Medical

To support your health and overall well-being, Huber provides valuable benefits that help you and your family stay well and access care when you need it.

Overview

Huber offers you a choice of three Aetna medical plans with a range of coverage levels and costs, to provide you with the flexibility to select the best option for you and your family.

You can enroll as a new hire, during Annual Enrollment, or if you have a qualified life status event. To see your employee contributions and enroll, log in to COMPASS (or visit COMPASS through single sign-on access when inside the Huber Network if you have already registered.

2024 medical plans

If you don’t enroll as a new employee or if you have waived coverage in the past and do not take action during Annual Enrollment, you will automatically default to “No Coverage” and will not receive any money back. In order to enroll in a medical plan or receive money back for opting out, you must take action.

All our medical plans provide:

Comprehensive, affordable coverage

for a wide range of health care services. Tip: If you need extra protection from large or unexpected medical expenses, you may also choose to enroll in supplemental medical coverage.

Flexibility to see any provider

you want, although you’ll save money when you use Aetna’s nationwide network of health care providers.

Free in-network preventive care,

with services such as annual physicals, immunizations, flu shots, well-woman and well-child exams, and routine cancer screenings covered at 100%.

Telehealth services

through Teladoc, so you can have access to convenient medical, dermatology, and behavioral health care without leaving the comfort of home.

Prescription drug coverage

included with each medical plan through Express Scripts. You also have access to the Rx Savings Solutions Tool to help you save money on prescriptions. Learn more.

Financial protection

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

Get to know your plan

Save money

Use these tips to reduce your health care costs.

Access health resources

Get support from a variety of programs and services.

Plan Comparison

Medical coverage details

	Core	Choice I	Choice II
HSA features
HSA-eligible	No	Yes	Yes
Company funding to HSA*	No	$600 single $1,200 family	$600 single $1,200 family
Annual deductible (single/family)
In-network	$300/$900	$1,800/$3,600	$3,300/$6,600
Out-of-network	$750/$2,250	$3,300/$6,600	$4,800/$9,600
Coinsurance
In-network	You pay 20%, plan plays 80%	You pay 20%, plan plays 80%	You pay 20%, plan plays 80%
Out-of-network	You pay 40%, plan pays 60%	You pay 40%, plan pays 60%	You pay 40%, plan pays 60%
Annual out-of-pocket maximum (single/family)
In-network	$2,500/$5,000	$3,400/$6,800	$4,000/$8,000
Out-of-network	$5,000/$10,000	$6,800/$13,600	$6,800/$13,600

*If your coverage is effective July 1 through November 30, Huber will contribute $300 for employee-only coverage or $600 if you cover dependents.

Prescription coverage details

	Core	Choice I & Choice II
Retail Prescriptions (up to 30-day supply)
Generic
In-network	$10	Deductible then 20%*
Out-of-network	100% of the in-network cost minus copay	Deductible then 40%*
Formulary Brand
In-network	$30 + cost difference from generic	Deductible then 20%*
Out-of-network	100% of the in-network cost minus copay	Deductible then 40%*
Nonformulary Brand
In-network	$50 + cost difference from generic	Deductible then 20%*
Out-of-network	100% of the in-network cost minus copay	Deductible then 40%*
Home Delivery Prescriptions (up to 90-day supply)
Generic
In-network	$25	Deductible then 20%*
Out-of-network	100% of the in-network cost minus copay	Deductible then 40%*
Formulary Brand
In-network	$75 + cost difference from generic	Deductible then 20%*
Out-of-network	100% of the in-network cost minus copay	Deductible then 40%*
Nonformulary Brand
In-network	$125 + cost difference from generic	Deductible then 20%*
Out-of-network	100% of the in-network cost minus copay	Deductible then 40%*

*Under the Choice I & Choice II options, certain preventive medications can be filled without satisfying the deductible; coinsurance will apply. You must have an authorized prescription and it must be filled at the Express Scripts pharmacy or an in-network retail pharmacy.

Which plan is right for you?

Choosing the right medical option for you and your covered family members is an important and personal decision involving cost and other factors. Here are some considerations to think about:

Do you want to:	Core	Choice I or Choice II
Pay less from your paycheck even if that means a higher deductible to meet when you need care?
Save for future health care costs by opening and contributing to a tax-free HSA that you own for life and never forfeit any unused balance?
Keep your paycheck costs and out-of-pocket costs more balanced?

Cost of coverage

The 2024 costs shown below represent the bi-weekly employee contributions you pay from your paycheck.

Plan and Coverage Level	Wellness Credit	No Wellness Credit
Core
Employee only	$61.18	$88.88
Employee + spouse	$132.78	$188.16
Employee + child(ren)	$112.28	$139.97
Family	$207.21	$290.28
Choice I
Employee only	$36.11	$63.80
Employee + spouse	$85.47	$140.85
Employee + child(ren)	$71.59	$99.28
Family	$134.83	$217.90
Choice II
Employee only	$9.46	$37.15
Employee + spouse	$35.48	$90.87
Employee + child(ren)	$23.65	$51.35
Family	$59.13	$142.21
Opt-out*	$23.08 bi-weekly cash back

*If you have the Medical and/or Dental opt-out and do not actively enroll during Annual Enrollment, the opt-out will carry over to 2024.

Scenarios to help you choose

The following scenarios are intended to help you compare your potential out-of-pocket costs with the three medical plan options: Core, Choice I and Choice II. You can use these scenarios as a guide to decide which plan may be right for you by choosing a profile that most closely matches your situation and healthcare needs for 2024 and seeing which option offers the lowest total annual cost.

Lauren: Employee-only coverage and low healthcare needs

Meet Lauren:

28-years-old, single, and has been with Huber for four years as a full-time employee.
Has two sick visits with her doctor and filled two prescriptions.

	Core	Choice I	Choice II
Annual Paycheck employee contribution – Single Coverage*	$1,591	$939	$246
HSA Funding	N/A	($600)	($600)
Out-of-Pocket Costs (free well visit, 2 office visits, 2 prescriptions)	$232	$747	$747
Total (Annual Contributions + HSA + OOP)	$1,823	$1,086	$393

The Choice II Plan would be the best option for Lauren.

*Includes employee contribution wellness credit for confirming tobacco-free status.

Vincent: Employee + spouse coverage and moderate healthcare needs

Meet Vincent:

56-years-old, married, and has been with Huber for 25 years as a full-time employee.
Recently hurt his knee while hiking and had knee replacement surgery. He also sees the doctor four times a year to manage his blood pressure.
His spouse, Alex, who does not have access to health coverage elsewhere, is healthy overall, but visited the doctor for bronchitis and received three prescriptions, which was in addition to his annual doctor visit.

	Core	Choice I	Choice II
Annual Paycheck employee contribution – Employee + Spouse Coverage*	$3,452	$2,222	$923
HSA Funding	N/A	($1,200)	($1,200)
Out-of-Pocket Costs (10 office visits, 10 retail prescriptions, 1 outpatient surgery, and 1 hospital stay)	$1,996	$4,917	$7,317
Total (Annual Contributions + HSA + OOP)	$5,448	$5,939	$7,040

The Core Plan would be the best option for Vincent.

*Includes employee contribution wellness credit for confirming tobacco-free status.

Jason: Employee + family coverage with slightly higher healthcare needs

Meet Jason:

43-years-old, married with one child, and has been with Huber for eight years as a full-time employee.
Recently had a chest cold and visited the doctor who filled two prescriptions.
Earlier in the year, he went to the emergency room after having some chest pain. And, recently, Jason’s daughter Allie was diagnosed with asthma after two trips to the emergency room.
Allie also had five visits with the doctor, and was given two prescriptions to help keep her asthma under control.
In addition, Jason’s spouse, Monica, who does not have access to health coverage elsewhere, has had two sick visits with her doctor and filled two prescriptions during the plan year.

	Core	Choice I	Choice II
Annual Paycheck employee contribution – Employee + Family Coverage*	$5,387	$3,506	$1,538
HSA Funding	N/A	($1,200)	($1,200)
Out-of-Pocket Costs (8 office visits, 6 retail prescriptions, 3 ER visits, and 2 X-rays)	$2,397	$5,105	$7,505
Total (Annual Contributions + HSA + OOP)	$7,784	$7,411	$7,843

The Choice I Plan would be the best option for Jason.

*Includes employee contribution wellness credit for confirming tobacco-free status.

Note: The costs for healthcare services shown in the examples above are for illustrative purposes only. Actual costs will vary by geographic region, physicians’ fees, and specific types of services provided. The costs also assume that you remain covered as an active, tobacco-free, benefit-eligible employee for the entire 2024 plan year and use in-network services throughout the year.

Core (PPO)

With the Core plan, you pay higher employee contributions from your paycheck to have a lower deductible and out-of-pocket maximum, which keeps your out-of-pocket costs down. You can see any provider you wish, but you will pay less when you stay in network.

This plan is compatible with a Health Care Flexible Spending Account (FSA), which allows you to contribute pre-tax money from your paycheck and then use those tax-free funds to pay for eligible health care expenses. Keep in mind, an FSA is a “use it or lose it” account, which means you cannot carry over any unused balance after the end of the plan year and grace period.

You pay the plan employee contributions from your paycheck to have coverage.

Preventive Care

Your preventive care is free when you see in-network doctors — you pay nothing!

Deductible

You pay 100% of your non-preventive medical costs until you meet the annual deductible.

Coinsurance

After meeting the deductible, you and the plan share the cost of covered medical care, 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.

Choice I and Choice II (HDHP)

The Choice I and Choice II plans pair low-employee contribution, high-deductible coverage with a tax-free Health Savings Account (HSA) that helps you save money and plan ahead for future medical expenses. This combination gives you more control over your money and rewards you for making healthy, cost-conscious choices.

As an added bonus, Huber will contribute to your HSA — $600 for employee-only coverage or $1,200 if you cover dependents.

The Choice I and Choice II plans work the same, but help you manage your costs differently:

If you want to keep your paycheck costs as low as possible: Choice II costs you less in paycheck employee contributions in exchange for a higher deductible and out-of-pocket maximum.
If you want to lower your out-of-pocket costs: Choice I costs you more from your paycheck in exchange for a lower deductible and out-of-pocket maximum, while still having access to an HSA. (Keep in mind: The Core plan has the lowest out-of-pocket costs and highest paycheck employee contributions of all of Huber’s medical plan options; however, you are not eligible for an HSA with the Core plan.)

With the Choice I and Choice II plans, you can see any provider you wish, but you will pay less when you stay in network.

You pay the plan employee contributions from your paycheck to have coverage.

Preventive Care

Your preventive care is free when you see in-network doctors — you pay nothing!

Deductible

You pay 100% of your non-preventive medical costs until you meet the annual deductible.*

Coinsurance

After meeting the deductible, you and the plan share the cost of covered medical care and prescriptions, 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.**

Prescription Coverage

When you enroll in a Huber medical plan, you automatically receive prescription drug benefits through Express Scripts.

Drug tiers

The cost of your prescription drugs under each medical plan depends on the tier of the medication — generic, formulary brand, or nonformulary brand. The formulary is a list of preferred drugs based on effectiveness and cost.

As a part of our preventive care coverage, there is also a list of drugs that are covered before you meet your deductible in the Choice I and Choice II plans. For most prescription drugs, your cost share (coinsurance) will apply, but depending on the drug, some may be covered at 100%.

Review the Express Scripts Formulary list to determine if your or a family member’s prescriptions are covered.

Preventive drugs

Medications that have been determined to potentially prevent the onset or recurrence of a disease or condition.

You pay: $0 – $

Generic drugs

Same active ingredients as brand-name equivalents and meet the same standards for quality and effectiveness, but usually cost much less.

You pay: $

Formulary brand drugs

Brand-name medications included on the formulary and favored by your prescription carrier.

You pay: $$

Nonformulary brand drugs

Brand-name medications not preferred by your carrier. They may still be covered, but may require prior authorization and cost more.

You pay: $$$

The cost of prescription drugs is rising faster than many other health care services and supplies. But, there are ways for you to save.

Ask your doctor about generic medications.

Generic medications are generally just as effective as brand-name medications, but they typically cost between 80% and 85% less.

Use the Express Scripts interactive tool.

You can price a medication, find out what medications are covered, locate a pharmacy, and more.

Receive your long-term medication through home delivery.

If you take a maintenance medication to treat a chronic condition — such as an allergy, heart disease, high blood pressure, or diabetes — the convenience and cost savings of the home delivery prescription program through Express Scripts will save you time and money.

Take advantage of the Rx Savings Solutions program.

This program works in conjunction with your prescription coverage to help you find the best price for your prescription medication. You can also sign up to receive alerts when there’s an opportunity to save money on your current prescriptions. Learn more and activate your free account. For questions, call 1-800-268-4476 or email support@rxsavingssolutions.com.

Use SaveonSP to pay $0 for certain specialty medications (only available with the Core plan)

If you’re enrolled in the Core plan and take a medication on the Non-Essential Health Benefit Specialty Drug list, you may be eligible to pay a zero-dollar copay for your prescription. If this program applies to you, SaveonSP will reach out to you directly with more information and explain how to enroll.

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 (90 days).
You can set up automatic refills.

Find a Doctor

Using Aetna’s in-network providers saves you money. Here’s how to find doctors in your medical plan network.

Visit the Aetna website.
Click on “Find a Doctor” in the top horizontal menu bar.
If you’re already a member, log in to find a doctor or pharmacy in your plan’s network.
If want to search as a guest, click on “Plan from an employer.”
Under “Continue as a guest,” enter your home ZIP code and desired search radius.
Under “Select a Plan,” type or select “Aetna Choice® POS II (Open Access).”
Enter the name or type of provider you’re searching for OR find what you need by category.

Huber has added a travel and lodging reimbursement benefit (up to $10,000 per year) through your Aetna medical plan, for all covered services where no in-network provider is available within 100 miles of your residence. Contact 866-276-1820 for more details.

Teladoc – General Medical

Through your Aetna medical plan, you can take advantage of convenient telehealth services provided by Teladoc. Teladoc offers you 24/7 access to board-certified doctors by phone or video, giving you fast, quality care from wherever you are. Teladoc doctors can diagnose, treat, and prescribe medication when needed for many common conditions, such as:

Sore throat, fever, rash
Headache, cold and flu, acne
Stomachache, allergies, UTIs, and more

You can also schedule behavioral health and dermatology appointments through Teladoc.

Teladoc is a cost-effective alternative to the ER and urgent care. In some cases, it may also be less expensive than your primary care physician. A Teladoc virtual visit costs $49 until your deductible is met, and then coinsurance would apply.

Download the Aetna Health app
Visit the Teladoc website
Call 1-855-TELADOC (835-2362)

Consider Teladoc when:

You don’t feel up to going to the doctor’s office.
You can’t get to your doctor because you’re traveling or it’s after hours (nights, weekends, holidays).
You want the convenience of a virtual medical, dermatology, or behavioral health consultation from the privacy and comfort of your home.

The federal Transparency in Coverage Rules require certain group health plans to publicly disclose price and cost-sharing information. This information includes in-network provider rates as well as historical out-of-network allowed amounts and billed charges for covered items and services, which is to be shared via two separate machine-readable files (MRFs). The machine-readable files are formatted to allow researchers, regulators and application developers to more easily access and analyze data. The MRFs for Huber’s medical plan carrier can be found below:

Aetna - Machine Readable Files (MRFs)

Medical

Overview

2024 medical plans

Core

Choice I

Choice II

Medical Opt-Out

What if you don’t make any medical plan election?

Key features at a glance