How to choose your benefits

At Iron Mountain, we want you to understand your benefit options so you can make the best choice for you and your family. This page outlines your medical plan options, offers tips for choosing your benefits, and points you to resources for personalized advice.

Which medical plan is best for you in 2026?

The medical plan options available to you depend on your location. Most Mountaineers have a choice of four national plans managed by Aetna. If you live in California, Kaiser is also available. If you live in Hawaii, you are eligible for Kaiser HI. If you live in Puerto Rico, you are eligible for Triple-S.

Review the chart below to understand each plan and see what meets your needs.

Plans	Select Network Plan (multi-tier EPO)	Choice PPO Plan (multi-tier POS)	Enhanced HDHP (multi-tier HSA plan)	Basic HDHP (HSA plan)	Kaiser (HMO plan) (California and Hawaii)
Overview	Highest premium with lowest deductible and coinsurance	Second highest premium with mid-level deductible and coinsurance	Second lowest premium with mid-level coinsurance and a higher deductible	Lowest premium with highest deductible and coinsurance	Highest premium, no deductible, low copays
Two-tier network	✔	✔	✔	One network only	One network only
Free preventive care with in-network providers	✔	✔	✔	✔	✔
Free preventive care prescriptions (i.e for heart disease, stroke, diabetes)	✔	✔	✔	✔	✔

Understanding two-tier networks

The Aetna Select Network Plan, Choice PPO Plan, and Enhanced HDHP each use a two-tier network to help you save money. Your out-of-pocket healthcare costs are determined by your provider’s network tier.

Tier 1: Maximum Savings – a narrower network that provides lowest costs*
Tier 2: Standard Savings – a broader network that provides standard cost savings

For help understanding your network provider options, contact your Aetna One Advisor (A1A) is your personal benefits advisor. A1A can support all Mountaineers in understanding their benefits. Call 888-216-8573, Monday-Friday, from 8:00 AM to 8:00 PM ET.

*All in-network mental health visits are considered Tier 1 and provide the maximum savings.

See what plans Mountaineers like you are choosing

Name: Kia Age: 28 Coverage type: Employee only Health profile: Kia is active and in good health. She rarely visits the doctor (aside from preventive care). She has few medical expenses and does not forsee health problems in her near future.	Name: Hector Age: 57 Coverage type: Employee and child Health profile: Hector’s son is in good health. Hector has type 2 diabetes and maintains a healthy lifestyle. He manages his finances closely and budgets each month.	Name: Deepak Age: 47 Coverage type: Employee and family Health profile: Deepak and his wife are in good health. Their three children visit the doctor regularly and Deepak has back pain that requires frequent specialist visits. The family is always on the go and finds budgeting for healthcare costs difficult.	Name: Louise Age: 43 Coverage type: Employee and spouse Health profile: Louise is active and in good health. Her husband was recently diagnosed with hypertension. They had a visit to the emergency room (ER) shortly after his diagnosis.
Plan in 2025: Enhanced HDHP Plan of choice for 2026: Basic HDHP Why? Kia entered her personal information in Emma and learned the Basic HDHP is her best bet. Her payroll deductions will be lower than last year, and her preventive care will still be covered 100% in-network. Cost savings tips: Kia’s A1A advisor recommended she deposit the money she’s saving into an HSA to pay for medical costs tax-free.	Plan in 2025: Enhanced HDHP Plan of choice for 2026: Choice PPO Plan Why? Last year, Hector had high healthcare expenses due to regular doctor visits for his diabetes. Emma showed him that the Choice PPO Plan will reduce his out-of-pocket costs and save him money throughout the year. Cost savings tips: Hector’s A1A advisor said he can open a Health Care FSA and use those funds to cover his deductible tax-free. The A1A advisor also recommended he take advantage of Aetna’s free Transform Diabetes Care program.	Plan in 2025: Basic HDHP Plan of choice for 2026: Enhanced HDHP Why? Deepak spoke to an A1A advisor and learned that it may be easier to cover his family’s healthcare costs if he enrolls in the Enhanced HDHP. He will pay a higher monthly premium, but his deductible and coinsurance rate will be lower, saving him money on frequent doctor visits. Cost savings tips: He can consider opening an HSA to cover his deductible tax-free and also receive Iron Mountain’s HSA contribution. A1A also enrolled him in Aetna’s free back and joint care program, Hinge Health, for personalized virtual physical therapy.	Plan in 2025: Basic HDHP Plan of choice for 2026: Select Network Plan Why? Louise entered her husband’s recent diagnosis into Emma and learned that the Select Network Plan will save her money this year. Although this plan has the highest premium, it offers the lowest deductible and coinsurance, which will help with her husband’s specialist doctor visits and specialty prescriptions. Cost savings tips: Louise’s A1A advisor noticed she had no primary care provider. The advisor helped her choose a Maximum Savings (Tier 1) network provider and made an appointment for her. The advisor also helped Louises’ husband understand his specialist doctor visits and specialty prescriptions and enrolled him in Aetna’s free Hello Heart cardiac care program.

What to consider when choosing a medical plan Healthcare needs
- Evaluate your current situation and expected medical needs in 2026.
- Do you have upcoming procedure or ongoing treatments?
- Has your (or your family’s) health changed?
Your share of costs
- Premium – What you pay out of each payroll for your elected plan
- Deductible – What you pay before the plan pays (in-network preventative care is always 100% covered) (Aetna only)
- Copay – Flat fee per doctor visit (after deductible, if applicable)
- Coinsurance – Percentage of the bill you share (after deductible and copays, if applicable)
Your out-of-pocket maximum
- This is the most you’ll pay in a year, including deductibles, coinsurance, and copays for in-network care.

Four cost-saving tips

Choose a Maximum Savings (Tier 1) Primary Care Provider (PCP)
- Free preventative care: In-network annual checkups and screenings are covered at no cost to you.
- Better long-term health: Regular preventative care helps avoid costly illness later.
Know where to go for care
- Maximum Savings (Tier 1) providers will save you the most, and typically cost less than urgent care or ER visits. In-network mental healthcare (in-person or virtual) is always Maximum Savings (Tier 1).
- The MinuteClinic® at CVS offers free or low-cost visits, including mental healthcare for those 13 years or older.
- CVS Virtual Care® has shorter wait times and affordable pricing.
Quit tobacco use
- Avoid the tobacco surcharge while improving your health.
- Free nicotine replacement therapy and coaching are available through Aetna’s Tobacco Cessation Program for all benefits-eligible Mountaineers. Call A1A at 888-216-8573 to get started.
Consider an HSA or FSA - You must enroll in these plans each year you wish to contribute. Participation does not roll over from year to year.

Health Savings Account (HSA)

An HSA allows you to save pre-tax dollars for medical expenses, reduce taxable income, and invest for future expenses.
To enroll in an HSA, you must be enrolled in the Aetna Enhanced or Basic HDHP plan.
With the Enhanced HDHP, Iron Mountain contributes to your HSA.
2026 contribution limits are increasing to $4,400 for individuals and $8,750 for families. Participants 55 and older can contribute an additional $1,000 catch-up contribution.
Once enrolled in an HSA, you will receive an email from Fidelity advising you to access NetBenefits to activate your HSA. The Activate HSA link is found under the “Your account and benefits” section on the NetBenefits homepage. This step is necessary to have full access to the account (i.e., ability to use your debit card, invest funds, and set up beneficiaries).
HSA funds stay with you from year to year and remain yours, even if you leave Iron Mountain.

Flexible Spending Accounts (FSAs)

You can use these accounts to pay for eligible expenses with pre-tax dollars.
2026 contribution limit for Dependent Care FSA is increasing to $7,500 per household. There are eligibility limits for highly compensated Mountaineers.
The funds must be spent by March 15 of the following year, or you lose them.

Type of FSA	Used for	Available to
Health Care FSA	Out-of-pocket medical, dental, vision, and prescriptions	Mountaineers enrolled in Aetna Select, Choice or Kaiser plans
Limited Purpose FSA	Dental, vision, prescriptions, and medical expenses after you reach your deductible	Mountaineers in the Aetna Enhanced or Basic HDHP plans
Dependent Care FSA	Eligible child or elder care expenses	All benefit eligible Mountaineers (no medical plan required); eligibility limits apply to highly compensated Mountaineers

Get personalized decision support
Aetna One Advisor (A1A), your personal benefits advisor

Did you know that Aetna One Advisor (A1A) is your personal benefits advisor? They can help you compare medical plan options, choose the best fit for you and your family, find quality cost-effective providers, and offer tips to get the most from your plan. Once you call, your advisor provides personalized support all year long.

Your A1A advisor can help you:
- Tap into free preventative services and condition management programs
- Find top-quality and budget-friendly providers, schedule appointments, and coordinate your care (including pre-certifications)
- Make informed decisions about treatment options
- Understand your prescription drug coverage
- Sort out an plan or claim issues
A1A can support all Mountaineers in understanding their benefits.

Call 888-216-8573, Monday-Friday, from 8:00 AM to 8:00 PM ET. Aetna members can also chat online through the Aetna member website (aetna.com).

Emma™: A personal decision support tool

Emma is an online tool designed to help you choose which plan is best for you during Open Enrollment or when making life event changes. Emma looks at 12 months of your and your enrolled dependents’ medical claims history (if available) to compare coverage options for the coming year. Just answer a few questions and Emma will give a personalized comparison of your medical plan costs, including payroll deductions and expected out-of-pocket costs when you use the plan. Log in to the Iron Mountain Benefits Center via the bswift mobile app or on the web here to get started.