As an eligible Sonos employee you have a choice of medical plans with a range of coverage levels and costs, so you have the flexibility to select the option that’s best for you. All of the options provide comprehensive medical and prescription drug coverage. For complete cost and coverage details and to enroll, visit Workday.
Depending on where you live and work, you will be able to choose from the following Sonos medical plan options.
Plan | Description |
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Preferred Provider Organization (PPO) Plan Administered by Aetna
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A PPO plan gives you access to a network of licensed physicians and health care facilities that agree to charge members discounted fees. |
Consumer-Driven Health Plan (CDHP) Administered by Aetna
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A CDHP has a higher deductible, but this plan puts you in charge of your spending through lower per-paycheck premiums and the ability to contribute to a tax-advantaged Health Savings Account (HSA). |
Health Maintenance Organization (HMO) Plans Administered by Aetna in California and Tufts Health Plan in Massachusetts/select New England areas |
HMO plans provide benefits only when you receive care from doctors and facilities in the HMO network. Care must be coordinated by your Primary Care Provider. You’re not required to pay an annual deductible for this plan. You’ll pay the fixed copay for each service or visit, and then the HMO pays 100% of the remaining cost for most eligible medical expenses. |
Compare the plans |
All of the medical plans available through Sonos offer:
that also fulfills the requirements of the health care reform law. Tip: If you need extra protection from large or unexpected medical expenses, you may also choose to enroll in supplemental medical coverage.
with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.
included with each medical plan.
through annual out-of-pocket maximums that limit the amount you’ll pay each year.
Sonos offers a PPO plan that lets you receive care from any licensed physician or health care facility in the PPO and gives you access to network providers who agree to charge members discounted fees. You can receive care from an in-network provider anywhere in the U.S., and your claims will be paid at the negotiated rate, which saves you money. If you go to a non-PPO (out-of-network) provider, you’ll pay a percentage of a maximum allowable amount.
Here are ways to make the most of your plan all year long.
Using an in-network doctor for your care will save you money. Search for network providers on the Aetna website.
Log in to the Aetna website to see how much of your deductible you’ve met, review claims, use helpful tools, and more.
You pay higher premiums than the CDHP medical option, in exchange for assuming less financial responsibility when you receive care, so it’s smart to plan ahead. Consider contributing to a tax-advantaged Flexible Spending Account (FSA) to cover your expected out-of-pocket costs, such as your annual deductible and coinsurance.
If you are newly enrolling in an Aetna plan or have not registered with Aetna Navigator, you will receive a plastic ID card in the mail. If you’re an existing member and are registered on Aetna Navigator, at the start of each year, you will receive an email that explains how to retrieve your electronic ID card online.
To request a physical ID card at any time for you or a dependent, go to Aetna Navigator, call Aetna HMO Member Services at 800.445.5299, or call Aetna PPO/CDHP Member Services at 877.204.9186.
A consumer-driven health plan (CDHP) has two parts that work together to provide you with comprehensive coverage:
High Deductible Medical Plan | + | Health Savings Account (HSA) | = | CDHP |
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The CDHP works like a traditional PPO plan in many ways, but it also has key differences:
How it's the same | How it's different |
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Keep in mind: Individuals enrolled in family coverage only need to satisfy the individual deductible and out-of-pocket maximum. You won’t be responsible for paying more than the amounts listed (see the CDHP chart).
Here are ways to make the most of your plan all year long.
Using an in-network doctor for your care will save you money. Search for network providers on the Aetna website.
Log in to Aetna’s website to see how much of your deductible you’ve met, review claims, use helpful tools, and more. Likewise, keep tabs on your HSA by logging in to HealthEquity to view your balance, submit claims, and more.
Contribute enough to your HSA to cover your expected out-of-pocket costs, such as your annual deductible and coinsurance.
Adjust your contributions as necessary during the year to make sure you have money available when you need it. You can only spend HSA money that’s actually been deposited into your account.
You will never forfeit any money left in your HSA — it rolls over year after year. If you know about future expenses — or if you want to save for your health care costs in retirement — set aside a little extra each paycheck so your balance can grow over time.
With the CDHP, you can contribute money to an HSA, administered by HealthEquity.
2023
If you are age 55 or older, you can contribute an additional $1,000 each year.
2024
If you are age 55 or older, you can contribute an additional $1,000 each year.
Use your HSA together with a Limited Purpose FSA for additional tax savings.
The HMOs provide coverage only when you receive care from providers within the HMO network (except for life-threatening emergencies). Your Primary Care Provider (PCP) will coordinate your care to help manage costs.
Here are ways to make the most of your plan all year long.
Your doctor will manage your care and provide referrals if you need to see a specialist. Search for network providers on the Aetna or Tufts websites.
If you enroll in the Health Care FSA when enrolling in the HMO, you can set aside pre-tax dollars to help pay for your out-of-pocket costs.
as you are only allowed to roll over up to $610 of unused money in your FSA to the next year; you will forfeit amounts above $610. (2024 funds can be used for expenses incurred January 1, 2024, through March 15, 2025.)
You’ll pay more (and likely face a long wait) if you go to the emergency room for issues that could be resolved at an urgent care center or your doctor’s office.
The following is a brief summary of plan benefits. Be sure to review the Employee Premiums for each plan, and use the ALEX Go tool (available October 30) to compare what you'll pay under each medical plan option for different health care usage scenarios.
Aetna PPO Classic | Aetna CDHP (HSA Eligible) |
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Medical Plan Premiums |
Employee Only: $57.30 Employee + Spouse/DP: $135.48 Employee + Child(ren): $116.04 Family: $189.60 |
Employee Only: $15.12 Employee + Spouse/DP: $67.30 Employee + Child(ren): $50.18 Family: $125.52 |
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Medical Plan Coverage | In-Network: Member Pays |
Out-of-Network: Member Pays |
In-Network: Member Pays |
Out-of-Network: Member Pays |
Annual Deductible | ||||
Per Member | $500 | $750 | $1,600 | $5,000 |
Per Family | $1,500 | $2,250 | $3,200 | $10,000 |
Per Individual in Family Coverage | N/A | N/A | $3,200 | $5,000 |
Annual Out-of-Pocket Maximum | ||||
Per Member | $3,000 | $10,000 | $6,500 | $15,000 |
Per Family | $6,000 | $20,000 | $13,000 | $30,000 |
Per Individual in Family Coverage | N/A | N/A | $6,500 | $15,000 |
Lifetime Maximum | Unlimited | Unlimited | Unlimited | Unlimited |
Primary Care | ||||
Office Services | $25 copay* | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Preventive Care (immunizations, OB/GYN exam, routine mammogram & colonoscopy) | 100% covered* | Deductible, then 40% | 100% covered* | Deductible, then 30% |
Diagnostic Lab | Deductible, then 20% | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Advanced Imaging (MRI, CT, etc.) | Deductible, then 20% | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Specialty Care | ||||
Specialist | $35 copay* | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Acupuncture | $25 copay* | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Physical Therapy/Speech Therapy | $35 copay* | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Inpatient Hospital/Facility Services | ||||
Admission (including maternity) | Deductible, then 20% | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Skilled Nursing Facility | Deductible, then 20% | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Outpatient Hospital/Ambulatory Care Facilities | ||||
Urgent Care | $25 copay* | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Emergency Room Services (copay waived if admitted) | Deductible, then 20% after $200 copay | Deductible, then 20% after $200 copay | Deductible, then 10% | Deductible, then 10% |
Outpatient Surgery | Deductible, then 20% | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Infertility Benefits | ||||
Gamete Intrafallopian Transfer (GIFT) | Deductible, then 20% | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Artificial Insemination, IVF, ZIFT, ICSI | Deductible, then 20% | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
*Deductible does not apply. Please refer to the plan summaries for information on infertility benefits and applicable lifetime limitations and maximums. |
Aetna PPO Classic | Aetna CDHP (HSA Eligible) |
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In-Network: Member Pays | Out-of-Network: Member Pays | In-Network: Member Pays | Out-of-Network: Member Pays | |
Prescription Drugs – Retail (30-day supply) Deductible does not apply for 30-day prescriptions under the PPO plan. Coverage for 30-day prescriptions under the CDHP plan is subject to the plan’s calendar-year deductible. | ||||
Female Oral Contraceptives | No copay | Not covered | No copay (deductible waived) |
Not covered |
Generic | $10 copay | 50% | Deductible, then $10 copay | Deductible, then 30% |
Brand Formulary | $30 copay | 50% | Deductible, then $30 copay | Deductible, then 30% |
Brand Non-formulary | $50 copay | 50% | Deductible, then $50 copay | Deductible, then 30% |
Prescription Drugs – Mail Order (90-day supply) Deductible does not apply when placing a mail order under the PPO plan, but the deductible does apply to the CDHP plan. | ||||
Female Oral Contraceptives | No copay | 50% | No copay (deductible waived) |
30% |
Generic | $10 copay | 50% | Deductible, then $10 copay | Deductible, then 30% |
Brand Formulary | $60 copay | 50% | Deductible, then $60 copay | Deductible, then 30% |
Brand Non-formulary | $100 copay | 50% | Deductible, then $100 copay | Deductible, then 30% |
Specialty Drugs – Supply Limitation Varies by Drug | 30% ($30 minimum, $120 maximum) | Not covered | Deductible, then 30% ($30 minimum, $120 maximum) | Not covered |
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California Aetna HMO: Member Pays |
Massachusetts Tufts Health Plan HMO: Member Pays |
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Medical Plan Premiums |
Employee Only: $55.61 Employee + Spouse/DP: $132.60 Employee + Child(ren): $111.10 Family: $183.78 |
Employee Only: $48.59 Employee + Spouse/DP: $123.37 Employee + Child(ren): $101.87 Family: $174.55 |
Annual Deductible | ||
Per Member | None | None |
Per Family | None | None |
Annual Out-of-Pocket Maximum
Per Member |
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Per Member | $2,500 | $6,350 |
Per Family | $5,000 | $12,700 |
Lifetime Maximum | Unlimited | Unlimited |
Office Visits | $30 copay | $35 copay for primary care, $45 copay for specialists |
Preventive Care (immunizations, OB/GYN exam, routine mammogram & colonoscopy) | 100% covered | 100% covered |
Diagnostic Lab | No copay | No copay |
Advanced Imaging (MRI, CT, etc.) | $100 copay | $100 copay |
Specialty Care | ||
Specialist | $40 copay | $40 copay |
Acupuncture | $15 copay | $30 copay |
Physical Therapy/Speech Therapy | $30 copay | $40 copay |
Inpatient Hospital/Facility Services | ||
Admission (including maternity) | $250/admission | $1,000/admission |
Skilled Nursing Facility | $250 copay | No copay |
Outpatient Hospital/Ambulatory Care Facilities | ||
Urgent Care | $30 copay | $40 copay |
Emergency Room Services (copay waived if admitted) | $100 copay | $150 copay |
Outpatient Surgery | $125 copay | $500 copay |
Infertility Benefits | ||
Gamete Intra-fallopian Transfer (GIFT) | $40 copay | Member responsibility varies based on service. Please reference the Tufts Summary Plan Description for more information |
Natural Artificial Insemination | $40 copay | Member responsibility varies based on service. Please reference the Tufts Summary Plan Description for more information |
Prescription Drugs – Retail (30-day supply) | ||
Female Oral Contraceptives | No copay | No copay |
Generic | $10 copay | $15 copay |
Brand Formulary | $30 copay | $45 copay |
Brand Non-formulary | $50 copay | $60 copay |
Specialty and Select Brand | N/A | $100 copay |
Prescription Drugs – Retail (90-day supply) | ||
Female Oral Contraceptives | No copay | No copay |
Generic | $10 copay | $30 copay |
Brand Formulary | $60 copay | $90 copay |
Brand Non-formulary | $100 copay | $180 copay |
Specialty and Select Brand | N/A | $300 copay |
Drugs – Supply Limitation Varies by Drug | 30% ($100 maximum) | Copay based on the applicable drug category listed above |
Aetna PPO Classic | Aetna CDHP (HSA Eligible) |
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Medical Plan Premiums |
Employee Only: $50.68 Employee + Spouse/DP: $121.63 Employee + Child(ren): $104.51 Family: $173.45 |
Employee Only: $15.12 Employee + Spouse/DP: $62.42 Employee + Child(ren): $47.87 Family: $118.60 |
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Medical Plan Coverage | In-Network: Member Pays |
Out-of-Network: Member Pays |
In-Network: Member Pays |
Out-of-Network: Member Pays |
Annual Deductible | ||||
Per Member | $350 | $350 | $1,500 | $3,000 |
Per Family | $1,050 | $1,050 | $3,000 | $6,000 |
Per Individual in Family Coverage | N/A | N/A | $3,000 | $3,000 |
Annual Out-of-Pocket Maximum | ||||
Per Member | $2,500 | $6,500 | $5,000 | $10,000 |
Per Family | $5,000 | $13,000 | $10,000 | $20,000 |
Per Individual in Family Coverage | N/A | N/A | $5,000 | $10,000 |
Lifetime Maximum | Unlimited | Unlimited | Unlimited | Unlimited |
Primary Care | ||||
Office Services | $25 copay* | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Preventive Care (immunizations, OB/GYN exam, routine mammogram & colonoscopy) | 100% covered* | Deductible, then 40% | 100% covered* | Deductible, then 30% |
Diagnostic Lab | Deductible, then 20% | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Advanced Imaging (MRI, CT, etc.) | Deductible, then 20% | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Specialty Care | ||||
Specialist | $35 copay* | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Acupuncture | $25 copay* | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Physical Therapy/Speech Therapy | $35 copay* | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Inpatient Hospital/Facility Services | ||||
Admission (including maternity) | Deductible, then 20% | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Skilled Nursing Facility | Deductible, then 20% | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Outpatient Hospital/Ambulatory Care Facilities | ||||
Urgent Care | $25 copay* | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Emergency Room Services (copay waived if admitted) | Deductible, then 20% after $200 copay | Deductible, then 20% after $200 copay | Deductible, then 10% | Deductible, then 10% |
Outpatient Surgery | Deductible, then 20% | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Infertility Benefits | ||||
Gamete Intrafallopian Transfer (GIFT) | Deductible, then 20% | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
Artificial Insemination, IVF, ZIFT, ICSI | Deductible, then 20% | Deductible, then 40% | Deductible, then 10% | Deductible, then 30% |
*Deductible does not apply. Please refer to the plan summaries for information on infertility benefits and applicable lifetime limitations and maximums. |
Aetna PPO Classic | Aetna CDHP (HSA Eligible) |
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---|---|---|---|---|
In-Network: Member Pays | Out-of-Network: Member Pays | In-Network: Member Pays | Out-of-Network: Member Pays | |
Prescription Drugs – Retail (30-day supply) Deductible does not apply for 30-day prescriptions under the PPO plan. Coverage for 30-day prescriptions under the CDHP plan is subject to the plan’s calendar-year deductible. | ||||
Female Oral Contraceptives | No copay | Not covered | No copay (deductible waived) |
Not covered |
Generic | $10 copay | 50% | Deductible, then $10 copay | Deductible, then 30% |
Brand Formulary | $30 copay | 50% | Deductible, then $30 copay | Deductible, then 30% |
Brand Non-formulary | $50 copay | 50% | Deductible, then $50 copay | Deductible, then 30% |
Prescription Drugs – Mail Order (90-day supply) Deductible does not apply when placing a mail order under the PPO plan, but the deductible does apply to the CDHP plan. | ||||
Female Oral Contraceptives | No copay | 50% | No copay (deductible waived) |
30% |
Generic | $10 copay | 50% | Deductible, then $10 copay | Deductible, then 30% |
Brand Formulary | $60 copay | 50% | Deductible, then $60 copay | Deductible, then 30% |
Brand Non-formulary | $100 copay | 50% | Deductible, then $100 copay | Deductible, then 30% |
Specialty Drugs – Supply Limitation Varies by Drug | 30% ($30 minimum, $120 maximum) | Not covered | Deductible, then 30% ($30 minimum, $120 maximum) | Not covered |
|
California Aetna HMO: Member Pays |
Massachusetts Tufts Health Plan HMO: Member Pays |
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Medical Plan Premiums |
Employee Only: $48.59 Employee + Spouse/DP: $118.75 Employee + Child(ren): $99.56 Family: $167.63 |
Employee Only: $48.59 Employee + Spouse/DP: $118.75 Employee + Child(ren): $99.56 Family: $167.63 |
Annual Deductible | ||
Per Member | None | None |
Per Family | None | None |
Annual Out-of-Pocket Maximum
Per Member |
||
Per Member | $2,000 | $6,350 |
Per Family | $4,000 | $12,700 |
Lifetime Maximum | Unlimited | Unlimited |
Office Visits | $30 copay | $30 copay |
Preventive Care (immunizations, OB/GYN exam, routine mammogram & colonoscopy) | 100% covered | 100% covered |
Diagnostic Lab | No copay | No copay |
Advanced Imaging (MRI, CT, etc.) | $100 copay | $100 copay |
Specialty Care | ||
Specialist | $40 copay | $40 copay |
Acupuncture | $15 copay | $30 copay |
Physical Therapy/Speech Therapy | $30 copay | $40 copay |
Inpatient Hospital/Facility Services | ||
Admission (including maternity) | $250/admission | $1,000/admission |
Skilled Nursing Facility | $250 copay | No copay |
Outpatient Hospital/Ambulatory Care Facilities | ||
Urgent Care | $30 copay | $40 copay |
Emergency Room Services (copay waived if admitted) | $100 copay | $150 copay |
Outpatient Surgery | $125 copay | $500 copay |
Infertility Benefits | ||
Gamete Intra-fallopian Transfer (GIFT) | $40 copay | Member responsibility varies based on service. Please reference the Tufts Summary Plan Description for more information |
Natural Artificial Insemination | $40 copay | Member responsibility varies based on service. Please reference the Tufts Summary Plan Description for more information |
Prescription Drugs – Retail (30-day supply) | ||
Female Oral Contraceptives | No copay | No copay |
Generic | $10 copay | $15 copay |
Brand Formulary | $30 copay | $35 copay |
Brand Non-formulary | $50 copay | $50 copay |
Specialty and Select Brand | N/A | N/A |
Prescription Drugs – Retail (90-day supply) | ||
Female Oral Contraceptives | No copay | No copay |
Generic | $10 copay | $30 copay |
Brand Formulary | $60 copay | $70 copay |
Brand Non-formulary | $100 copay | $150 copay |
Specialty and Select Brand | N/A | N/A |
Drugs – Supply Limitation Varies by Drug | 30% ($100 maximum) | Copay based on the applicable drug category listed above |
Using in-network providers saves you money. Here’s how to find doctors in your medical plan network.
You can also review the Tufts Health Plan Service Area Map to see what types of providers are available in your area.
Not a member yet? To search medical providers before enrolling:
If you’re enrolled in an Aetna medical plan, telemedicine is provided through Teladoc. Costs for virtual care are shown in the table below.
Aetna CDHP* | Aetna PPO | Aetna HMO | |
---|---|---|---|
Teladoc virtual medical visit | $49 copay | $25 copay | $40 copay |
Teladoc virtual behavioral health visit | Therapist: $85 copay Psychiatrist:
|
$35 copay | No cost |
Teladoc virtual dermatology visit | $75 copay | $35 copay | $40 copay |
*If you are enrolled in the Aetna CDHP, you pay the full costs shown here until you satisfy the deductible. After you meet the deductible, you pay 10% of the cost.
To get started log onto Teladoc or call 855.835.2362.
If you’re enrolled in the Tufts Health Plan, telemedicine is provided through Teladoc. Costs for virtual care are as follows:
To get started, log onto Teleadoc or call 855.835.2362.
All Sonos medical plans include prescription drug coverage. When you purchase a prescription drug, you will pay a copay or coinsurance. Your copay will depend on the type of prescription (generic, brand formulary, brand non-formulary, or specialty) and on how the prescription is filled (retail or mail order).
The cost of your prescription drugs under each medical plan depends on the tier of the medication. Below are some important terms that you should know:
The cost of prescription drugs is rising faster than many other health care services and supplies. But, there are ways for you to save:
If you have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your prescription drug coverage. See Important Notice from Sonos About Your Prescription Drug Coverage and Medicare.
2023 costs: The chart below shows the paycheck deduction you will pay on bi-weekly basis for your 2023 medical coverage.
Enrollment Tier | PPO Aetna | CDHP Aetna | CA HMO Aetna | MA HMO Tufts Health Plan |
---|---|---|---|---|
Employee Only | $50.68 | $15.12 | $48.59 | $48.59 |
Employee + Spouse/DP* | $121.63 | $62.42 | $118.75 | $118.75 |
Employee + Child(ren) | $104.51 | $47.87 | $99.56 | $99.56 |
Family | $173.45 | $118.60 | $167.63 | $167.63 |
*Domestic partner premiums are subject to pre- and post-tax costs and includes imputed income.
2024 costs: The chart below shows the paycheck deduction you will pay on bi-weekly basis for your 2024 medical coverage.
Enrollment Tier | PPO Aetna | CDHP Aetna | CA HMO Aetna | MA HMO Tufts Health Plan |
---|---|---|---|---|
Employee Only | $57.60 | $15.12 | $55.51 | $48.59 |
Employee + Spouse/DP* | $135.48 | $67.03 | $132.60 | $123.37 |
Employee + Child(ren) | $116.04 | $50.18 | $111.10 | $101.87 |
Family | $189.60 | $125.52 | $183.78 | $174.55 |
*Domestic partner premiums are subject to pre- and post-tax costs and includes imputed income.
Here are a number of tools to help you select your benefits each year, as well as to help you manage your health all year long.
TouchCare is our health care concierge service. This benefit is provided at no cost to you, and you're automatically enrolled. TouchCare helps you with things like:
More information is also available at Backstage.
To speed up your decision-making process, use ALEX Go (available October 30)! This tool allows you to:
If you’re enrolled in an Aetna medical plan, visit Aetna’s website and find a number of resources to help you manage your health.
Here’s what you can do online:
More resources from Aetna:
If you're enrolled in the Tufts Health Plan, register on the Tufts Health Plan website to get instant secure access to your personal health plan information.
Here’s what you can do online: