Health Coverage : Full-Time Employees

Information for: Full-Time Employees

FIT offers full-time employees the Aetna Choice POS II Plan described below.  New hires have 31 days from their date of hire to enroll in the plan or to waive coverage.  If you enroll in the plan, coverage begins on your 31st day of employment with FIT.  The College currently pays the full cost of either individual or family coverage*. 

Plan features include:

  • Option of receiving services from In-Network (participating) or Out-of-Network (non-participating) providers anywhere in the U.S.
  • No requirement to designate a Primary Care Physician (PCP)
  • No referrals required for care by an In-Network Specialist 
  • Most In-Network services are covered with a copayment of $25 for a PCP type provider or a copayment of $50 for a Specialist 
  • No copayment is required when you receive preventive services from an In-Network provider, such as routine adult physical exams, routine gynecological exams, and routine mammograms (subject to frequency limitations)
  • Laboratory and/or X-Ray services from an In-Network provider require a $25 copayment
  • Eligible Out-of-Network services require that you met a $500 calendar year deductible ($1,500 family deductible) for eligible services and then claims are paid at 80% of the Reasonable and Customary charges set by Aetna

You can find an In-Network provider through Aetna's online provider directory. Enter your search criteria and when prompted chose "Aetna Choice® POS II (Open Access)" from the "Aetna Open Access Plans" section. The Aetna Choice POS II Plan Booklet (.pdf) provides a comprehensive guide to plan benefits and coverage.  You may also refer to the Choice POS II Plan Schedule of Benefits (.pdf), the Choice POS II Plan Schedule of Benefits - Korea (.pdf), the Summary of Benefits and Coverage (.pdf), the Summary of Benefits and Coverage - Korea (.pdf), and the Choice POS II Plan Guide (.pdf).

You may cover a spouse, a same or opposite-gender domestic partner*, and qualified children under the age of 26.  Along with the health care plan enrollment form, supporting documentation is required when enrolling a dependent such as your marriage certificate, a child's birth certificate, a certificate of registered domestic partnership or alternative documentation (.pdf) if domestic partnership registration is not available where you reside, and copies of Social Security cards for each person enrolling in the Plan.  Imputed income taxation applies to domestic partner coverage.  For information on the current taxation rates, please contact a benefits representative.

Once you are enrolled, you may register and create an account on Aetna's website to view eligibility, claims history, and discounts (.pdf) available to Aetna members.  A mobile app is also available.  You may contact Aetna's members' services department by calling (800) 962-6842.

Waiver of Coverage:

If you are covered by another Health Care Plan, you may elect to waive coverage in FIT's plan and currently receive a $50.00 per pay period taxable waiver payment from the College.  To receive waiver payments you must complete and submit a health care plan enrollment form within 31 days of your date of hire indicating that you want to waive coverage.

Important Enrollment Information:

As a new hire, if you do not enroll in the Health Care Plan within 31 days of your date of hire, you will have an opportunity to enroll during the next Annual Benefits Open Enrollment Period which is held in November of each year for coverage that will become effective the following January 1.

If you wish to enroll or add/remove a dependent from your coverage outside the Annual Benefits Open Enrollment Period due to a qualified life event as defined by the IRS (e.g. marriage, birth, divorce, loss of other coverage), you must notify a benefits representative in the Office of Human Resources within 31 days of the event.  If notification does not occur within 31 days of the event, you must wait until the next Annual Benefits Open Enrollment Period to make the change that will become effective the following January 1. Be advised that you may not cover a divorced spouse or domestic partner after the partnership is dissolved.  Even if you miss the 31 day notification deadline you must notify a benefits representative immediately to report the change in family status.

*   Subject to change.