1. 2018 Medical Plans Comparison Tools and Resources
Marist College offers the choice of two Aetna medical plans, both of which are similar to the plan design offered prior to The choice of two plans versus “one size fits all” lets you decide which plan is best for you and your family.
Decision tools and resources are provided in this Comparison Tools and Resources guide.
Updated Nov

2. IN-Network Services Comparison-2018 Prescription Plan Design
This snapshot is provided as a high level comparison of in-network member cost share under the Marist Plans. Before making your plan choice, you should refer to your Plan Summaries, Aetna Plan Selection & Estimator Tool, and Advocacy Services.
Marist Care Legacy Plan
Marist Care Plan
IN-Network Services Comparison-2018
Preventive care $0 0%
Deductible
$1,000
Coinsurance
10% after deductible
Annual out-of-pocket maximum
$1,500
$2,000
Office visit **
$15.00
$30.00 **
Specialist office visit **
$25.00
$45.00 **
Prescription drugs
CVS Copays
Urgent care
$35.00
$50.00 **
Hospital Admission
$100
Emergency room
$ **
X-rays *, complex imaging
* If performed as a part of a physician office visit and billed by the physician, expenses are covered subject to the applicable physician's office visit member cost sharing.
** Claim cost include preventive and copay based services which would not be subject to the deductible.
Prescription Plan Design
Rx Tier
In-Network Only
Marist Care Legacy
Marist Care
Retail Generic
$10
Brand Formulary
$25
Retail Non-Formulary
$50
Retail Specialty
Mail Retail Generic (90-day)
$20
Mail Brand Formulary (90-day)
Mail Retail Non-Formulary (90-day)
Mail Retail Specialty (90-day)
Plan Comparison Snapshot
Important Terms
Deductible
This is fixed dollar amount which must be satisfied before Aetna will pay for certain services (applies only to non-copay based services).
Coinsurance
A dollar amount as a stated percentage of allowable charges that you pay after deductible is met. Applies to non-copay based services.
Out-Of-Pocket Maximum
The most a member pays in a plan year before Aetna begins to pay 100% of allowed amounts (This maximum payment limit includes deductible, coinsurance, and copay amounts).
Notice
This high level snapshot comparison depicts basic differences between two offered medical plans. This displays in-network member responsibility. “Employee-only” cost sharing limits are represented in this example.
For information on “Employee+Child(ren)” and other tier limits, and out-of-network cost sharing details, carefully review the Plan Summaries above. Because medical costs vary by health care professional and facility and because not every detail of each health plan is factored into the snapshot, your actual costs may vary from the results presented here.

3. Double-Click the icons to open
Plan Summaries
Double-Click the icons to open
Marist Care
Marist Care Legacy

4. Aetna Plan Selection & Cost Estimator Tool
Trying to decide on a plan? Use Aetna’s Plan Selection & Cost Estimator Tool. It’s a quick and easy way to get a side-by-side Marist plan comparison of your estimated annual healthcare costs:
To start, please copy this link and paste it into your browser:
Then Click “Continue”

5. Aetna Plan Selection & Cost Estimator Tool
Trying to decide on a plan? Use Aetna’s Plan Selection & Cost Estimator Tool. It’s a quick and easy way to get a side-by-side Marist plan comparison of your estimated annual healthcare costs:
You can either click “Continue to the Tool” as a guest,
or login using your Aetna.com user credentials for a more personalized experience.
Read the message. Click “Continue” again.

6. Aetna Plan Selection & Cost Estimator Tool
Populate the information for yourself and any spouse or dependents you are considering enrolling. As you continue, you can add any planned office visits, hospitalizations, or other plan utilization that is known for the upcoming year.

7. Aetna Plan Selection & Cost Estimator Tool
Click both
Compare
Click the selection boxes for both Marist plans. Amounts will populate for you depending on your previous responses. You can add another plan to compare, such as a spouse’s plan for which you may be eligible.
Then click “Compare”.

8. Aetna Plan Selection & Cost Estimator Tool
Your Estimates
Based on your entries, your results will give you an idea of how your total annual costs compare among plans. Click “Start Over” to change anticipated plan utilization to get a different result. For example, if you didn’t add hospitalization, complex imaging, or other services, add them in this time. See what your costs might look like then.

9. Resources For You: Advocacy Services
Representatives of Advocacy Services are familiar with the Marist plans, and await your call for help if you need it. For over 2 years, Advocacy Services representatives have been providing help to Marist employees by resolving claim discrepancies, guiding members who may need help finding in-network providers, and contacting Aetna on behalf of members.
Advocacy Services can help you decide which plan you should choose.
Phone:
Click below for more details on how Advocacy Services can help you now and in the future.
Advocacy...Get the Help You Need

10. Resources For You: The Marist Benefits Team
Ask us….We’re here to help!
Get help from a Marist benefits team member via or phone.
They can help by giving examples of what your member cost share would be; comparing your cost for a medical service on one plan versus another.
Phone:
We can also help you enroll online. Making an appointment is preferred but not necessary.