Overview

To support your health and financial wellness, Informatica provides valuable benefits that help you and your family stay healthy and pay for care in the event of illness or injury.

2020 Medical Plans:

Our benefits program includes medical plan options with a range of coverage levels and costs designed to meet the diverse needs of our employees.

PlanDescription
Aetna PPO
Administered by: Aetna
A traditional Preferred Provider Organization (PPO) plan that offers a fixed out of pocket cost through copays, lower deductibles, and cost sharing after you meet the plan deductible.
Aetna Saver
Administered by: Aetna
A high deductible health plan (HDHP) that puts you in charge of your spending through lower paycheck deductions, higher deductibles, and a tax-free Health Savings Account (HSA).
Kaiser HMO
Administered by: Kaiser
A Health Maintenance Organization (HMO) plan with only in-network coverage coordinated by your primary care provider.
Compare the plans

Key features at a glance

All our medical plans provide:

  • Comprehensive, affordable coverage for a wide range of health care services.
  • Free in-network preventive care, with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.
  • Prescription drug coverage included with each medical plan.
  • Financial protection through annual out-of-pocket maximums that limit the amount you’ll pay each year.

Health Insurance 101

Compare Your Medical Plan Options

How the Plans work with HSA

Aetna PPOAetna SaverKaiser HMO
HSA eligibleNoYesNo
Company HSA contributionNone$400/Employee; $800/FamilyNone

Your costs for covered services

Aetna PPOAetna SaverKaiser HMO
Preventive doctor’s visitCovered at 100% in-networkCovered at 100% in-networkCovered at 100% in-network
Individual/family deductible
In-network$500/$1,200$1,600/$3,200None
Out-of-network$1,000/$2,400$3,200/$6,400Not applicable
Individual/family out-of-pocket maximum
In-network$2,700/$5,300$3,000/$6,000$1,500/$3,000
Out-of-network$4,000/$7,800$6,000/$12,000Not applicable
Your coinsurance
In-network10% after deductible10% after deductibleCopays for services
Out-of-network30% after deductible*30% after deductible*Not applicable
Office visit
In-network$20 primary care
$30 specialist
10% after deductible$20 primary care and specialist
Out-of-network30% after deductible*30% after deductible*Not applicable
Telemedicine visit
In-network only$20 per visit$40 per visitNo Cost
Emergency Room visit10% after a $150 copay10% after deductible$150

Retail prescriptions (your cost for a 30-day supply)

Aetna PPOAetna SaverKaiser HMO
GenericIn-network: $10
Out-of-network: $10 + 50% of the Rx cost
In-network 10% after deductible
Out-of-network 30% after deductible
Deductible doesn’t apply to preventive medications.
$10
Brand NameIn-network: $35
Out-of-network: $35 + 50% of the Rx cost
$35
Non-formularyIn-network: $50
Out-of-network: $50 + 50% of the Rx cost
$35 Specialty

Mail order prescriptions (your cost for a 90-day supply)

Aetna PPOAetna SaverKaiser HMO
GenericIn-network: $20
Out-of-network: not covered
In-network 10% after deductible
Out-of-network not covered
Deductible doesn’t apply to preventive medications.
$20
Brand NameIn-network: $70
Out-of-network: not covered
$70
Non-formularyIn-network: $100
Out-of-network: not covered
$70 Specialty
All Non-Specialty DrugsYou may fill 90-day supplies of (non-specialty) medication through any retail location. You will need a 90-day prescription from your providers and you will pay 3X the applicable 30-day cost.***Not applicable

* Out-of-network benefits are based on reasonable and customary charges.

** Deductible does not apply.

*** Important note on maintenance medications through Aetna: For maintenance medications, you can fill a 30-day supply of the prescription at any retail pharmacy twice. For any subsequent refills, a 90-day supply must be filled through the Aetna Rx Home Delivery® mail order program or specifically at a CVS pharmacy. If you continue to fill the prescription at a non-CVS pharmacy, you will pay an additional fee.

Aetna Saver Plan

The Aetna Saver has a lower-paycheck deduction and a higher deductible paired with a tax-free Health Savings Account (HSA) that helps you save up for future expenses. This combination gives you more control over your money and rewards you for making healthy, cost-conscious choices.

Under this plan you can choose any in-network or out-of-network provider each time you receive care. You will generally pay a lower out of pocket cost when you use an in-network provider.

CDHP at a glance

How the Aetna Saver works

You pay the plan paycheck deductions from your paycheck to have coverage.

Fund your HSA

You can set aside tax-free money from your paycheck and receive company contributions to help cover your costs — now, or in the future.

Deductible

You pay 100% of costs until you meet the annual deductible.

Coinsurance

After meeting the deductible, you and the plan share the cost of certain services, with the plan paying the majority.

OOP Maximum

Once you reach your out of pocket maximum the plan pays 100% of any further covered expenses for the rest of the year.

Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.

icon Money-saving Tip

Use your HSA to budget for deductibles and other out-of-pocket expenses while also saving money – your HSA contributions are tax-free! You can also pair your HSA with a Limited Purpose Flexible Spending Account (FSA).

Make the most of your coverage

Take advantage of these resources to manage your care and your costs.

Budgeting for your costs

With the Aetna Saver Plan, you pay less in paycheck deductions and assume more financial responsibility when you receive care. So, it’s important to plan ahead for your out-of-pocket expenses. Here are some ideas to consider:

  • Think about your costs. Contribute at least enough to your HSA to cover your expected out-of-pocket costs, such as your annual deductible and coinsurance. Remember — because you’re keeping more of your paycheck by paying lower medical plan paycheck deductions, you may have extra money available to put in your HSA.
  • Plan ahead. You can only spend HSA money that’s actually been deposited into your account. Adjust your contributions as necessary during the year to make sure you have money available when you need it. And if you don’t, remember to reimburse yourself later so you take full advantage of your HSA’s tax savings.
  • Look long term. You will never forfeit any money left in your HSA — it rolls over year after year. If you know about future expenses — or if you want to save for your health care costs in retirement — set aside a little extra each paycheck so your balance can grow over time.

Aetna PPO

The Aetna PPO offers lower out-of-pocket costs in exchange for higher paycheck contributions. With the Aetna PPO, your costs are more predictable, but over the course of the plan year, you may have out-of-pocket expenses.

Under this plan you can choose any in-network or out-of-network provider each time you receive care. You will generally pay a lower out of pocket cost when you use an in-network provider.

How the Aetna PPO works

You pay the plan paycheck deductions from your paycheck to have coverage.

Copay

You pay a fee at the time of service for doctor visits and prescriptions. Copays do not count toward your deductible.

Deductible

For care not covered by a copay, such as hospital services or x-rays, you pay 100% of costs until you meet the annual deductible.

Coinsurance

After meeting the deductible, you and the plan share the cost of certain services.

OOP Maximum

Once you reach your out of pocket maximum the plan pays 100% of any further covered expenses for the rest of the year.

Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.

iconMoney-saving tip

A Health Care Flexible Spending Account (FSA) lets you take advantage of tax-free savings when paying for care. Be sure to plan your FSA contributions carefully: You can only carry over up to $500 of unused money in your FSA to the next year; you will forfeit any remaining amount above $500.

Make the most of your coverage

Take advantage of these resources to manage your care and your costs.

Kaiser HMO (CA Only)

If you live in California, you have the option of enrolling in the Kaiser HMO plan. The plan provides coverage only when you receive care from providers within the Kaiser HMO network. Your Primary Care Provider (PCP) will coordinate your care to help manage costs.

Do you have a PCP?

Kaiser will select a Primary Care Provider (PCP) for you and your covered family members. Your PCP will manage your care and provide referrals if you need to see a specialist. If you would like to select a different Kaiser PCP, you must contact Kaiser directly. Find a Doctor

How the HMO works

You pay the plan paycheck deductions from your paycheck to have coverage.

Copay

You pay a fee at the time of service for doctor visits and prescriptions.

OOP Maximum

Once you reach your out of pocket maximum the plan pays 100% of any further covered expenses for the rest of the year.

Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.

Money-saving tip

A Health Care Flexible Spending Account (FSA) lets you take advantage of tax-free savings when paying for care. Be sure to plan your FSA contributions carefully: You can only carry over up to $500 of unused money in your FSA to the next year; you will forfeit any remaining amount above $500.

Make the most of your coverage

Take advantage of these resources to manage your care and your costs.

Prescription Drugs

When you enroll in an Informatica Aetna medical plan, you automatically receive prescription drug benefits through Aetna. If you live in California and enroll in Kaiser HMO, prescription drug benefits are provided through Kaiser.

drug tiers

The cost of your prescription drugs depends on the tier of the medication:

  • Generic — Generic drugs contain the same active ingredients as their brand-name equivalents and meet the same federal standards for safety, but typically cost significantly less.
  • Preferred brand — Preferred brand-name prescription medications are favored by a prescription plan based on drug effectiveness and cost.
  • Nonpreferred brand — Nonpreferred brand-name prescription medications are not on a prescription plan’s favored list (or formulary) based on drug effectiveness and cost. Nonpreferred drugs still may be covered, but may require prior authorization and cost more.

Mail order

For ongoing maintenance medication, you can take advantage of the convenience and cost savings of using the mail order program.

Why use mail order:

  • Prescriptions are shipped to you for free — no waiting in line at the pharmacy.
  • You save money with a reduced cost for a three-month supply.
  • You can set up automatic refills.

Save money

The cost of prescription drugs is rising faster than many other health care services and supplies. But, there are ways for you to save on your cost of prescriptions.

  • Ask your doctor about generic medications. Generic medications are generally just as effective as brand-name medications, yet the cost of generics is substantially lower, both for you and the plan. They typically cost between 30% and 75% less than brand-name drugs.
  • Use the plan’s mail order feature. If you regularly take medication to treat a chronic condition — such as an allergy, heart disease, high blood pressure, or diabetes — the mail order prescription program is a convenient and money-saving option for you.
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Generic vs. Brand

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Specialty drugs

Specialty pharmacies provide medications that are used to treat certain complex conditions. Aetna has established a network of retail pharmacies experienced in dispensing and monitoring these special medications. To learn more about the specialty pharmacy network, call Aetna at (888) 792-3862.

Tools & Resources

Take advantage of these valuable resources to better manage your health and financial well-being.

Medical plan tools

Find a doctor, compare costs, manage claims, and more.

Prescription tools

Order or refill prescriptions, sign up for mail order, and more.

icon Teladoc

Seek medical advice from board-certified physicians who are available 24/7, 365 days a year to consult with you over the phone or through live video right from your mobile device or computer. Teladoc physicians can provide fast, convenient diagnosis and treatment for many common conditions. The cost is just $20 per visit in the Aetna PPO and $40 per visit in the Aetna Saver. Visit Teladoc or call (855) 835-2362 to enroll or learn more.

Aetna Nurse Care Manager

If you’re enrolled in an Aetna medical plan and are hospitalized or diagnosed with an ongoing condition, you’ll get personal assistance from a Nurse Care Manager — who will help you work better with your doctor, get needed follow-up care, and much more.

Your Nurse Care Manager will be your single point of contact and personal health advocate, with whom you can build a lasting, trusting relationship. He or she can:

  • Save you time and money: Your nurse will help you navigate your benefits to get conditions treated or addressed today, helping you avoid costly services and procedures that you don’t need later on.
  • Coordinate your care: Your nurse will work with your doctors, hospitals, and care team for a more coordinated, easier experience.
  • Give you peace of mind: You’ll know what to expect before and after surgery or a hospital stay.
  • Connect you to available programs: They’ll help you get in touch with other programs and services to help you stay healthy.
  • Think ahead about your health needs: They’ll reach out to help you prevent urgent medical issues before they happen.

Your Nurse Care Manager will call you if you have an ongoing condition or a hospital stay, so you don’t have to figure out the next steps. Of course, you can always call Aetna at (800) 784-3985. For more information, see the Aetna Nurse Care Manager Flyer.

Aetna Maternity Resources

Aetna offers the Beginning Right® maternity program to support members throughout pregnancy. The program is included at no cost to you if you enroll in an Aetna medical plan through Informatica. And remember, Informatica offers support after pregnancy, too, with the section.

Learn more about the Beginning Right program:

Health Advocate

Get free, personalized assistance to help you navigate the health care system, from understanding claims to choosing providers and negotiating fees. Available to you and your family members (including parents and parents-in-law), this service can save you time and money. Help is just a phone call away at (866) 695-8622. Learn more at Health Advocate.