Medical Coverage

Emory offers comprehensive medical coverage to help protect you and your family from catastrophic medical costs. You can select from two different types of plans, depending on your needs and budget:

Eligibility

  • Regular full-time or part-time employees scheduled to work 20 hours or more per week are eligible. Eligible employees scheduled to work less than 30 hours per week will pay different medical plan contributions than those scheduled to work 30 hours or more.
  • Full-time temporary positions on a six-month or longer assignment are eligible.
  • If you elect coverage, your eligible dependents are also eligible for medical coverage.

Coverage begins on an employee's date of hire. If you are benefits-eligible, you must enroll during your first 31 days of employment with Emory.

HSA Plan

The HSA Plan is a consumer-driven medical plan that puts you in charge of how your health care dollars are spent. The plan comes with a tax-advantaged health savings account (HSA), funded in part by Emory, that you can use to pay for your medical expenses. The HSA Plan has a higher deductible and out-of-pocket maximum than the POS Plan, but employee contribution amounts (monthly or biweekly rates) are lower.

View HSA Plan

POS Plan

The POS Plan is a more traditional medical plan that uses copays and coinsurance to pay for services. The deductible and out-of-pocket maximum is lower than the HSA Plan, but the employee contribution amounts are higher.

View POS Plan

Networks

Both plans have three network options:

  • Tier 1: The Tier 1 Network includes the Emory Healthcare Network (EHN) along with new Emory facilities: Emory Decatur, Emory Hillandale and Emory Long Term Acute Care facilities. Tier 1 also includes all EHN and DeKalb Physician Hospital Organization (DPHO) providers. This network’s facilities and providers offer the lowest copays, coinsurance and deductibles.
  • Tier 2: Formerly known as the Aetna In-Network, the Tier 2 Network includes providers and facilities contracted through Aetna’s national network. Copays, coinsurance and deductibles are higher than Tier 1 providers.
  • Tier 3: Formerly known as Out-of-Network, this network includes providers and facilities not participating in Aetna and has the highest costs associated with it.

To locate a physician or facility in the Tier 1 or Tier 2 or Network, use Aetna's DocFind:

Go to DocFind

Compare the Plans

Before choosing a plan, consider all of the costs involved, not just your monthly/biweekly rates, but also out-of-pocket expenses like deductibles, coinsurance and copays. Also, try to estimate what your anticipated medical expenses will be for the upcoming year. The following tools can help you:

Medical plan rates

View monthly/biweekly employee contribution amounts for the current plan year.

View rates

Medical plan comparison chart

Compare deductibles, out-of-pocket maximums, copays, coinsurance and other medical expenses for both plans within the three different network options.

See chart

Plan selection and cost estimator tool

Use Aetna's Plan Selection and Cost Estimator Tool to compare your costs and model different scenarios to determine which plan would be most economical for you.

Go to the tool

How to Enroll

New Hires

Eligible employees can enroll through Self-Service anytime during the first 31 days of employment. View Step-by-Step Enrollment Instructions

If you do not enroll during your first 31 days of employment, you will not receive coverage. Your next opportunity to enroll will be during annual enrollment.

Current Employees

Employees are provided an opportunity to make changes to their benefits each year during annual enrollment (held in the fall).