As Easy to Use As It Is Affordable.

First-dollar coverage so everyone gets some benefit from their health plan – even the healthy ones.
Lower rates for their health care – annual physicals, eye exams, pharmacy, x-ray and lab work – rates are established through the buying power of BlueShield of Northeastern New York so employees’ health care dollars stretch even further.
Full hospitalization – no deductible or coinsurance for in-network hospitalization.
Prescription coverage – only $7 for generics and a mail order option for greater savings – and almost all generic drugs are covered.
An out-of-pocket maximum that won’t force a family into bankruptcy to pay its medical bills.
No referrals and a comprehensive network – your employees decide who they want to deliver their care.
No claim forms to file – when in-network services are used.
Help staying healthy – a swipe and pay health card for health and wellness programs – $250 (single) or $500 (family).
Savings for the future – your employees can “roll over” up to $500 (single) and $1,000 (family) from the unused part of their Aqua Allowance from year to year.

With Aqua, In-Network Hospitalization and Well-Child Visits are Covered in Full. Period.

Monthly Aqua Premium	Aqua Allowance	Aqua Health and Wellness Card
Pay the low monthly Aqua premium.	Employees are given a $500 (single) or $1,000 (family) Aqua Allowance to be used as “first dollar” coverage for any covered medical expenses in or out-of-network.	Employees are given an Aqua Health and Wellness Card to be used for massage, chiropractic care, acupuncture or a gym membership. $250 (single) or $500 (family).

Aqua Deductible	Aqua Cost Share	Aqua Safety Net
When your employee's Aqua Allowance is depleted, they pay a deductible of $500 (single) or $1,000 (family) for any covered medical expenses in or out-of-network.	After the deductible is met, Aqua pays 80% and your employee pays 20% of the cost of in-network medical care. The out-of-pocket maximum is $2,500 (single) or $5,000 (family).	Once the out-of-pocket maximum is met, Aqua pays 100% of your employee's covered expenses for the rest of the year.

Aqua Deductible	Aqua Cost Share	Aqua Safety Net
When your employee's Aqua Health Allowance is depleted, they pay a deductible of $1,000 (single) or $2,000 (family) for any covered medical expenses in or out-of-network.	After the deductible is met, Aqua pays 80% and your employee pays 20% of the cost of in-network medical care. The out-of-pocket maximum is $3,500 (single) or $7,000 (family).	Once the out-of-pocket maximum is met, Aqua pays 100% of your employee's covered expenses for the rest of the year.