<p><div class="et_pb_section et_pb_section_0 et_section_regular" >
				
				
				
				
				
				
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							<h2 class="et_pb_slide_title">Your medical plan options</h2>
							
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					</div>
				</div>
				
				
				
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			</div><div class="et_pb_section et_pb_section_1 ksec-trans et_section_regular" >
				
				
				
				
				
				
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				<div class="et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child">
				
				
				
				
				<div class="et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner">Banner Health offers three medical plan options through Banner|Aetna. All of Banner’s medical plan options offer three levels of coverage* based on the network you choose, plus pharmacy benefits. The chart below reflects Banner Network (max savings tier) level of coverage.</div>
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			</div><div class="et_pb_section et_pb_section_2 kmod2 et_pb_with_background et_section_regular" >
				
				
				
				
				
				
				<div class="et_pb_row et_pb_row_2">
				<div class="et_pb_column et_pb_column_3_4 et_pb_column_2  et_pb_css_mix_blend_mode_passthrough">
				
				
				
				
				<div class="et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner">Banner Health Network coverage highlights are shown here. Please review the chart below to understand the coverage offered under each Banner medical plan.</div>
			</div><div class="et_pb_module et_pb_code et_pb_code_0">
				
				
				
				
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			</div><div class="et_pb_module et_pb_text et_pb_text_2  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner">*Out-of-area Premier Plan has two levels of coverage, see below to learn more.<br />
**The coinsurance is after deductible on both Value and Premier for all services except preventive care.</div>
			</div><div class="et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module  dbdb-icon-on-right dbdb-icon-on-hover">
				<a class="et_pb_button et_pb_button_0 et_pb_bg_layout_light" href="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/health-management/">Programs to help Manage Your Health Care</a>
			</div>
			</div><div class="et_pb_column et_pb_column_1_4 et_pb_column_3  et_pb_css_mix_blend_mode_passthrough et-last-child">
				
				
				
				
				<div class="et_pb_button_module_wrapper et_pb_button_1_wrapper et_pb_button_alignment_center et_pb_module  dbdb-icon-on-right dbdb-icon-on-hover">
				<a class="et_pb_button et_pb_button_1 et_pb_bg_layout_light" href="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/wp-admin/admin-ajax.php?juwpfisadmin=false&#038;action=wpfd&#038;task=file.download&#038;wpfd_category_id=15&#038;wpfd_file_id=7312&#038;token=&#038;preview=1" target="_blank">Team Member Premiums</a>
			</div><div class="et_pb_button_module_wrapper et_pb_button_2_wrapper et_pb_button_alignment_center et_pb_module  dbdb-icon-on-right dbdb-icon-on-hover">
				<a class="et_pb_button et_pb_button_2 et_pb_bg_layout_light" href="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/wp-admin/admin-ajax.php?juwpfisadmin=false&#038;action=wpfd&#038;task=file.download&#038;wpfd_category_id=14&#038;wpfd_file_id=7473&#038;token=&#038;preview=1" target="_blank">Resident &amp; Fellow Benefit Overview</a>
			</div><div class="et_pb_module et_pb_text et_pb_text_3  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				
			</div><div class="et_pb_module et_pb_text et_pb_text_4  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner">Banner Health Network coverage highlights are shown here. For complete plan details, click the buttons below.</div>
			</div><div class="et_pb_module et_pb_text et_pb_text_5 et_clickable  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner">Value Plan SBC</div>
			</div><div class="et_pb_module et_pb_text et_pb_text_6 et_clickable  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner">Premier Plan SBC</div>
			</div><div class="et_pb_module et_pb_text et_pb_text_7 et_clickable  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner">Choice Plan SBC</div>
			</div><div class="et_pb_button_module_wrapper et_pb_button_3_wrapper et_pb_button_alignment_center et_pb_module  dbdb-icon-on-right dbdb-icon-on-hover">
				<a class="et_pb_button et_pb_button_3 et_pb_bg_layout_light" href="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/hdhp-and-hsa/">How Your Medical Plan and the HSA Work Together</a>
			</div>
			</div>
				
				
				
				
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			</div><div class="et_pb_section et_pb_section_3 kmod2 et_pb_with_background et_section_regular" >
				
				
				
				
				
				
				<div class="et_pb_row et_pb_row_3">
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				<div id="working-spouse-surcharge" class="et_pb_module et_pb_text et_pb_text_8  et_pb_text_align_left et_pb_bg_layout_dark">
				
				
				
				
				<div class="et_pb_text_inner">Out-of-area Premier Plan option<br />
To support our team members who live outside AZ, WY, NE and CO, we provide an out-of-area medical plan option to ensure all team members receive the Banner Health Network benefits for more savings. This plan option mirrors the Premier Plan, with Aetna network providers covered at the same levels as Banner Health Network providers, as shown below. Out-of-network coverage is also available.</div>
			</div><div class="et_pb_button_module_wrapper et_pb_button_4_wrapper et_pb_button_alignment_center et_pb_module  dbdb-icon-on-right dbdb-icon-on-hover">
				<a class="et_pb_button et_pb_button_4 et_pb_bg_layout_light" href="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/wp-admin/admin-ajax.php?juwpfisadmin=false&#038;action=wpfd&#038;task=file.download&#038;wpfd_category_id=30&#038;wpfd_file_id=7622&#038;token=c814bcfa0ea85f635069f6477883515c&#038;preview=1">Premier Out-of-Area SBC</a>
			</div>
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			</div><div class="et_pb_section et_pb_section_4 kmod2 et_pb_with_background et_section_regular" >
				
				
				
				
				
				
				<div class="et_pb_row et_pb_row_4">
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				<div class="et_pb_module et_pb_slider et_pb_slider_1 et_pb_slider_fullwidth_off">
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							<h2 class="et_pb_slide_title">Embedded deductible</h2><div class="et_pb_slide_content">The Banner Value Plan has a deductible of $6,000 for any tier beyond single coverage, with an embedded deductible of $3,300 for plan year 2025. Once somebody in the family meets his or her individual deductible, the plan will pay coinsurance for that person ONLY. Your family deductible is met when a combination of these individual deductibles reaches the family deductible amount.<br />
&nbsp;<br />
For example, Vijay and his spouse Raji, are enrolled in the Value Family Plan. In April, Vijay reaches the embedded deductible amount of $3,300, so the plan begins to pay coinsurance for any additional claims he may have until the out-of-pocket maximum is met or the plan year ends. In September of the same year, Raji reaches the remaining deductible of $2,700 ($6,000-$3,300), so the plan begins paying coinsurance for her claims through the end of the plan year as well.</div>
							
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			</div><div id="level-of-coverage" class="et_pb_section et_pb_section_5 kmod2 et_pb_with_background et_section_regular" >
				
				
				
				
				
				
				<div class="et_pb_row et_pb_row_5">
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				<div id="working-spouse-surcharge" class="et_pb_module et_pb_text et_pb_text_10  et_pb_text_align_left et_pb_bg_layout_dark">
				
				
				
				
				<div class="et_pb_text_inner">Understanding network tiers<br />
You work for a health care organization, so it makes sense you’d get a discount on health care. Choosing Banner Health physicians, pharmacies and other facilities provides quality care for you and your family and supports the organization that supports you. Plus, you save money through lower copays or coinsurance. Here’s a look at the three levels of coverage available through the different network tiers.<br />
&nbsp;<br />
» Banner Health Network (max savings): You will receive the most coverage at the lowest cost under the plan using the Banner Health Network with Banner Health providers.<br />
&nbsp;<br />
» Aetna national network (standard savings): You can get care from Aetna network providers at a higher cost share than you would pay in the Banner Health Network. Wherever you are in the country, you’ll be able to find many excellent in-network options.<br />
» Out of network: You are free to go to any provider you choose, but if you choose a provider that is not contracted under the Banner Health or Aetna networks, your deductible and coinsurance will be higher, as these are out of network. Out-of-network claims are paid on a Medicare-based fee schedule.<br />
» Non-Banner Area: If you live outside a city/state where a Banner facility is located, you will (most likely) be utilizing the Aetna national network, or Tier 2 coverage. Reach out to the Banner Concierge if you have questions about the best network tier for you.</div>
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						<div class="et_pb_slide_description">
							<h2 class="et_pb_slide_title">Stay in network to avoid balance billing.</h2><div class="et_pb_slide_content">Out-of-network claims could expose you to balance billing, which is when a provider bills you for the difference between the provider’s charge and the allowed amount.</div>
							
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			</div><div class="et_pb_with_border et_pb_section et_pb_section_6 kmod2 et_pb_with_background et_section_regular" >
				
				
				
				
				
				
				<div class="et_pb_row et_pb_row_7">
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				<div class="et_pb_text_inner">Choosing the right health plan<br />
When choosing a plan, first think about your health care usage and needs. Then use our decision tool, Ask ALEX, to review the plans and make the best choice for you and your family.</div>
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				<h5 class="et_pb_toggle_title">SCENARIO 1: Chloe</h5>
				<div class="et_pb_toggle_content clearfix">Saving money is priority oneChloe is 25 years old and single. She’s healthy and has few medical needs aside from the occasional cold, so she wants to spend as little on health care as possible. She likes the idea of using a Health Savings Account (HSA)  to build a health care nest egg for future expenses.<br />
What is Chloe’s choice?After using ALEX, Chloe chooses the Banner Health Value Plan. Since preventive care is covered at 100% and she doesn’t anticipate any major health care expenses, Chloe opts for the lowest premiums to keep her out-of-pocket costs down. To save even more and pay nothing for premiums in 2025 for her team member-only coverage, Chloe participated in the 2024 MyWell-Being Program (Nov. 1, 2023 – Oct. 31, 2024) and met the program’s requirements.</div>
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				<h5 class="et_pb_toggle_title">SCENARIO 2: Mark &amp; Jane</h5>
				<div class="et_pb_toggle_content clearfix">Thinking about the futureMark and his wife Jane just turned 60 and are starting to think about retirement. They’re both healthy now, but they’ll likely need more health care services in the coming years.<br />
What is Mark and Jane’s choice?Mark and Jane decide that the Banner Health Premier Plan can best help them prepare for the future. They plan to fund their HSA with the premium savings, using the $900 Banner Health HSA contribution as a head start. The funds in their HSA will accumulate over time to help them save for the medical expenses they will face during retirement.</div>
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				<h5 class="et_pb_toggle_title">SCENARIO 3: Leslie &amp; Mario</h5>
				<div class="et_pb_toggle_content clearfix">Looking for extra securityLeslie covers her husband Mario and their two kids on her medical plan. Between the kids’ mishaps and another baby on the way, they use health care services often and anticipate hitting their annual deductible early in the year.<br />
What is Leslie and Mario’s choice?Leslie and Mario select the Banner Health Choice Plus Plan. Although this option has a higher premium, Leslie prefers the security of the lower deductible and knows that since they will meet their deductible this year, they will get the greatest benefit. Plus, Leslie can contribute to a Health Care Flexible Spending Account (FSA) and purchase eligible medical expenses tax-free for the remainder of the year.</div>
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				<div class="et_pb_text_inner">Use these resources to help with your benefits questions:</p>
<p>Ask ALEX: myalex.com/bannerhealth<br />
MyHR|Workday: Use the search box or make a selection in the Benefits application<br />
MyBenefits Resource Center: 7 a.m. – 7 p.m. (MST), Monday – Friday at 833-849-9825<br />
Banner|Aetna Concierge Team: 855-788-5803</div>
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				<a class="et_pb_button et_pb_button_5 et_pb_bg_layout_light" href="https://start.myalex.com/bannerhealth" target="_blank">ASK ALEX</a>
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				<a class="et_pb_button et_pb_button_6 et_pb_bg_layout_light" href="https://myhr.bannerhealth.com/" target="_blank">ENROLL NOW</a>
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				<div class="et_pb_text_inner">Ask ALEX<br />
Enroll Now<br />
Residents &amp; Fellows<br />
Benefits Resource Center: 833-849-9825</div>
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