• Lower premiums
• High deductible, then 0% for most visits and services
• Allows you to open a tax-advantaged HSA

The Aetna Advantage POS Open Access High Deductible 3000 Plan is designed to work with contributions to a Health Savings Account (HSA).** An HSA allows you to pay for qualified medical expenses on a tax-advantaged basis. Your premium payments could be lower. The “high-deductible” part means that you'll pay more out of pocket than with most other plans before coverage begins.

Features of the POS Open Access High Deductible 3000 Plan (in-network rates)
Premiums	Lower
Annual deductible	$3,000 individual; $6,000 family
Out-of-pocket maximum	$3,000 individual; $6,000 family
Office visit fees	0% after deductible***
Prescription drug copay	0% after deductible****
Hospitalization	0% after deductible***
Skilled nursing, physical/occupational therapy,chiropractic care, home health care, durable medical equipment	0% after deductible***

Like other Aetna POS health insurance plans, the POS Open Access High Deductible 3000 Plan gives you the freedom to go directly to any recognized health care professional, including specialists, for covered expenses. The above costs apply if you choose a health care professional from Aetna's network of participating physicians, dentists and hospitals. Costs will be higher if you choose out-of-network health care professional.