Current benefits
medical aetna select EPO Employee only pretax 32.00
Delta dental basic employee only 15.71
Vision employee only pretax 2.76
Basic life and AD&D employer paid salary multiple 1 coverage amount 50,000.00
Supplemental life supplemental life waive
Voluntary ltd Ltd waive voluntary
Medical — Aetna Select EPO
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Employee only, pretax: $32.00 per pay period
→ You’re enrolled in Aetna Select EPO medical insurance (an “Exclusive Provider Organization”). -
You can use any doctor or hospital within the Aetna network only (no out-of-network coverage except for emergencies).
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Your share of the premium is $32 per paycheck, taken out before taxes (so it reduces your taxable income).
Dental — Delta Dental Basic
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Employee only: $15.71 per pay period
→ You’re enrolled in a basic dental plan for yourself only. -
Covers preventive services (cleanings, X-rays) and some basic restorative care.
-
Premium cost is $15.71 per paycheck (typically pretax).
Vision — Employee Only
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Pretax: $2.76 per pay period
→ You have a vision plan covering just yourself. -
Usually includes eye exams, glasses or contacts discounts, and lens options.
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Cost is $2.76 per paycheck, taken pretax.
Basic Life and AD&D (Accidental Death & Dismemberment)
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Employer paid
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Coverage amount: $50,000 (1× salary multiple)
→ Your employer pays for this benefit — you don’t contribute. -
If you pass away, your beneficiary receives $50,000.
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AD&D also pays if you suffer certain serious injuries (e.g., loss of limb or eyesight).
oluntary LTD (Long-Term Disability)
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Waived
→ You opted not to enroll in long-term disability insurance. -
If you became unable to work for a long period (due to illness/injury), LTD would normally replace a portion of your income (often ~60%).
-
Since you waived it, you would not have that income protection if you became disabled.
Summary Table
| Benefit | Type | Coverage | Cost (per pay period) | Notes |
|---|---|---|---|---|
| Medical | Aetna Select EPO | Employee Only | $32.00 | Pretax, network-only coverage |
| Dental | Delta Dental Basic | Employee Only | $15.71 | Preventive/basic dental |
| Vision | Vision Plan | Employee Only | $2.76 | Eye exam + eyewear coverage |
| Life & AD&D | Employer Paid | $50,000 | $0.00 | Free through employer |
| Supplemental Life | Waived | N/A | — | Not enrolled |
| Long-Term Disability | Waived | N/A | — | Not enrolled |
Aetna Select EPO medical plan compares with your other current coverages (dental, vision) and what you might expect from other provider types (PPO, HDHP, HMO, etc.).
1. Your Current Medical Plan: Aetna Select EPO
Key Features
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EPO (Exclusive Provider Organization):
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You must use in-network doctors/hospitals (except in emergencies).
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No referrals needed for specialists (unlike HMOs).
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Offers lower monthly premiums than PPOs, but less flexibility.
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Cost: $32.00 per paycheck (pretax, employee-only).
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Coverage: Comprehensive — includes preventive care, doctor visits, labs, hospitalizations, prescriptions, etc.
Pros
✅ Lower premium cost
✅ No referrals required
✅ Predictable copays for in-network services
✅ Simple, streamlined care within one network
Cons
❌ No out-of-network coverage (except emergencies)
❌ Less flexibility if you travel or see providers outside the network
Delta Dental Basic
Type
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Traditional PPO-style dental plan (most Delta plans are PPOs).
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Allows both in-network and out-of-network dentists, though out-of-network costs more.
Coverage Highlights
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Preventive: Usually 100% covered (cleanings, exams, X-rays)
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Basic: 70–80% (fillings, extractions)
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Major: 50% (crowns, dentures)
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Orthodontia usually not included in “basic” plans.
Cost: $15.71 per paycheck
✅ Much cheaper than medical
✅ Helps avoid large bills for routine care
❌ Doesn’t cover complex procedures fully
👓 3. Vision Plan
Type
-
Usually administered by EyeMed or VSP networks.
-
Covers annual exam and partial coverage for frames, lenses, or contacts.
Cost: $2.76 per paycheck
✅ Very low-cost add-on
✅ Discounts on eyewear and exams
❌ Limited benefit — mostly preventive
⚖️ 4. Comparison With Other Medical Plan Types
| Plan Type | Flexibility | Cost | Out-of-Network | HSA Eligible | Typical Employer Offer |
|---|---|---|---|---|---|
| EPO (your plan) | Medium | 💰 Low–Moderate | ❌ No | ❌ No | Aetna, Cigna, BCBS |
| HMO | Low | 💰 Low | ❌ No | ❌ No | Kaiser, Aetna |
| PPO | High | 💰💰 High | ✅ Yes | ❌ No | BCBS, UnitedHealthcare |
| HDHP (High-Deductible Health Plan) | High | 💰 Low premium, high deductible | ✅ Yes | ✅ Yes (HSA) | Aetna, Cigna, BCBS |
| POS (Point of Service) | Medium | 💰💰 Moderate | ✅ Partial | ❌ No | BCBS, UnitedHealthcare |
Example Cost Ranges (Employee Only)
| Plan Type | Approx. Monthly Premium | Typical Deductible |
|---|---|---|
| EPO | $64 | $500–$1,000 |
| PPO | $100–$180 | $1,000–$2,000 |
| HDHP | $40–$80 | $2,000–$3,500 |
| HMO | $50–$100 | $500–$1,000 |
💡 5. Overall Value Summary
| Category | Plan | Strength | Limitation |
|---|---|---|---|
| Medical | Aetna Select EPO | Balanced, low cost, predictable copays | No out-of-network coverage |
| Dental | Delta Dental Basic | Great preventive coverage | Limited for major work |
| Vision | Vision Plan | Cheap and useful if you wear glasses/contacts | Minimal otherwise |
| Life Insurance | Employer-paid | Free $50K coverage | You waived extra protection |
| LTD | Waived | None | No income protection if disabled |
Would you like me to show a side-by-side comparison of Aetna EPO vs PPO or HDHP (including estimated annual costs and deductible differences)? That can help you decide if switching plans during open enrollment might save you money or give more flexibility.
Medical / Insurance Terms
| Acronym | Full Name | What It Means |
|---|---|---|
| EPO | Exclusive Provider Organization | A health plan that only covers care from in-network providers (except emergencies). No referrals needed. Lower premiums than PPOs but less flexibility. |
| PPO | Preferred Provider Organization | Lets you see both in- and out-of-network providers. You don’t need referrals, but you pay more if you go out of network. |
| HMO | Health Maintenance Organization | Requires you to use in-network providers and get referrals from a primary care doctor. Usually has the lowest premiums. |
| HDHP | High-Deductible Health Plan | A plan with a higher deductible and lower premium; can be paired with a Health Savings Account (HSA). |
| POS | Point of Service | Hybrid plan where you choose a primary doctor (like HMO) but can go out of network for higher cost (like PPO). |
| HSA | Health Savings Account | A tax-free account you can use to pay for qualified medical expenses if you’re enrolled in an HDHP. |
| FSA | Flexible Spending Account | A pre-tax account for medical, dental, or vision costs (must spend funds by year-end or lose them). |
Coverage & Life Insurance Terms
| Acronym | Full Name | What It Means |
|---|---|---|
| AD&D | Accidental Death and Dismemberment | Pays a benefit if you die or are seriously injured (e.g., lose a limb) due to an accident. |
| LTD | Long-Term Disability | Provides partial income (usually ~60%) if you can’t work for a long time due to illness/injury. |
| STD | Short-Term Disability | Provides partial income for short absences (often up to 3–6 months). |
| Basic Life | — | Employer-paid life insurance coverage (yours is $50,000). |
| Supplemental Life | — | Optional extra life insurance you can buy at your own cost (you waived this). |
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