Medical Coverage
Benefit-eligible employees can voluntarily elect to enroll in medical insurance as of their first day at PRUSA. Medical and prescription drug coverage is offered through Aetna or Kaiser*. Use our Ask Alex tool to help you decide on the best plan for you and your family.
*for Mumm Napa & Kenwood employees only.
Medical Plan Options & Drug Coverage
AETNA HIGH DEDUCTIBLE HEALTH PLAN
Available to all benefit eligible employees.
HDHP provides the lower, per pay period contribution with annual employer incentives to reduce your out-of-pocket healthcare expenses (i.e. annual deductible).
Access to Health Savings Account.
Plus or Low plan options.
AETNA ALTERNATIVE PPO PLAN
Available to all benefit eligible employees.
Provides comprehensive medical and prescription drug coverage.
Pays 100% of in-network preventative care expenses.
Offers the flexibility to receive care both in and out-of-network.
KAISER HMO*
Available to eligible Mumm Napa and Kenwood employees only.
This plan has no annual deductible but requires co-pays and coinsurance for all services, up to an annual out-of-pocket maximum (with the exception of preventive care, which is covered at 100%).
This plan also provides in-network medical and prescription drug coverage. No benefits are provided for any care or services received out-of-network.
2026 Aetna Medical & Prescription Drug Benefits Comparison
* All charges are subject to annual deductible − except in-network co-pay charges and prescription drug co-pay charges (the amount you pay toward prescription drugs, however, is subject to an annual Rx out-of- pocket maximum (see above)).
**The Reasonable & Customary charge is based on the lowest of either the actual charge, the usual charge for the same or similar service, or the charge of most providers in the same geographic area for the same or similar services as determined by the carrier.
*** You will pay the full cost of any prescriptions until you meet the medical plan deductible (note that certain maintenance and preventive medications will not be subject to the deductible); once you meet the deductible, the applicable co-pay will apply.
2026 Rates for Active Employees
Frequently Asked Questions
-
Benefit eligible employees (all US based full time employees or part time employees working a minimum of 30 hours a week) and your spouse or domestic partner, and each child of you or your spouse (or domestic partner) through the end of the month of each child’s 26th birthday.
-
Choosing a medical plan can be overwhelming, but we have many resources available to assist you. ALEX is an interactive guide that explains your benefit options and helps you choose what’s best. Check out our “Resources” page for current year summary of benefits coverage.
-
The contact information for Aetna is (866) 335-1115 or www.aetna.com. The contact information for Kaiser is (800) 464-4000 or www.members.kp.com.
-
Visit our resources page for to view the summary of benefit coverage for each plan.
-
Pernod Ricard USA employees enrolled in our Aetna health care plan are eligible for travel reimbursement for any medical procedure if there is no available provider within 100 miles of their home.
If you have any questions about this updated policy, you can call Aetna concierge at 1-866-335-1115.
Travel and Lodging Reimbursement benefit from Aetna
Effective July 1, 2022 all Pernod Ricard USA employees enrolled in our Aetna health care plan are eligible for travel reimbursement for any medical procedure if there is no available provider within 100 miles of their home.
If you have any questions about this policy, you can call Aetna concierge at 1-866-335-1115.