 35% ($45 min, $75 max) You pay the drug cost up to the plan deductible, then 20%. You pay the drug cost up to the plan deductible, then 30%. Non‑preferred 35% ($75 min, $100 max) 35% ($75 min, $100 max) You pay the drug cost up to the plan deductible, then 30%. You pay the drug cost up to the plan deductible, then 40%. For long-term maintenance prescriptions filled through the CVS/Caremark Mail Service Pharmacy or at a CVS, Costco or Kroger retail pharmacy
90-day supplyGeneric $20 $20 You pay the drug cost up to the tier 1 plan deductible, then 20%. You pay the drug cost up to the plan deductible, then 20%. Preferred 35% ($112.50 min, $187.50 max) 35% ($112.50 min, $187.50 max) You pay the drug cost up to the tier 1 plan deductible, then 20%. You pay the drug cost up to the plan deductible, then 20%. Non‑preferred 35% ($187.50 min, $250 max) 35% ($187.50 min, $250 max) You pay the drug cost up to the tier 1 plan deductible, then 30%. You pay the drug cost up to the plan deductible, then 30%. Learn more about two-tier networks here and how to find an in-network provider
Save on prescriptions with Maintenance Choice
Maintenance Choice through CVS gives you easy access and cost savings for your maintenance medications like diabetes, high blood pressure and asthma medications.
Specialty medications
To provide a comprehensive, cost-effective prescription drug program for you and your family, Iron Mountain offers the PrudentRx copay program for certain specialty medications used to treat medical conditions like Hepatitis C, autoimmune disorders and and multiple sclerosis. The program is available to Mountaineers and their dependents enrolled in on of our Aetna medical plans.
With PrudentRx, you’ll receive help enrolling in a manufacturer copay assistance program, which will entitle you to a $0 copay for specialty medications covered under the program. If you or your dependents are eligible for the program, PrudentRx will contact you to assist with enrollment. If you do not enroll in the program, you’ll be subject to 30% coinsurance for these medications.
If you’re prescribed a specialty medication used to treat complex, chronic conditions such as cancer, rheumatoid arthritis, HIV and hepatitis C., please reach out to Aetna One Advocate (A1A) for assistance at 888-216-8573.
Prior Authorization and step therapy
Prior Authorization and/or Step Therapy may apply to your medications.
Prior Authorization (PA)
PA makes sure you’re getting the right medication for your condition. It may also help keep your medication affordable. The following are some common reasons PA is needed:
There may be a lower cost option that’s just as effective.
The medication has the potential for misuse or abuse.
The medication is for certain conditions or diagnoses.
Step therapy
Medications that cost more don’t always work better. Many lower-cost medications provide great health benefits and save you money. In fact, you may be paying too much to treat your condition. We want to help you and your doctor choose a lower-cost medication as the first step in treating your health condition. This is called step therapy.
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Get your ID card
Don’t forget! You can download your digital ID card while waiting for your card to arrive in the mail.
Get started:
Your health care ID card information
Member site Electronic card Physical card Aetna* Visit MyAetnaWebsite.com to register for your member website Available within 3 business days of enrollment, 7-10 business days mail time *Timing depends on the day you enroll and the frequency of enrollment files to vendors. Aetna files are sent every weekday. If you have a time-sensitive need for your ID card, contact our Iron Mountain Benefits Center team at 1-877-907-4828, Monday - Friday from 8 am - 9 pm ET.
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Aetna One Advisor (A1A), your personal benefit advisor
Contact Aetna One Advisor (A1A), your personal benefits advisor for help. Advisors can answer questions and help you resolve issues related to all your Iron Mountain benefits, including medical, disability and the 401(k) plan, regardless of whether you are currently enrolled in any plan. Once your advisor is assigned, they stay with you to help you understand and navigate healthcare needs and more.
A1A can help you:
Choose the best medical plan for you and your family
Find the highest quality, lowest cost care providers
Access free preventative services and condition management programs
Find in-network providers, schedule appointments, and coordinate care (including pre-certifications)
Understand prescription drug coverage
Resolve claim issues
Eligibility:
All Mountaineers eligible for an Iron Mountain medical plan administered by Aetna.
Get started:
Contact an advisor by phone or online chat through the Aetna member website. To reach an advisor by phone, call 888-216-8573 Monday through Friday, from 8 am to 8 pm ET.
Note: You can chat with an advisor after you’ve registered on the Aetna member website.
Learn more about Aetna One Advisor (A1A).