Medical Plans

Learn more, make better choices.

Overview

CSC offers plans that combine comprehensive coverage with services that help you and your family stay well. As CSC's claim administrator, Aetna provides you with access to the care and treatment you need, and offers online services, tools and special programs to help you better understand your benefits and make informed health care decisions.

We invite you to learn more about how the following plans work:

• CSC Preferred Access and CSC Core Access HDHP (In-Area Feature) – These plans are available when you live in an area where there is a network of physicians and hospitals that contract with Aetna to offer services at discounted rates. You may select a Primary Care Physician (PCP), however it is not required. Each time you access care, you may choose an in-network provider to receive the highest level of benefits available through the plan and you do not have to file a claim, or you may choose an out-of-network provider and receive a lower level of benefits. If an out-of-network provider is used, benefits will be subject to a deductible and reimbursement will be based on a percentage of the reasonable and customary charge and you are responsible for filing a claim form.
• CSC Preferred Access and CSC Core Access HDHP (Out-Area Feature) – These plans are only available if you live in an area where there is no contracted provider network (based on your home ZIP Code). The Out-of-Area feature provides traditional indemnity benefits. After your deductible is reached, the Out-of-Area feature reimburses covered health care costs at a percentage of the reasonable and customary charges.

The CSC Core Access HDHP is a high-deductible health plan. If you elect this plan (in-area or out-of-area), you are eligible to enroll in a tax-favored Health Savings Account (HSA) that you can use to help pay current and/or future qualified medical expenses.

• Managed Choice® POS – (CSR & CWA Local 1298 employees only) – This is a point-of-service plan that gives you the coordinating services of a PCP, plus the option to self-refer when you need specialty care.
• Choice® POS II (CSR non-union employees only) – This plan gives you access to a network of physicians and hospitals that contract with Aetna to offer services at discounted rates. You may select a Primary Care Physician (PCP), however it is not required. Each time you access care, you may choose an in-network provider to receive the highest level of benefits available through the plan and you do not have to file a claim, or you may choose an out-of-network provider and receive a lower level of benefits. If an out-of-network provider is used, benefits will be subject to a deductible and reimbursement will be based on a percentage of the reasonable and customary charge and you are responsible for filing a claim form.
• CSR Open Access HMO – This is a plan that allows you to go directly to any network provider when you need care – with no referrals required. The plan does not require you to select a PCP and there are no claim forms to complete. When you need care, you choose a network provider and make an appointment directly. For most covered services, you pay a copay, or flat fee. If you receive care from an out-of-network provider, you pay the entire cost.