This sample website and all pages are examples only, created for the purpose of USI Insurance Services response to Check Point's broker RFP, and are not intended or presented as actual Check Point employee benefits. In various instances, example products and features are presented to show capabilities or particular services that may be well suited to Check Point. In no instance are examples shown here represented as actual Check Point benefits.
Choices!
Check Point
Medical Plan Options
Check Point offers employees a comprehensive medical plan with a range of choices administered by Aetna. Employees can choose from three HMO options where available, providing a network of healthcare providers for coordinated care.
Additionally, a PPO/HDHP with HSA option is available for employees everywhere, allowing for greater flexibility in choosing healthcare providers and managing healthcare expenses. Check Point's partnership with Aetna ensures that employees have access to quality healthcare coverage and support.
Countdown to Open Enrollment!
It's on!
Medical Plan Options
The below plan descriptions are deliberately brief, and intended only for quick, high-level comparison of basic plan benefits. You can download and view the actual, detailed plan descriptions with benefits and exclusions by clicking the respective "Full Description" buttons.
Aetna Whole HMO
Southern California Only
| Description | You Pay |
|---|---|
| Deductible | None |
| Coinsurance | N/A |
| Max. Out-of-pocket | $2,500 |
| Dr. Visit | $20 |
| Specialist | $40 |
| ER | $150 |
| Hospital | $500 |
| Outpatient | $200 |
| Rx Generix | $10 |
| Rx Brand | $30 |
| Rx Non-Formulary | $50 |
| Rx Specialty | 30% up to $350 |
Aetna Value HMO
California Employees Only
| Description | You Pay |
|---|---|
| Deductible | None |
| Coinsurance | N/A |
| Max. Out-of-pocket | $4.,000 |
| Dr. Visit | $40 |
| Specialist | $60 |
| ER | $250 |
| Hospital | $500 x 3 Days |
| Outpatient | $125 |
| Rx Generix | $10 |
| Rx Brand | $30 |
| Rx Non-Formulary | $55 |
| Rx Specialty | 30% up to $250 |
Aetna HMO
California Employees Only
| Description | You Pay |
|---|---|
| Deductible | None |
| Coinsurance | N/A |
| Max. Out-of-pocket | $4.,000 |
| Dr. Visit | $20 |
| Specialist | $30 |
| ER | 20% |
| Hospital | 20% |
| Outpatient | 20% |
| Rx Generix | $10 |
| Rx Brand | $30 |
| Rx Non-Formulary | $50 |
| Rx Specialty | 30% up to $250 |
Aetna PPO/HDHP
Available to All
| Description | In PPO | Non-PPO |
|---|---|---|
| Deductible | $2,000 | $5,000 |
| Coinsurance | 20% | 20% |
| Max. Out-of-pocket | $3,300 | $9,000 |
| Preventive | No Charge | 40% |
| Dr. Visit | 20% | 40% |
| Specialist | 20% | 40% |
| ER | 20% | 40% |
| Hospital | 20% | 40% |
| Outpatient | 20% | 40% |
| Rx Generix | $10 | 40% up to $250 |
| Rx Brand | $30 | 40% up to $250 |
| Rx Non-Formulary | $50 | 40% up to $250 |
| Rx Specialty | 30% up to $250 | Not Covered |
Check Point's Employer HSA Deposit
If you enroll in the Aetna PPO, High Deductible Health Plan (HDHP), you may be eligible to take advantage of the Health Savings Account (HSA). SCAN is pleased to make a cash deposit into your HSA account in the following amounts:
- 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
Eligibility
The HSA does require certain criteria be met:
- Persons enrolled in the Aetna HDHP are not also covered under any other plan
- "Other plan" includes Medicare, retiree medical, full Flexible Spending Accounts (FSA), and your spouse's employer health plan
Eligibility
Eligible Employees:
You may enroll in the Employee Benefits Program if you are a full-time employee who is actively working a minimum of 30 hours per week.
Eligible Dependents:
If you are eligible for our benefits, then your dependents are too. In general, eligible dependents include:
- Your Legal Spouse
- Civil Union - Colorado
- Common Law Spouse in Colorado, Idaho
- Registered Domestic Partner in California, Nevada, Oregon and Washington and children up to age 26
- If your child is mentally or physically disabled, coverage may continue beyond age 26 once proof of the ongoing disability is provided
- Children may include natural, adopted, stepchildren and children obtained through court-appointed legal guardianship, as well as children of state-registered domestic partners
When Coverage Begins:
Newly hired employees and dependents will be eligible on the first day of the month following 30 days of employment. All elections are in effect for the entire plan year and can only be changed during Open Enrollment unless you experience a family status event.
Family Status Change:
- A qualifying life event is a change in your personal life that may impact your eligibility or dependent’s eligibility for benefits. Examples of some family status changes include:
- Change of Legal Marital Status (i.e. marriage, divorce, death of spouse, legal separation)
- Change in Number of Dependents (i.e. birth, adoption, death of dependent, ineligibility due to age)
- Change in Employment or Job Status (spouse loses job, etc.)
- If such a change occurs, you must make the changes to your benefits within 30 days of the event date; 60 days for loss of Medicaid or state child health plan. Documentation may be required to verify your change of status. Failure to request a change of status within 30 days of the event or 60 days for loss of Medicaid or state child health plan coverage, may result in your having to wait until the next open enrollment period to make your change. Please contact HR to make these changes.