Health Care Plan EPO

Aetna Open Access® Elect Choice® EPO Plan

All FIT part-time employees may enroll in health care plan coverage.

The College will continue to offer the Aetna Open Access® Elect Choice® EPO Plan.  This plan is available to you and your eligible dependents.  Eligible dependents are a legal spouse, a qualified domestic partner, and children up to age 26.  This is an Exclusive Provider Organization (EPO) plan which provides flexibility in accessing benefits and offers a broad network of participating providers.  This plan has In-Network benefits only (except in the case of emergency care).

What you need to do by Friday, November 15, 2024:

  • You do not want to make a change: Do nothing. You and your enrolled dependents (if any) will remain enrolled in the Aetna Open Access® Elect Choice® EPO Plan in 2025. 
  • You want to enroll, waive, or make a change to your covered dependents beginning January 1, 2025: You must complete the Health Care Plan Enrollment Form and attach a marriage certificate, domestic partner documentation, or a child’s birth certificate(s) if enrolling a dependent.  (see Important Information at the bottom of this page)

Plan Details

The Aetna Open Access® Elect Choice® EPO Plan features:

  • Coverage nationally so you can receive care from a participating (in-network) provider anywhere in the U. S.
  • No requirement to designate a primary care physician (PCP).
  • No referral requirements from a primary care physician (PCP) to seek care from an in-network (participating) specialist.
  • No copay for most preventive care services such as routine adult physical exams/immunizations, routine gynecological exams, and routine mammograms.

Network providers can be found on the Aetna website.  Enter your zip code as requested, and from the "Select a Plan" menu, scroll down to "Aetna Open Access Plans," choose "Elect Choice® EPO (Open Access)," and click "Continue."

The Aetna Open Access® Elect Choice® EPO Plan Booklet, Plan Summary, and Summary of Benefits and Coverage provide additional information.

Aetna Premium Payment and Reimbursement Information

Effective January 1, 2025, the full monthly premium for Aetna Open Access® Elect Choice® EPO Plan will be:

  • Monthly Cost for Employee-Only Coverage: $9,801.46
  • Monthly Cost for Employee Plus Dependent(s) Coverage: $27,721.43

Part-Time Classroom Faculty

If you are enrolled in the Aetna Open Access® Elect Choice® EPO Plan, you will be billed by EBPA, FIT’s benefits billing administrator.  Payment is due on the first of each month to maintain your coverage.

If you meet eligibility requirements (.pdf), you may be entitled to a premium reimbursement.  The reimbursement for the period January 1 through June 30 is included in the second pay date in June, and the reimbursement for the period July 1 through December 31 is included in the second pay date in December.

Part-Time Staff, Part-Time Non-Classroom Faculty, and Part-Time Classroom Assistants

If you are enrolled in the Aetna Open Access® Elect Choice® EPO Plan and meet eligibility requirements (.pdf), you may have a portion of your premium paid by the College. If you meet the criteria, your portion of the premium contribution will be deducted on a pre-tax basis from your semi-monthly paychecks and the College will pay the remainder of the applicable premium.

Important Information

If you experience a divorce or dissolution of a domestic partnership, please notify a benefits representative immediately to remove your ineligible dependent from your coverage. 

Failure to drop a dependent when they are no longer eligible for coverage may make you responsible for repayment to Aetna of any claims paid after the date they were no longer eligible. Totally disabled children over age 26 may continue to be covered if approved by Aetna before they reach age 26.