The Smart Health Plan Easy and Affordable Lower Monthly Premiums Health and Wellness Card The Aqua Deductible Out-of-Pocket Expenses The Aqua Safety Net Pharmacy Benefit What’s Not Included Benefits Packages How Aqua Works Aqua FAQs

 

Aqua Deductible.

Once your employees spend all of their Aqua Allowance, they pay the cost of any additional expenses until they reach their deductible. You have two deductible options from which to choose for your employees: $500 single/$1,000 family or $1,000 single/$2,000 family.

How it Works.

After using all of their Aqua Allowance, plan members will use their personal funds to pay for most of their medical expenses. Knowing the deductible will eventually require them to use their own money, employees are motivated to stay healthy and effectively manage any ongoing medical conditions.

Aqua Network of Providers.

Employees who are meeting their deductible may use both in-network and out-of-network services. When using the Aqua Network, Aqua members get full advantage of the discounted rates with those physicians and other medical providers. When using out-of-network providers, there is no discount.

Cost of Care.

Again, it is to your employees’ best financial advantage for them to use in-network services with the lower accompanying prices than out-of-network providers — but it’s always their choice. The deductible does not count toward the annual out-of-pocket maximum.

Annual Plan.

Aqua members start each year with a new deductible — out-of-pocket expenses do not carry over from year to year. However, employees may carry over up to $500 (single) and $1,000 (family) of their unused Aqua Allowance into the next year. These rollover funds serve as a safety net towards next year’s out-of-pocket expenses and deductible.