2023 Health, Dental and Vision Insurance Summary - Key Plan Details and Action Deadlines

Sep 19, 2026

Upload by Rhys

7/1/2023 Health, Dental and Vision Insurance Summary explains 2023 changes in Aetna premiums, plan options, and benefit structures across Base Plans 1 and 2 and Buy-Up Plans 3 and 4. It details network differences, deductible, coinsurance, out-of-pocket maximums, copays, and prescription cost sharing, plus the new optional HDHP with HSA contribution. It also covers medical ID card delivery, dental waiting-period waiver, vision rate update and Lightcare, enrollment actions via an action plan and enrollment app, qualifying events, and points of contact.

LanguageEnglish

CategoryGeneral

FormatPDF

Pages9

Reading Time3 min

AccessFree to download

2023 Overview and Premium/Benefit Changes

Medical ID Cards and Accessing Information

Plan Options and Network Differences

Base Plan 1 In-Network Benefits

Base Plan 2 (HDHP) In-Network Benefits

Buy-Up Plan 3 In-Network Benefits

Buy-Up Plan 4 In-Network Benefits

Dental Plan Updates

Vision Plan Updates

Enrollment Changes, Qualifying Events, and Deadlines

7/1/2023 Health, Dental and Vision Insurance Summary Similar to last year, we experienced a higher-than-average level of claim activity. As a result, our Aetna premiums increased 7.95% to 8.96%, depending on the selected plan. This is lower than the 2022 premium change and there are no benefit changes for Plans 1, 3, and 4 below. We have a new Base Plan 2, which is an optional High Deductible Health Plan (HDHP) coupled with a Health Savings Account (HSA) . Individuals will have the choice of selecting lesser or greater benefits using the narrow or wide area network for health-related services. All members will receive new Medical ID cards in mid/late June. They will arrive in a plain white envelope that says“Important Information Inside” and no return address. See our website for additional options to obtain cards. Plans 1, 2 & 3-KC Care Network Plus PPO (Narrower Network) The current Aetna I-35 Preferred PPO was simply renamed the KC Care Network Plus PPO. It includes key hospitals; North Kansas City, Liberty, Children’s Mercy, KU, Shawnee Mission, CenterPoint, Research, Truman, Menorah, Overland Park Regional, and Mosaic (Saint Joseph) . Mosaic and some affiliated providers are now In-Network. Please see links on our website to help in locating Mosaic providers. Base Plan 1 is the same for 2023. Base Plan 2 is the optional new High Deductible Health Plan (HDHP) . Please see pages 8-9 of this summary. Buy Up Plan 3 (2022 Plan 2) offers richer benefits with a lower Deductible, Copays, and Out of Pocket Maximum. Plan 4 (2022 Plan 3) -Open Choice PPO (Wider Network) Buy Up Plan 4 has the same benefits as Plan 1, but uses the larger Open Choice PPO network (includes St. Luke’s) . BASE PLAN 1 In-Network Benefits (KC Care Network Plus PPO) | 􀁸 $2,200 Deductible Per Person / $6,600 Per Family (Calendar Year Based) | | --- | | 􀁸 Coinsurance of 70% / 30%(Insurer/Member) | | 􀁸 Total Out-of-Pocket Maximum of $5,850 Per Person / $15,800 Per Family (Calendar Year Based) | | 􀁸 Doctor’s Office Copays of $35 & Specialists of $70 | | 􀁸 Urgent Care Copay of $70 & E. R. Copay of $250 + Coinsurance | | 􀁸 Prescription Copays of $15/50/70/150, Mail Order is 2.5 months copays for a 3-month supply. | | 􀁸 100% District Paid on an Employee Only Basis | BASE PLAN 2,(High Deductible Health Plan) In-Network Benefits (KC Care Network Plus PPO) | 􀁸 $3,000 Deductible Per Person / $6,000 Per Family (Embedded & Calendar Year Based) | | --- | | 􀁸 Coinsurance of 70% / 30%(Insurer/Member) | | 􀁸 Total Out-of-Pocket Maximum of $4,000 Per Person / $8,000 Per Family (Calendar Year Based) | | 􀁸 Doctor’s Office, Specialist, Urgent Care Copays are subject to Deductible and Coinsurance | | 􀁸 Preventative Care and Preventive Medicines covered at 100%(Deductible Waived) | | After Deductible, Prescription Drug Copays of $15/40/60/120, Mail Order is 2.5 mo. Copay for 3 mo. | | 􀁸 Includes a district paid $58 monthly contribution to your new Health Savings Account (HSA) | BUY-UP PLAN 3 In-Network Benefits (KC Care Network Plus PPO) | 􀁸 $1,650 Deductible Per Person / $4,950 Per Family (Calendar Year Based) | | --- | | 􀁸 Coinsurance of 70% / 30%(Insurer/Member) | | 􀁸 Total Out-of-Pocket Maximum of $4,700 Per Person / $14,100 Per Family (Calendar Year Based) | | 􀁸 Doctor’s Office Copays of $30 & Specialists of $60 | | 􀁸 Urgent Care Copay of $60 & E. R. Copay of $250 + Coinsurance | | 􀁸 Prescription Copays of $15/40/60/120, Mail Order is 2.5 months copays for a 3-month supply | | 􀁸 Requires a $109 monthly pre-tax employee contribution on an Employee Only Basis | BUY-UP PLAN 4 In-Network Benefits (Open Choice PPO) | 􀁸 $2,200 Deductible Per Person / $6,600 Per Family (Calendar Year Based) | | --- | | 􀁸 Coinsurance of 70% / 30%(Insurer/Member) | | 􀁸 Total Out-of-Pocket Maximum of $5,850 Per Person / $15,800 Per Family (Calendar Year Based) | | 􀁸 Doctor’s Office Copays of $35 & Specialists of $70 | | 􀁸 Urgent Care Copay of $70 and Emergency Room Copay

FAQs

What changed in Aetna premiums and plan benefits for 2023?

Aetna premiums increased 7.95% to 8.96% depending on the selected plan. There are no benefit changes for Plans 1, 3, and 4, and a new Base Plan 2 is introduced as an optional HDHP with HSA.

How do Base Plan 1 and Base Plan 2 differ in deductible and out-of-pocket maximums?

Base Plan 1 has a $2,200 per person / $6,600 per family deductible and a $5,850 per person / $15,800 per family out-of-pocket maximum. Base Plan 2 (HDHP) has a $3,000 per person / $6,000 per family deductible and a $4,000 per person / $8,000 per family out-of-pocket maximum, with preventive care covered at 100% after deductible is waived.

When will members receive Medical ID cards and what do the envelopes look like?

Medical ID cards will arrive in mid/late June in a plain white envelope labeled “Important Information Inside” with no return address.

What action is required after open enrollment and what is the deadline for the benefits action plan?

Plan or enrollment changes after open enrollment require a Qualifying Event (such as marriage, loss of other benefits, birth, or divorce). Eligible staff must complete the 2023 Benefits Action Plan no later than Wednesday, May 10th, and complete the enrollment app if adding a spouse or child(s).

Sep 19, 2026

Upload by Rhys