CSC Core Access HDHP - In-Area Feature

Open access to care providers with no referrals required.

The CSC Core Access HDHP is a high-deductible health plan that combines comprehensive medical coverage with a tax-favored Health Savings Account (HSA).

How the plan works

When you enroll in the CSC Core Access HDHP, you have the option of enrolling in the Health Savings Account (HSA). This is a tax-favored account you can use to help pay current qualified medical expenses or save for future expenses. Learn more.

When you need care, you have a choice:

You may visit an in-network provider.

You may make an appointment directly with a primary care provider, specialty care provider or other health care provider who belongs to Aetna's network – no referral is required.

When you visit an in-network provider:

• The plan will cover preventive services (such as routine physical exams and cancer screenings) at 100% with no deductible required.
• You will be required to meet an integrated medical and prescription drug deductible before the plan begins to pay benefits for other types of services.
• After you meet the deductible, you and the plan will share in the cost of your care. This arrangement is called coinsurance. The plan will then pay a percentage of covered expenses, and you’ll pay a percentage. If you enroll in the Health Savings Account, you can use your account to pay your share of qualified medical expenses covered under the plan.
• The plan will pay a higher level of coinsurance reimbursement for covered services than if you use out-of-network providers.
• Your in-network provider will take care of the plan’s precertification requirements.
• Your in-network provider will file claims for you.

You may visit an out-of-network provider.

You also may make an appointment directly with a primary care provider, specialty care provider or other health care provider who does not belong to Aetna's network – no referral is required.

When you use an out-of-network provider:

• You must meet a higher deductible each year before the plan starts to pay benefits.
• After you meet the deductible, the plan will pay a percentage of the remaining expense (coinsurance). This percentage will be lower than it would be if you used an in-network provider. In addition, the plan's benefit will be based on the reasonable and customary charge for a given service. If the reasonable and customary charge is lower than the actual charge, you must pay the difference. If you elect a Health Savings Account, you may use it to pay your share of qualified medical expenses covered under the plan.
• You must call Aetna to start precertification for certain types of care.
• You may be required to file your own medical claims.