Navigating your healthcare
Understanding how to get the right care at the right time can feel overwhelming—but you're not alone. Whether you're trying to find an in-network provider, understand a medical bill, or figure out where to go for care, there are tools and support to help you.
Here’s how to make it easier:
Utilize your health plan’s website or app Use it to search for in-network doctors, estimate costs, review claims, and even access virtual care.
Call Aetna One Advisor (A1A)Not sure where to start? Your personal advisor can walk you through your options and help with everything from understanding a bill to getting a referral.
Know where to go for care Use this guide to decide the best option for your situation
Use your preventive care benefits Annual physicals, screenings, and vaccines are typically covered at no cost when you use an in-network provider. Or check out Virtual Primary Care.
Your health benefits are here to support you—don’t hesitate to use them.
Aetna
Did you know the Aetna medical plans offer many ways to keep your healthcare costs down? Check out these tips to help you become a smart consumer so you can start saving money now.
Before you visit your provider, here are some tips for you:
Understand your network
Check which Tier (Maximum Savings or Standard Savings) your preferred doctors, hospitals, and specialists are in to minimize out-of-pocket costs.
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 the lowest costs*
Tier 2: Standard Savings — a broader network that provides standard cost savings
For help understanding your network provider options, contact your A1A advisor.
*All in-network mental health visits are considered Tier 1 and provide the maximum savings.
Having a hard time finding time to visit a doctor?
You can access primary care, mental health services, and on-demand care services online or by phone anytime. Get 24/7 access to highly trained, qualified physicians for non-emergency medical conditions, including:
Preventive care
Health and wellness screenings
Sick visits
Chronic disease management
Medication reviews
Health coaching
Mental health services including counseling for anxiety, stress, depression, and grief
Learn more about CVS Virtual Care.
Did you know that Aetna One Advisor (A1A) is your personal benefits advisor?
Aetna One Advisor (A1A), your personal benefits advisor, 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 preventive 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 any plan coverage 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.
You can also find additional information related to the four Aetna plans, prescription coverage and condition management programs here.
Tax-advantaged accounts
Don’t forget to use valuable tax-free health and benefits accounts to save money on your health care expenses.
Here’s how it works:
Contributions: Money is deposited into your account before taxes, reducing your taxable income.
Withdrawals: The money comes out tax-free when you use it for eligible expenses.
Review each account to find out which ones are right for you.
Dedicated savings account for enrollees in a High Deductible Health Plan (HDHP) to pay for eligible medical expenses.
Best for: Those enrolled in an Enhanced or Basic HDHP medical plan who want a flexible, long-term savings account for future healthcare needs.
If you enrolled in an HSA, be sure to watch for 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.
Health Care Flexible Spending Account (FSA)
Dedicated savings account for all full-time Mountaineers to pay for eligible medical expenses.
Best for: Individuals enrolled in a Select Network Plan or Choice PPO Plan who want to save on out-of-pocket medical expenses.
Dedicated savings account for all full-time Mountaineers to pay for eligible dental and vision expenses, and eligible medical expenses that exceed your deductible.
Best for: Individuals with an HSA who want to use an additional account for tax-free savings on eligible dental and vision costs.
| 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 |
Go here for additional information.
Contact
Not sure where to start? Call Aetna One Advisor (A1A)—they are ready to help.
A1A: Call 888-216-8573, Monday - Friday, 8:00 AM to 8:00 PM ET.
Aetna website: http://www.aetna.com/