Medical & Prescription Drugs

You can choose from three Aetna medical plans, all of which include the same prescription drug coverage through CVS.

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Health Savings Plan

A high deductible health plan that lets you pay less when you use in-network providers, or go out of network for care. After you meet the combined medical and prescription drug deductible, you pay coinsurance. You can also contribute pre-tax dollars to a Health Savings Account (HSA) to help pay for qualified medical expenses you have now or in the future.

HRA

Has lower deductibles than the Health Savings Plan and lets you use in- or out-of-network providers. After you meet the medical deductible, you can use an EXL-funded Health Reimbursement Arrangement (HRA) to help pay eligible medical expenses. You cannot contribute to the HRA.

Premium (PPO)

Has the lowest deductibles of the medical plan options and lets you use in- or out-of-network providers. You’ll pay copays for certain services with no deductible, and coinsurance for others after you meet the medical deductible.

Compare Your Medical Plan Options

Learn more in our Benefits Guide on the Resources Page. To enroll for medical coverage, visit the EXL Benefits Portal (access here from office and here from home).

Annual Deductible
Individual
Family
EXL Contribution
Out-of-Pocket Max.
Individual
Family
Doctor’s Office Visit
(PCP/specialist)
Urgent Care Visit
Emergency Room
Hospital Inpatient
(per admission)
Health Savings Plan
In-network

$2,000
$4,000
N/A

$4,000
$8,000
You pay 30% after deductible
You pay 30% after deductible
You pay 30% after deductible
You pay 30% after deductible
Health Savings Plan
Out-of-Network

$4,000
$8,000
N/A

$8,000
$16,000
You pay 50% after deductible
You pay 50% after deductible
You pay 30% after deductible
You pay 50% after deductible
HRA
In-network

$1,000
$3,000
$500/$1,000

$3,500
$7,000
You pay 20% after deductible
You pay 20% after deductible
You pay 20% after deductible
You pay 20% after deductible
HRA
Out-of-Network

$3,000
$6,000
$500/$1,000

$7,000
$14,000
You pay 40% after deductible
You pay 40% after deductible
You pay 20% after deductible
You pay 40% after deductible
Premium (PPO)
In-network

$250
$500*
N/A

$3,500
$7,000
$25 copay/$40 copay
$30 copay
$150 copay
You pay 20% after deductible
Premium (PPO)
Out-of-Network

$250
$500*
N/A

$7,000
$14,000
You pay 40% after deductible
You pay 40% after deductible
$150 copay
You pay 40% after deductible
Prescription Drugs
Retail (30-day supply)
Generic
Brand Formulary
Brand Non-Formulary
Health Savings Plan
In-network
$10 copay after deductible
$35 copay after deductible
$75 copay after deductible
Health Savings Plan
Out-of-Network
$10 copay after deductible
$35 copay after deductible
$75 copay after deductible
HRA
In-network
$10 copay
$35 copay
$75 copay
HRA
Out-of-Network
$10 copay
$35 copay
$75 copay
Premium (PPO)
In-network
$10 copay
$35 copay
$75 copay
Premium (PPO)
Out-of-Network
$10 copay
$35 copay
$75 copay
Prescription Drugs
Mail Order (90-day supply)
Generic
Brand Formulary
Brand Non-Formulary
Health Savings Plan
In-network
$20 copay after deductible
$70 copay after deductible
$150 copay after deductible
Health Savings Plan
Out-of-Network
$20 copay after deductible
$70 copay after deductible
$150 copay after deductible
HRA
In-network
$20 copay
$70 copay
$150 copay
HRA
Out-of-Network
$20 copay
$70 copay
$150 copay
Premium (PPO)
In-network
$20 copay
$70 copay
$150 copay
Premium (PPO)
Out-of-Network
$20 copay
$70 copay
$150 copay

*This plan has an “embedded” deductible, which means that if you are enrolled with dependents, no one person will have to pay more than the individual deductible.

Questions?

Visit the EXL Benefits Portal to chat live with a customer service representative or call the EXL Benefits Service Center at 1-877-319-8490. Representatives are available Monday through Friday from 8 a.m. to 8 p.m. ET.  You can also reach out to our benefit carriers directly using the information on our Contacts Page.

Access Portal from Work
Access Portal from Home