[Benefits Information Session Meeting on October 15, 2026.]
[00:00:06]
YOU DOING? MY NAME IS BRIAN KILEY AND I'M FROM ACRISURE. AND WE'RE HERE TOGETHER TO TALK ABOUT SOME OF THE NEW PLANS, DESIGNS THAT GOING INTO EFFECT FOR ONE, ONE, 2027. SO JUST FIRST THING, YOU ALL HAVE THE MATERIALS THAT WERE ON THE TABLE OVER HERE. IF YOU DON'T, IF YOU WANT TO JUST GO UP AND GET THEM, THAT WOULD BE GREAT IF ANYBODY'S MISSING THEM. AND THEN SECONDLY, THIS IS BEING RECORDED, JUST SO YOU KNOW, AND ALSO PLEASE, DURING THE SLIDE PRESENTATION THAT I'LL HAVE HERE, NO PERSONAL QUESTIONS, PLEASE. WE'LL DO ANYTHING LIKE THAT AFTERWARDS. OKAY. BECAUSE SINCE IT IS BEING RECORDED, YOU KNOW, WE DON'T WANT THAT INFORMATION OR, YOU KNOW, ANY TYPE OF SCENARIO GETTING OUT TO OTHER PEOPLE. OKAY, I APPRECIATE THAT. THANK YOU. SO FIRST OF ALL, IF YOU WANT TO JUST TAKE A QUICK LOOK AT THIS.
WHAT'S GOING TO BE OCCURRING FOR JANUARY 1ST, 2027 WITH THE CURRENT PLANS THAT YOU HAVE, YOU KNOW, THROUGH THE TOWNSHIP, THE $10 PLANS, THE MATCH, THE CORPS, ALL THAT EXCEPT FOR THE HMO. IF ANY OF YOU HAVE HMO. THIS WILL NOT PERTAIN TO THE HMO. THIS. THAT WILL REMAIN THE SAME. SO FOR THE ALL THE OTHER PLANS THAT ARE AVAILABLE TO YOU, WHAT'S GOING TO HAPPEN IS THE NETWORK THAT YOU HAVE RIGHT NOW, YOU PROBABLY DON'T KNOW THIS, BUT IT'S CALLED THE AETNA CHOICE POS2 PLAN, NOT SOMETHING YOU NEED TO REMEMBER. BUT THAT'S THE NAME OF THE THE NETWORK THEY USE WHERE YOU GET YOUR DOCTORS, YOUR, YOU KNOW, PRIMARY CARE PHYSICIANS, YOUR HOSPITALS, YOU KNOW, OUTPATIENT FACILITIES, YOU KNOW, IF YOU HAVE TO GO TO A CARDIOLOGIST OR ANYTHING LIKE THAT, THAT IS WHERE YOU GET YOUR PROVIDERS FROM. AND THOSE ARE CALLED IN-NETWORK PROVIDERS BECAUSE THEY'RE IN THE A CPOS2 OR AS I SAID, AETNA CHOICE POS2 PROGRAM.
SO WHEN WE TALK ABOUT IN-NETWORK, IN-NETWORK IS WHERE YOU GET YOUR BEST SAVINGS. IF YOU USE AN, YOU KNOW, SOME OF YOU MAY HAVE. IF YOU USE PROVIDERS FACILITIES LIKE A HOSPITAL OR SUCH THAT ARE OUT OF NETWORK, THAT IS WHERE YOU GET YOUR LEAST AMOUNT OF SAVINGS BECAUSE YOU'RE USING AN OUT-OF-NETWORK PROVIDER. THEY'RE NOT CONTRACTED LIKE THE IN-NETWORK DOCTORS AND THE OUT-OF-NETWORK PROVIDERS ALSO CAN BALANCE BILL YOU FOR ANY EXCESS CHARGE THAT ISN'T REIMBURSED BY THE INSURANCE COMPANY. ON THE IN-NETWORK SIDE, YOU ARE. THE PROVIDERS ARE CONTRACTED AND THEY AGREE TO WHATEVER RATE IT IS FOR WHATEVER PROCESS IT IS. LET'S SAY IT'S, YOU KNOW, YOU'RE GOING FOR AN OFFICE VISIT OR YOU HAVE TO GO GET, YOU KNOW, STITCHES OR, YOU KNOW, A BROKEN LIMB OR SOMETHING LIKE THAT.
THEY'RE ALL CONTRACTED. SO WHATEVER RATE IS IN THAT CONTRACT IS WHAT IS PAID. AND THERE'S NO BALANCE BILLING ON THE IN-NETWORK SIDE. OKAY. SO THAT'S THE DIFFERENCE BETWEEN THE TWO. SO IF YOU GO OUT OF NETWORK AND YOU NEED STITCHES, THAT DOCTOR COULD CHARGE YOU JUST MAKING IT UP $5,000 FOR STITCHES. AND YOU MAY ONLY GET REIMBURSED A FEW HUNDRED DOLLARS, BUT YOU'RE, YOU COULD BE ON THE HOOK FOR THE REST OF THAT AMOUNT. THE DIFFERENCE BETWEEN WHAT'S ALLOWED A FEW HUNDRED DOLLARS AND WHAT THEIR TOTAL CHARGE IS BECAUSE THEY'RE OUT OF NETWORK, THEY'RE NOT BEHOLDEN TO ANYBODY TO YOU OR, YOU KNOW, AETNA OR THE TOWNSHIP OR ANYBODY. OKAY. SO I JUST WANT TO MAKE SURE THAT THAT'S CLEAR HOW THAT WORKS. SO STAY MY WHOLE THING IS STAY AWAY FROM THE OUT OF NETWORK PROVIDERS. IF YOU CAN USE ALL IN-NETWORK PROVIDERS, THAT'S KIND OF THE, THE SHORT AND SWEET TO THAT. SO THAT BEING GIVEN THAT'S WHAT TODAY'S LOOKS LIKE. SO ALL OF YOUR IN-NETWORK PROVIDERS ARE ALL IN NETWORK, ALL UNDER ONE TYPE OF BENEFIT THAT YOU GET. AN OPTION IS BEING OFFERED BY THE TOWNSHIP FOR YOU TO LOOK AT, STUDY AND SEE IF YOU WANT TO MOVE INTO IT. AND IT'S CALLED AETNA'S WHOLE
[00:05:04]
HEALTH NETWORK. AND WHAT THAT DOES IS IT BIFURCATES OR SPLITS IN TWO. THE IN-NETWORK PROVIDERS. SO YOU HAVE WHAT THEY CALL, AND I'LL USE DIFFERENT TERMS IN A MOMENT, BUT WHAT THEY CALL THE DOCTORS WITH MAXIMUM SAVINGS AND THE DOCTORS WITH STANDARD SAVINGS.AND WHAT THAT EQUATES TO IS DOCTORS WHO PERFORM BETTER GET MAXIMUM SAVINGS. SO THEY USE THE IN-NETWORK LEVEL OF BENEFITS THEY'RE CONTRACTED. STILL WITH AETNA. SAME DOCTORS YOU'VE BEEN USING. THAT'S NOT CHANGING. BUT THEY'RE ALL IN NETWORK AND THEY'RE YOU'RE GETTING THE IN-NETWORK LEVEL OF BENEFITS. THOSE ON THE STANDARD SIDE ARE THOSE THAT ARE WE'LL CALL THEM LESSER EFFICIENT THAN THOSE IN THE MAXIMUM SIDE. AND THEY USE THE OUT OF NETWORK LEVEL OF BENEFITS, BUT THEY ARE STILL CONTRACTED. SO LET ME JUST EXPLAIN THAT. SO BEFORE, WHEN I WAS TALKING ABOUT THE IN-NETWORK AND I WAS TALKING ABOUT BALANCE BILLING AND HOW THAT WORKS, THE IN-NETWORK SIDE, THAT MAXIMUM SAVINGS IS GOING TO REMAIN THAT WAY. AND ON THE, WE'LL CALL IT STANDARD SIDE, THEY ARE ALSO GOING TO BE CONTRACTED AND CANNOT BALANCE.
BILL YOU LIKE A REGULAR OUT-OF-NETWORK DOCTOR BECAUSE THEY STILL ARE CONTRACTED, BUT THEY USE THE OUT OF NETWORK LEVEL OF BENEFITS. OKAY. WHICH IS DIFFERENT THAN YOUR IN-NETWORK LEVEL. IF YOU LOOK AT, YOU KNOW, WHATEVER PLAN YOU HAVE, YOU'LL SEE THAT THERE IS A DIFFERENCE BETWEEN THE TWO. AND TYPICALLY IT STARTS WITH THE OUT-OF-NETWORK HAVING A LARGER DEDUCTIBLE AND PERHAPS DIFFERENT COINSURANCE. AND JUST LET ME FRAME THAT DEDUCTIBLE IS THE FIRST THING THAT YOU PAY FOR MOST SERVICES, NOT ALL, BUT MOST. SO IT MIGHT BE, YOU KNOW, YOU KNOW, $500, LET'S SAY IF THAT'S, YOU KNOW, AN OUT OF NETWORK LEVEL BENEFITS, WHERE IN NETWORK, YOU MIGHT HAVE A MUCH LOWER OR NO DEDUCTIBLE. SO IT COULD BE ZERO, IT COULD BE $100, YOU KNOW, WHATEVER IT MIGHT BE. I DON'T WE'RE NOT GOING TO GO OVER PLAN DESIGN HERE. BUT BUT THAT'S THE DIFFERENCE. SO IN, IN DOING SO WHAT WHAT'S HAPPENING IS SINCE YOU NOW HAVE TWO DIFFERENT LEVELS OF PROVIDERS ON THE IN-NETWORK SIDE, MAXIMUM SAVINGS AND STANDARD SAVINGS. AND YOU HAVE THAT CHOICE WHEN YOU GO TO A PROVIDER. AGAIN, WHETHER IT'S A PHYSICIAN OR A HOSPITAL OR SOME KIND OF OUTPATIENT FACILITY, YOU WILL HAVE THE CHOICE TO MAKE TO GO TO THE MAXIMUM SAVINGS SIDE WITHIN NETWORK BENEFITS OR THE STANDARD SIDE WITH OUT NETWORK BENEFITS. AND WHERE THAT COMES INTO PLAY IS, IT DROPS THE COST OF THE PLAN DOWN. SO WHEN YOU'RE PAYING YOUR PORTION OF EMPLOYEE CONTRIBUTIONS, THE COST OF THAT PLAN IS LESS. WHEN YOU'RE IN THE WHOLE AETNA WHOLE HEALTH NETWORK. OKAY. AND THE WHOLE IDEA IS TO SAVE MONEY. AND THAT'S, YOU KNOW, EVERYBODY'S BEEN TRYING TO DO IT. YOU KNOW, THEY'VE BEEN TRYING TO PUT TOGETHER A PROGRAMS THAT WILL SAVE MONEY.
AND THIS IS ONE THAT WILL SAVE MONEY. YOU'LL, YOU'LL HAVE TO LOOK AT THE DOCTORS THAT YOU EITHER CURRENTLY USE TODAY OR, YOU KNOW, YOU'LL HAVE TO PERHAPS PICK NEW DOCTORS IF YOU WANT TO STAY ON THAT MAXIMUM SIDE. PERHAPS SOME OF THE ONES YOU'RE USING TODAY ARE ON THE STANDARD SIDE, AND YOU MIGHT WANT TO PICK DOCTORS THAT ARE ON THE MAXIMUM SIDE SO THAT YOU CAN MAXIMIZE YOUR BENEFITS, PAY LESS OUT OF YOUR POCKET FOR THE BENEFITS THEMSELVES, AND STILL HAVE A, YOU KNOW, A FULL RICH PLAN. AND AGAIN, THIS ISN'T CHANGING THE, THE PROVIDER NETWORK AT ALL. IT'S JUST SPLITTING IT IN HALF. OKAY, FROM MAX TO MAXIMUM AND STANDARD. OKAY. SO I JUST WANT TO, I WANT TO PUT THAT OUT THERE. SO YOU'RE PROBABLY SAYING, WELL, IS MY DOCTOR, YOU KNOW, A MAXIMUM OR A STANDARD SAVINGS PROVIDER, YOU KNOW, PHYSICIAN? AND THAT'S WHERE THIS HANDOUT COMES IN, WHERE IT SAYS FIND A DOCTOR. SO WHAT YOU
[00:10:04]
WOULD DO IS YOU WOULD FOLLOW THE INSTRUCTIONS AND, YOU KNOW, EVERYTHING'S BEEN KIND OF CIRCLED. YOU'LL SEE RED HIGHLIGHTED AREAS THAT YOU CAN LOOK AT AS YOU'RE GOING THROUGH.SO YOU'RE GOING TO GO IN TO THE AETNA WEBSITE, YOU KNOW, JUST WWW.AETNA.COM. YOU'RE GOING TO GO INTO FIND A DOCTOR WHICH IT SAYS UP HERE. AND THEN YOU'RE GOING TO FOLLOW THE INSTRUCTIONS DOWN FOR WHATEVER TYPE OF PROVIDER YOU WANT TO FIND. AGAIN, IF YOU WANT TO, YOU KNOW, PRIMARY CARE PHYSICIAN, A CARDIOLOGIST, YOU KNOW, YOU KNOW, ANYTHING ELSE, YOU KNOW, THAT'S OUT THERE. SO, YOU KNOW, YOU HAVE THAT ABILITY TO TAKE A LOOK AND YOU MIGHT FIND THAT SOME OF YOUR PROVIDERS ARE IN THE MAXIMUM SAVINGS SIDE OF THE, THE, THE NETWORK. AND THEN YOU MAY FIND THAT SOME ARE NOT AND THEY'RE IN THE STANDARD SIDE. SO YOU CAN STAY WITH THAT. JUST KNOW WHAT BENEFITS THAT IS. IF YOU STAY ON THE STANDARD SIDE THAT IT'S USING OUT OF NETWORK LEVEL OF BENEFITS, YOU KNOW, OR MOVE OVER TO THE, THE MAXIMUM SIDE.
AND AGAIN, THIS IS A CHOICE. YOU CAN STAY IN THE PLANS THAT YOU HAVE TODAY THAT HAVE, YOU KNOW, THE REGULAR, AS I SAID BEFORE, AETNA POS TWO NETWORK, OR YOU CAN MOVE OVER TO THE AETNA WHOLE HEALTH NETWORK. HAVE THAT TWO DIFFERENT SIDES TO WHICH TYPE OF IN-NETWORK PROVIDERS YOU WANT TO USE, AND ALSO SAVE SOME MONEY ON THE CONTRIBUTIONS THAT YOU MAKE.
AND JUST TO SHOW YOU THE OTHER HANDOUT, WHICH LOOKS LIKE THIS CHART WITH WITH SOME NUMBERS ON IT. SO WHAT IT'S SHOWING YOU IS IT'S SHOWING YOU THE PREMIUMS AT THE TOP OF THE PAGE THAT ARE THE COST FOR THESE PLANS. AND IT'S SHOWING YOU, WE'LL JUST TAKE PAGE ONE AND PAGE TWO.
PAGE ONE IS SINGLE RATES. PAGE TWO EXCUSE ME. PAGE ONE IS SINGLE RATES FOR THE CURRENT PLANS. PAGE TWO IS SINGLE RATES FOR THE AETNA WHOLE HEALTH NETWORK. THAT'S WHAT THE A W STANDS FOR RIGHT NOW. WHOLE HEALTH. OKAY. SO YOU CAN LOOK AT THAT. YOU CAN LOOK AT WHICH PLAN YOU WANT TO USE OR DO USE OR WANT TO SWITCH INTO AND DECIDE WHETHER YOU WANT TO STAY WITH YOUR CURRENT PLAN IN THE CURRENT NETWORK OR HAVE SOME SAVINGS IN YOUR EMPLOYEE CONTRIBUTIONS, AND SWITCH OVER TO THE AETNA WHOLE HEALTH NETWORK. SO AGAIN, IT'S AN OPTION. IT'S A CHOICE. NOTHING'S BEING FORCED ON YOU, BUT IT'S A WAY FOR YOU TO TO LOOK AT YOUR OWN INSURANCE POLICIES AND SEE IF YOU CAN SAVE ANYTHING FOR YOURSELVES.
OKAY, SO I KNOW WE'RE GOING TO HAVE QUESTIONS. SO AT THIS POINT, YOU KNOW, I WANT TO IF WE HAVE ANY PERSONAL QUESTIONS, I'D LIKE TO, YOU KNOW, CEASE THE RECORDING AND THEN WE CAN HAVE PEOPLE ASK QUESTIONS AND WE
* This transcript was compiled from uncorrected Closed Captioning.