2024 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.
Medical Plan Options & Drug Coverage
AETNA HIGH DEDUCTIBLE HEALTH
HDHP provides the lower, per pay period contribution with annual employer incentives to reduce your out-of-pocket healthcare expenses (i.e., annual deductible). The HDHP options offer in-network and out-of-network coverage similar to the Aetna PPO plan, including in-network prescription drug coverage.
AETNA ALTERNATIVE PPO
provides comprehensive medical and prescription drug coverage, pays 100% of in-network preventative care expenses and offers the flexibility to receive care both in and out-of-network.
KAISER HMO
is offered to our eligible Mumm Napa and Kenwood employees. 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. Mumm Napa and Kenwood employees also have the option to choose the Aetna HDHP or PPO medical plans.
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 of up to an annual maximum of $10,000 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 or continue to check this site for more up-to-date information.