Medical

Your needs are unique. The Endeavor employee benefits program includes four medical plan options with a range of coverage levels and costs, so you can choose the one that’s best for you and your family. These plans are all administered by Aetna | Endeavor. You can enroll as a new hire, during Open Enrollment, or if you have a qualifying life event. To see your contributions and enroll, log in to Workday.

2024 medical plans

Key features at a glance

All our medical plans provide

Comprehensive, affordable coverage

for a wide range of health care services. Tip: If you need extra protection from large or unexpected medical expenses, you may also choose to enroll in supplemental medical coverage.

In-network preventive care covered at 100%,

including annual physicals, recommended immunizations, and routine cancer screenings, so you can protect your health. See more covered preventive services.

Prescription drug coverage

included with each medical plan. Prescription benefits are provided by Aetna | Endeavor.

Access to a broad network of providers

who have agreed to discounted fees for covered services. All plans (except the Open Access Network Only 80/0 Plan, which does not provide out of-network coverage for non-emergency care) offer the flexibility to see any provider you choose, but you’ll receive a higher level of coverage when you stay in-network.

Financial protection

through annual out-of-pocket maximums that limit the amount you’ll pay each year.

See how the plans compare

Plan comparison

Save money

Use these tips to reduce your health care costs.

Connect with a doctor 24/7

Take advantage of telehealth for convenience and savings.

The High Deductible Health Plan with HSA (HDHP) offers low-contribution, high-deductible coverage to give you more control over your money and reward you for making healthy, cost-conscious choices. You can also save on healthcare expenses through tax-free contributions to a Health Savings Account (HSA). With this plan, you can see any provider you wish, but you will pay less when you stay in-network.

How the High Deductible Health Plan with HSA (HDHP) works

You pay the plan’s contributions from your paycheck to have coverage.

Deductible

You pay 100% of the costs until you meet the annual deductible. Note that the deductible considers the overall expenses of the entire family, meaning that once the family's cumulative expenses reach the family deductible, the insurance starts covering everything for everyone in the family.

Coinsurance

After meeting the annual deductible, your share of the cost for these same services is 20% in-network. If you go out of network, your coinsurance is 40% after meeting the deductible.

Out-of-Pocket Maximum

You’re protected by an annual limit on costs — after you reach the out-of-pocket maximum, the plan pays 100% of any further covered expenses for the rest of the year.

Prescription Drug

You pay the full price of prescription drugs until you meet the deductible, then you pay a flat dollar amount or copay. Certain preventive drugs are not subject to a deductible and no copay is charged.

Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.

*When you go out of network, the deductible applies to all non-emergency care, then you pay 40% coinsurance.

The Open Access Network Only 80/0 Plan provides coverage only when you receive care from in-network providers, unless you need immediate care in a medical emergency. This plan has the lowest deductible and is the second least expensive plan in terms of paycheck contributions.

How the Open Access Network Only 80/0 Plan works

You pay the plan’s contribution from your paycheck to have coverage.

Copay

You pay a defined dollar amount for in-network doctor’s office visits, physical therapy, chiropractic care, emergency room treatment, prescriptions, and other common health care.

Deductible

You pay 100% of the allowed costs for other in-network services, including outpatient surgery and inpatient hospitalizations, until you meet the annual deductible.

Coinsurance

After meeting the annual deductible, your share of the cost for these same services is 20% in-network; the plan pays 80%.

Out-of-Pocket Maximum

You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.

Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.

The Choice POS II 80/60 Plan has a higher deductible and higher contributions than the Open Access Network Only 80/0 Plan, but offers the flexibility to see out-of-network providers with a lower level of benefits. Even though you can see any provider you wish, you’ll pay less when you stay in-network.

How the Choice POS II 80/60 Plan works

You pay the plan’s contribution from your paycheck to have coverage.

Copay

You pay a defined dollar amount for in-network doctor’s office visits, physical therapy, chiropractic care, emergency room treatment, prescriptions, and other common health care.

Deductible

You pay 100% of the allowed costs for other in-network services, including outpatient surgery and inpatient hospitalizations, until you meet the annual deductible.*

Coinsurance

After meeting the annual deductible, your share of the cost for these same services is 20% in-network; the plan pays 80%. If you go out of network, your coinsurance is 40% after meeting the deductible.**

Out-of-Pocket Maximum

You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.

Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.

*When you go out of network, the deductible applies to all non-emergency care except X-rays and lab work, then you pay 40% coinsurance. Out-of-network inpatient hospitalizations and outpatient surgery also charge a $500 copay per admission.
**Out-of-network coinsurance after deductible for ambulance service is 20%. Out-of-network coinsurance for X-rays and lab work is 20% with no deductible.

The Choice POS II 90/80 Plan offers the lowest in-network copays and coinsurance, but you’ll pay the most out of your paycheck for coverage. The annual deductible is higher than the Open Access Network Only 80/0 Plan and Choice POS II 80/60 Plan but much lower than the High Deductible Health Plan with HSA (HDHP). With this plan, you can see any provider you wish, but you will pay less when you stay in-network.

How the Choice POS II 90/80 Plan works

You pay the plan’s contribution from your paycheck to have coverage.

Copay

You pay a defined dollar amount for in-network doctor’s office visits, physical therapy, chiropractic care, emergency room treatment, prescriptions, and other common health care.

Deductible

You pay 100% of the allowed costs for other in-network services, including outpatient surgery and inpatient hospitalizations, until you meet the annual deductible.*

Coinsurance

After meeting the annual deductible, your share of the cost for these same services is 10% in-network; the plan pays 90%. If you go out of network, your coinsurance is 20% after meeting the deductible.*

Out-of-Pocket Maximum

You’re protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.

Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.

*When you go out of network, the deductible applies to all non-emergency care, then you pay 20% coinsurance (10% coinsurance for ambulance service).

When you enroll in an Endeavor medical plan, you automatically receive prescription benefits provided by Aetna | Endeavor in partnership with CVS.

Drug tiers

The cost of your prescription drugs under each medical plan depends on the tier of the medication — generic, preferred brand, or non-preferred brand. All prescription carriers have a formulary, or list of preferred drugs based on effectiveness and cost.

Generic drugs

Same active ingredients as brand-name equivalents and meet the same standards for quality and effectiveness, but usually cost much less.

You pay: $

Preferred drugs

Brand-name medications included on the formulary and favored by your prescription carrier.

You pay: $$

Non-preferred drugs

Brand-name medications not preferred by your carrier. They may still be covered, but may require prior authorization and cost more.

You pay: $$$

Check the formulary

See how medications are covered by logging in to your prescription account on the Aetna | Endeavor website.

Save money on your prescriptions!

The cost of prescription drugs is rising faster than many other health care services and supplies. But, there are ways for you to save.

Ask your doctor about generic medications.

Generic medications are generally just as effective as brand-name medications, but they typically cost between 80% and 85% less.

If a generic equivalent is not available, check for a preferred brand-name option.

Medications identified as preferred on Aetna | Endeavor’s prescription drug formulary have been selected for their effectiveness and lower cost compared to other brand-name drugs.

Use the home delivery feature.

If you take maintenance medication to treat a chronic condition — such as an allergy, heart disease, high blood pressure, or diabetes — the convenience and cost savings of the home delivery prescription program through Aetna | Endeavor will save you time and money.

Save with PrudentRx.

PrudentRx helps you reduce how much money you spend on certain specialty medications. If you take an eligible medication, you will be automatically enrolled in PrudentRx and receive a $0 copay – no action is needed.

When you enroll in an Endeavor medical plan, you have anytime, anywhere access to medical advice from board-certified physicians for fast, convenient diagnosis and treatment of many common conditions through Teladoc. Connect to a doctor for general medicine visits 24/7 over the phone or through video chat using the Teladoc mobile app or website, or use Teladoc to schedule an appointment with a licensed behavioral health provider or dermatologist from the comfort of your home.

• Choose when: day or night, weekdays, weekends, and holidays
• Choose where: home, work, or on the go
• Choose how: phone or video chat

General Medicine Visits

Connect with a doctor — whenever and wherever you need one — for minor illnesses and injuries like cold, flu, sore throat, strains and sprains, and more. General medicine visits are free* to Endeavor medical plan members, and can be safer and more convenient than a doctor's office visit.

*For the HDHP with HSA pla​​n, visits are subject to fees until deductible is met.

Behavioral Health Visits

Establish an ongoing relationship with a behavioral health provider by phone or video for issues like stress, anxiety, depression, grief, family issues, substance use, and more. You and your covered dependents can access Teladoc behavioral health services for the same price as an in-network specialist visit under your Endeavor medical plan.

Dermatology Visits

Use Teladoc to connect with a licensed dermatologist who can assess and treat ongoing or complex skin conditions like psoriasis, skin infections, rosacea, suspicious moles, and more. You and your covered dependents can access Teladoc dermatology services for the same price as an in-network specialist visit under your Endeavor medical plan.

Register on the Teladoc website and set up your profile to begin using these services today!

AbleTo, offered through your Aetna medical insurance*, offers comprehensive mental health support to individuals seeking personalized care. Through telehealth services, AbleTo connects users with licensed therapists and behavioral health coaches, fostering a tailored approach to address various mental health challenges and enhance overall well-being.

What makes this program different from other telemedicine services? AbleTo, offers the following:

• A short-term, eight-week model 
• Includes therapy plus coaching 
• Allows for flexible scheduling
• Helps you take control of your health and life

Get started today.

• To make it easy, Aetna will call you if your claims data shows you may benefit from this program
• If you have not been contacted but believe this program is right for you, reach out!
  • AbleTo.com/Aetna
  • 1-844-330-3648
  • Tell your Aetna case manager you'd like to participate

*In many cases, AbleTo, services are available with no out-of-pocket cost to you, but in some instances, deductibles will apply before your out-of-pocket expenses are covered. Just call the number on your member ID card to learn more about your options.

Get free, personalized help navigating the health care system, from understanding claims to choosing providers and negotiating fees. Through Aetna One Advocate, you’ll be connected with your own Aetna One Advisor, a trained professional who can help you:

• Find an in-network provider
• Navigate claims and billing issues
• Understand how your medical plan pays benefits
• And more

This benefit is available to you only if you enroll in one of the four Aetna | Endeavor medical plans.

Visit the Aetna One Advocate website or call (833) 948-3539 for assistance.

Using in-network providers saves you money — and if you enroll in the Open Access Network Only 80/0 Plan, you must stay in-network to receive coverage. Here’s how to find doctors in your medical plan network:

• Visit the Aetna | Endeavor website.
• Select "Open Access Aetna Select" for the 80% In-network only plan; Select “Aetna Choice POS II (Open Access)" for all other plan options.
• Enter your home ZIP code and select the distance you'd be willing to travel.
• Enter the type of provider you would like to search for.

The health and wellbeing of all Endeavor employees is a very significant focus that the company takes seriously. This toolkit has been created to address the specific health issues which impact many women during their working lives. It aims to bring light to invisible challenges, educate employees, and provide support to women in need.

The toolkit has resources that can help you or your covered dependents with:

• Preventive Care
• Fertility Challenges
• Miscarriages
• Pregnancy & Pre-Natal Care
• New Mothers / New Baby Care
• Nursing / Traveling Mothers (Milk Stork)
• Premenstrual Syndrome (PMS)
• Menopause

And that's just the beginning! For more programs and resources to support women, visit the Women's Health section of the Resources page. You'll find LGBTQ+ FAQs, Breast Cancer and Cervical Cancer resources, Endeavor's Pregnancy Loss Leave Policy, information about Milk Stork, and much more.

When you carefully consider the financial impact of your health care choices, you can help lower costs for yourself and the entire company. Get the most from your medical benefits by following these tips to be well and buy smart:

1. Use in-network providers. They’ve agreed to charge only up to negotiated rates and bill your insurance company directly, which saves you money and time. Also, check with your insurance company to ensure that a service is covered before you receive care. Note: If you’re enrolling in the Open Access Network Only 80/0 Plan, the plan only pays benefits for care received in network.
2. Keep up with preventive care. It’s covered in full by all of our medical plans and can help detect and prevent potentially costly health issues early. You pay nothing for annual physicals, recommended immunizations, routine cancer screenings, and more when you see in-network providers.
3. Use tax-free money to pay for eligible health expenses. Contributing to a Healthcare Flexible Spending Account (FSA) or Health Savings Account (HSA) is easy and saves you money. You can set aside pre-tax dollars from your paycheck to use for your out-of-pocket costs. Keep in mind with an FSA, you can only carry over up to $640 of unused money in your FSA to the next year; you will forfeit amounts above $640. For the HSA, you can contribute up to $4,150 for single coverage and up to $8,300 for all other coverage. Don’t forget that Endeavor will contribute to your HSA too. Remember, you must be enrolled in the High Deductible Health Plan with HSA (HDHP) to contribute to an HSA.
4. Shop smart for prescriptions. Using generic alternatives will almost always save you money — and they’re just as safe and effective as brand-name prescriptions. Also, try calling a few local pharmacies to compare prices before deciding where to fill a prescription. For your ongoing prescriptions, use the home-delivery service to save money and time.
5. Use your medical plan’s website. Log in to the Aetna | Endeavor website to review claims, find in-network providers, use helpful cost-estimating tools, and more.
6. Choose the right place to get care. Facilities charge different amounts for the same services, so think about your options when you or a family member needs medical attention. Use the guide below to help you save money and choose the most appropriate care for your situation.