Medical coverage is a must
You can get medical coverage through Salesforce, your spouse’s or domestic partner’s employer, or another source. But being covered is required under the health care reform law, so check out your options to find the best plan and price for you and your family.
Your choice will be with you for a full year, so it’s important to review all the information and choose carefully.
Most Salesforce employees can choose from three medical plans—all provided through Aetna. (If you live in California or Oregon, you have a fourth option through Kaiser.) Aetna is one of the nation’s largest health insurance companies, so you’ll likely find your doctors in its network.
When you’d rather skip the doctor’s office, Aetna also provides a service called Teladoc. Through Teladoc, you can see a board-certified doctor anytime, anywhere—no wait, no appointment needed. Teladoc physicians are available 24/7 by phone or online video to help you with minor health issues such as cold and flu, allergies, and common infections. Learn more and register with Teladoc. (Registration is required before using the service. Available to Aetna members only).
Finally, we can all use a personal assistant from time to time, especially as we’re trying to navigate the often-challenging world of health care. That’s where your Personal Health Advocate (PHA) through our Health Advocacy Program comes in. Your PHA can help you resolve a wide range of health care and insurance-related issues, and even serve as an intermediary between you and your health care providers and insurance companies.
Aetna HDHP Premium plan
Aetna HDHP Standard plan
Finding an Aetna provider
Kaiser California and Oregon
Compare plans and check costs
Prescription drug coverage
Travel medical coverage
Health Advocacy Program
This plan restricts your choice of doctors and hospitals, but covers most services 100%. When you contact Aetna about this plan, they’ll refer to it as an “EPO.”
With this plan, choose any physician or hospital for care, but pay less when you receive care from a provider in the Aetna network. With the PPO, you pay more in paycheck contributions, and pay copays or coinsurance after meeting the deductible. In-network preventive care is covered 100%.
This is a traditional PPO plan with a high deductible and a Health Savings Account (HSA) that you can use to save and pay for qualified health care expenses now or in the future. When you enroll in this plan, Salesforce contributes to your HSA to jumpstart your savings. You pay the full cost of care until you reach the deductible, then coinsurance. In-network preventive care is covered 100%.
Find even more details—especially about the HSA and how it works to save you money—on the Aetna HDHP Premium plan page.
This is a traditional PPO plan with a high deductible and a Health Savings Account (HSA) that you can use to save and pay for qualified health care expenses now or in the future. This is the only free employee-only medical plan, with a significantly lower premium for any dependent level coverage. You pay the full cost of care until you reach the deductible, then coinsurance. In-network preventive care is covered 100%.
Follow these steps to see if your doctor is in the Aetna network:
- Go to Aetna.
- Click the link to “Find an Aetna doctor.”
- Select “Search a public directory” (instead of registering).
- Select “A plan offered by my employer or organization….”
- Select a provider from the list or type in the name of the provider and location.
- To locate an HMO provider: Under Aetna Standard Plans, select Aetna Select (SM). To locate a PPO or HDHP provider: Under Aetna Open Access Plans, select Aetna Choice POS II.
Remember, Aetna members also may use the Teladoc service 24/7 to access doctors’ help with minor health issues.
These plans are available only to California and Oregon residents. You must use Kaiser physicians and facilities if you choose either of these plans.
- Medical Kaiser HMO (CA) – 2017 summary [PDF]
- Medical Kaiser HMO (Oregon) – 2017 summary [PDF]
- Medical Kaiser Chiropractic & Acupuncture – 2017 summary [PDF]
- See which plan is best for you and your family by reviewing the 2017 medical plan comparison chart [PDF]. The chart includes prescription drug information for each plan.
- Compare monthly costs for each plan.
Prescription drugs are included in both the Kaiser and Aetna plans, which enable you to buy discounted prescriptions at retail stores and through the mail-order program.
Through the Aetna plans, you can buy generics, brand medications that are on the formulary list (aka, Preferred Drug List), and non-formulary medications. Generics are generally the least expensive, followed by brand medications. You’ll pay significantly more for non-formulary medications.
Salesforce also provides travel medical coverage through Cigna Medical Abroad and Chubb to help you cover medical expenses while you’re on the road. Learn more about Travel Assistance.
Through the Health Advocacy Program you’ll be assigned a Personal Health Advocate (PHA), who can help you:
- Find qualified health care providers.
- Make medical appointments, and arrange for special treatments and tests.
- Negotiate medical claim and billing issues.
- Find eldercare services.
- Obtain approvals from your insurance plan.
- Answer questions about medical conditions, tests, treatments, and medications.
- Transfer medical records.
- Connect with other providers to get second opinions.
The program is free to all benefits-eligible employees and their family members—including parents and parents-in-law.
Call the toll-free number 1-866-695-8622 Monday–Friday, 5 a.m. to 6 p.m. PT for confidential assistance, or visit the Health Advocate website. You can also download the free Health Advocate Smart Help app, or email your questions to email@example.com.