As part of SCAN’s ongoing strategy to continuously provide a robust benefits program, 2025 changes have been made to our 2025 coverage options. SCAN has made the decision to keep employee contributions for medical, dental, and vision the same for 2025 and will be absorbing cost of increased premiums.
Click here to view 2025 Contribution Rates.
| Program | What’s Changing in 2025 |
|---|---|
| Attestation | Employees must attest they are not covered under any other medical, dental, and/or vision plan to enroll in SCAN’s plan; violations may lead to disciplinary action, including termination. |
| Medical | There are slight changes to medical plan designs to ensure quality of coverage while maintaining sustainable costs for the organization. Deductibles, copayments, and annual out-of-pocket maximums will increase. There will be expanded access to artificial insemination for all plans. For additional details on all changes to plan benefits, please be sure to carefully review the plan comparison table and benefit summaries in UKG. |
| Behavioral Health |
Aetna EAP and Headspace will be replaced by Modern Health, a mental wellness platform that provides personalized resources, services, and tools to support your emotional well-being — benefits include:
|
| Life and AD&D Insurance |
Prudential will replace Hartford as our life and AD&D insurance provider. There will be no changes to your coverage.
|
| Disability Insurance |
Prudential will replace Hartford as our disability insurance provider. There will be no changes to your coverage. |
| Health Savings Account (HSA) |
HSA contribution limits will increase to $4,300 for employee-only coverage and $8,550 if you cover dependents. |
| Flexible Spending Accounts |
The Health Care and Limited Purpose FSA contribution limit is $3,300. There are no changes to the Dependent Care FSA contribution limit. |
| Dental |
There will be no changes to premiums in 2025. The following provisions have been updated:
|
| Vision | There will be no changes to coverage or premiums in 2025. |
| Supplemental Medical | There will be no changes to your Accident Insurance, Critical Illness Insurance, or Hospital Indemnity Insurance coverage in 2025. |
| Voluntary Benefits |
There will be no changes to Pet Insurance or the Legal Plan in 2025. |
Medical
There are changes to copayments, deductibles, and annual out-of-pocket maximums. Review the medical plan comparison chart to see which plan is right for you.
Coverage Details
Click here to learn more about Aetna.
| Aetna Whole Health HMO | Aetna Value HMO | Aetna HMO | Aetna Open Access Managed Choice HDHP | |||||
|---|---|---|---|---|---|---|---|---|
| In-Network (Only) | Out-of-Network | In-Network (Only) | Out-of-Network | In-Network (Only) | Out-of-Network | In-Network | Out-of-Network | |
| Annual Deductible (calendar year) | None | N/A | None | N/A | None | N/A | $2,000 Individual/ $3,300 Per Member/ $4,000 Family | $5,000 Individual/ $5,000 Per Member/ $10,000 Family |
| Coinsurance | N/A | N/A | N/A | N/A | N/A | N/A | 80% | 60% |
| Annual Out-of-Pocket Maximum (calendar year) | $2,500 Individual $5,000 Family | N/A | $4,000 Individual $8,000 Family | N/A | $4,000 Individual $8,000 Family | N/A | $3,300 Individual/ $3,300 Per Member/ $6,500 Family | $9,000 Individual/ $9,000 Per Member/ $18,000 Family |
| SCAN Contribution to Health Savings Account (HSA) | N/A | N/A | N/A | N/A | N/A | N/A | CA Employees $600/year for Individual Coverage $1,200/year for Family Coverage Non-CA Employees $1,250/year for Individual coverage $2,250/year for Family coverage |
|
| Preventive care | Covered 100% | N/A | Covered 100% | N/A | Covered 100% | N/A | Covered 100%* | You pay 40% after deductible |
| Primary Care Office Visit | $20 copay | N/A | $40 copay | N/A | $20 copay | N/A | You pay 20% after deductible | You pay 40% after deductible |
| Specialist Office Visit | $40 copay | N/A | $60 copay | N/A | $30 copay | N/A | You pay 20% after deductible | You pay 40% after deductible |
| Lab/X-ray | No copay | N/A | $30 copay | N/A | $30 copay | N/A | You pay 20% after deductible | You pay 40% after deductible |
| Imaging (CT/MRIs) | $100 copay per type of scan | N/A | $250 copay per type of scan | $100 copay per type of scan | 20% coinsurance per scan | N/A | You pay 20% after deductible | You pay 40% after deductible |
| Physical Therapy – up to 20 visits (calendar year) | $40 copay | N/A | $60 copay | N/A | $30 copay | N/A | You pay 20% after deductible | You pay 40% after deductible |
| Durable medical equipment | $20 copay | N/A | $40 copay | N/A | $20 copay | N/A | 50% | 50% |
| Hospital Services: Your Costs | ||||||||
| Inpatient** | $500 copay per admission | N/A | $500 per day, up to three days | N/A | 20% per admission | N/A | You pay 20% after deductible | You pay 40% after deductible |
| Outpatient | $200 copay per visit | N/A | $125 copay per visit | N/A | 20% per visit | N/A | You pay 20% after deductible | You pay 40% after deductible |
| Emergency Room | $150 copay (waived if admitted) | N/A | $250 copay (waived if admitted) | N/A | 20% | N/A | You pay 20% after deductible | You pay 20% after deductible |
| Ambulance | $150 copay | N/A | $250 copay | N/A | 20% | N/A | You pay 20% after deductible | You pay 20% after deductible |
| Urgent Care | $50 copay | N/A | $75 copay | N/A | No copay | N/A | You pay 20% after deductible | You pay 40% after deductible |
| Mental Health Care: Your Costs | ||||||||
| Inpatient | $500 copay | N/A | $500 per day, up to three days | N/A |
20% copay per admission |
N/A | You pay 20% after deductible | You pay 40% after deductible |
| Outpatient | $40 copay | N/A | $60 copay | N/A | $30 copay | N/A | You pay 20% after deductible | You pay 40% after deductible |
| Prescription drugs: Your costs | ||||||||
| Deductible | N/A | N/A | $200 per individual / $400 per family | N/A | N/A | N/A | Annual deductible applies | N/A |
| Retail Pharmacy (30-day supply) | ||||||||
| Tier 1 | $10 | N/A | $10 | N/A | $10 | N/A | $10 | 40% up to $250 |
| Tier 2 | $30 | N/A | $30 | N/A | $30 | N/A | $30 | 40% up to $250 |
| Tier 3 | $50 | N/A | $55 | N/A | $50 | N/A | $50 | 40% up to $250 |
| Tier 4 | 30% up to $250 per fill | N/A | 30% up to $250 per fill | N/A | 30% up to $250 per fill | N/A | 30% up to $250 per fill | Not covered |
| Mail Order (90-day supply) | ||||||||
| Tier 1 | $20 | N/A | $20 | N/A | $20 | N/A | $25 | Not covered |
| Tier 2 | $60 | N/A | $60 | N/A | $60 | N/A | $90 | Not covered |
| Tier 3 | $100 | N/A | $110 | N/A | $100 | N/A | $100 | Not covered |
| Tier 4 | 30% up to $250 per fill | N/A | 30% up to $250 per fill | N/A | 30% up to $250 per fill | N/A | Not covered | Not covered |
*Deductible does not apply
**Semi-private room
Savings & Spending Accounts
Health Care and Limited Purpose FSA – The contribution limit is $3,300.
Dependent Care FSA – The contribution limit is $5,000. You must re-enroll to participate in 2025.
Health Savings Account – Your 2024 election will roll into 2025. The contribution limit in 2025 is $4,300 for employee only coverage and $8,550 if you cover dependents. You can change your 2025 contribution during open enrollment or at any time during the year without a qualifying life event.
Life Insurance
Prudential will replace Hartford as our basic and voluntary life insurance provider. There will be no changes to your coverage.
As part of this transition from Hartford to Prudential, Prudential is offering two special enrollment opportunities for voluntary life insurance:
- During this Open Enrollment, current employees can purchase or increase life insurance coverage for themselves and their spouses up to the guaranteed issue limit with no evidence of insurability required.
- Employees should also consider enrolling in the new voluntary AD&D plans. Coverage must be equal to voluntary life elections.
Disability Insurance
Prudential will replace Hartford as our Disability Insurance provider in 2025. There will be no changes to your coverage. Eligible employees will continue to be automatically enrolled in short-term and long-term disability insurance at no cost to you.
Wellness
Modern Health will be replacing Aetna EAP and Headspace. This new program offers personalized care designed to meet your unique needs, providing easy access to a wide range of support. Through SCAN's program, you'll receive 12 free sessions (six therapy + six coaching) for both you and your dependents—completely at no cost to you.
Here’s what Modern Health brings:
- Personalized matching in just minutes
- Unlimited, confidential 24/7 phone support
- Unlimited access to digital care resources
Stay tuned for more details in Q1 2025!
Who Can Enroll in SCAN Benefits?
All active full-time employees who are scheduled to work 30 or more hours per week are eligible to participate in SCAN’s benefits program. You may also cover your eligible dependents under SCAN’s medical, dental, vision, and life benefits. A limited selection of benefits are provided for SCAN Temps scheduled to work 30 or more hours per week.
Your Eligible Dependents Include:
- Spouse or domestic partner (state registration is required)
- Your child(ren) and your covered spouse’s or domestic partner’s child(ren) up to age 26
- Disabled children who became disabled on or before age 26
Documentation is not required at the time of enrollment. However, SCAN will perform audits periodically to verify dependent eligibility.
Enrolling through Employee Central (UKG) Is Easy!
Employee Central (UKG) will guide you through your enrollment every step of the way. For the best experience, we recommend using Chrome as your web browser.
Follow these step-by-step instructions to make your elections and make changes to your 2025 elections.
Pro Tip! Remember to review your confirmation statement for accuracy and save it for recordkeeping purposes.
Important: After Open Enrollment ends, you cannot change your benefit elections unless you experience a qualifying life event, such as a birth, marriage, loss or gain of coverage, and report your event to HR within 30 days of the event.
Your enrollment checklist
Use this checklist to make the most of your Open Enrollment opportunity:
- Re-enroll in Health Care, Limited Purpose, and Dependent Care FSA — they don’t carry over to the next year!
- Consider enrolling in voluntary life for you and your spouse or increasing your coverage up to the guaranteed issue amount.
- Consider newly enrolling in voluntary AD&D for you and your family.
- Update your beneficiaries in Employee Central and Empower
- Finalize your elections no later than Friday, November 15.
You can use the Aetna provider directory to find your medical or dental provider.
If you are currently enrolled in a medical HMO or dental DMO with SCAN and wish to update your primary care provider, you must contact Aetna directly to make changes.
Facilities charge different amounts for the same services, so think about your options when you or a family member needs medical attention. Use the guide below to help you save money and choose the most appropriate care for your situation.
| Telemedicine | Doctor’s Office | Urgent Care Clinic | Emergency Room |
|---|---|---|---|
| Use it for | |||
| A common, non-emergency medical issue that can be diagnosed by phone or online | A condition that doesn’t need immediate attention and can wait until the next day | A condition that needs immediate care but is not life- or limb-threatening | A life-threatening or potentially crippling condition that needs immediate attention |
| Examples | |||
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| Cost | |||
| You pay: $ | You pay: $ | You pay: $$ | You pay: $$$ |
| Find it | |||
| Visit the Teladoc.com/Aetna website to get started | Call your regular doctor or search for an in-network provider on your medical plan carrier’s website | Search for urgent care clinics near you at aetnaresource.com/m/SCAN | Call 911 or search online for the nearest hospital |
For general inquiries, submit a ticket through HR Connect for assistance. An HR team member will be happy to assist.