[ HEALTH ]
MEDICALHEALTH CARE TO KEEP YOU COVERED
BCU offers two medical plan options, both using the Aetna Choice® — POS II network. Review how they compare, then think about your needs for the coming year to help you decide.
To learn more about your 2026 options, see what’s changing for next year.
HOW THE 2026 PLANS COMPARE
| Preferred Provider Organization (PPO) Plan | High Deductible Health Plan (HDHP) | |||
|---|---|---|---|---|
| Company HSA Contribution | $0 | $500 for individual coverage / $1,000 for family coverage |
||
| In-Network | Out-of-Network | In-Network | Out-of-Network | |
| Annual Deductible | $750 per Individual
$1,500 per Family |
$1,000 per Individual
$2,000 per Family |
$2,000 per Individual
$4,000 per Family |
$4,000 per Individual
$8,000 per Family |
| Coinsurance | You pay 20% | You pay 40% | You pay 20% | You pay 40% |
| Out-of-Pocket Maximum | $3,500 per Individual
$7,000 per Family |
$5,800 per Individual
$11,600 per Family |
$4,000 per Individual
$8,000 per Family |
$8,000 per Individual
$16,000 per Family |
| Preventive Care | Covered at 100%, no deductible | Covered at 40%, after deductible | Covered at 100%, no deductible | Covered at 40%, after deductible |
| HSA Contribution Limit | N/A | $4,400 for Individual coverage and $8,750 for all other coverage levels (includes company contribution) | ||
Find additional details about both medical plan options in the PPO Benefit Summary and the HDHP Benefit Summary, as well as the Summaries of Benefits and Coverage (SBCs), under “Helpful Links” at the right.
PLAN HIGHLIGHTS
Each plan has four coverage options:
- Employee
- Employee + Spouse/Domestic Partner
- Employee + Child(ren)
- Family
Each plan also has its own set of copays or coinsurance, deductibles and out-of-pocket maximums.
Preventive care is covered at 100% in both plans when you use an in-network provider.
For both plans, you can use any provider you choose, but you will typically pay lower costs when you use Aetna Choice POS II network providers.
Your prescription drug coverage is included with your medical coverage in both plans.
The High-Deductible Health Plan is HSA-eligible, which means you can contribute to a Health Savings Account (HSA) to cover eligible medical expenses now and in the future with tax-free dollars. See detailed information about the HSA and how it can help you save.
You have access to additional resources and benefits, such as CVS Virtual Care, low- to no-cost coverage for services through MinuteClinic, Aetna’s 24-Hour NurseLine, Progyny for fertility and menopause treatment support, and much more.
