Medical

BWH® Hotels offers a variety of medical plan options to meet the diverse needs of our team. All employees have access to three medical plans: one that is HSA-eligible and two traditional copay plans. These options allow you to choose the level of coverage and cost-sharing that works best for your health care needs and financial goals.

If you live in Maricopa, Pinal, Pima, or Coconino Counties in Arizona, you also have access to a performance (narrow) network version of these same three plans. This network includes a select group of high-quality providers and facilities, offering more focused care at a potentially lower cost. It’s a great option for employees who want to save money while still receiving excellent care within a coordinated network.

Provider Caution: Always check with your health care provider to make sure they are in-network with your plan.

Performance Network

For residents of Maricopa, Pinal, Pima, and Coconino Counties only
Banner Health and HonorHealth Systems
Lower Premiums than Larger Network
Lab and Urgent Care: Conveniently located, condensed options

Broad Network

All US-based employees
Broadest network of providers
Slightly higher premiums than Performance
Lab and Urgent Care: Broadest network of providers

Additional Information

For additional information on the Aetna medical plans:

Arizona employees:

https://www.aetnaresource.com/bh/m/BWI-Employee-Benefits-for-AZ-Residents_2026

All other employees:

https://www.aetnaresource.com/m/BWI-Employee-Benefits-for-Non-AZ-Residents_2026

Want to Save on Your Medical Premiums?

Click here to learn how you can qualify for tobacco-free discounts and enjoy lower premiums by following these easy steps!

Which Plan Is Right for You?

Our medical plans vary by provider network, how much you pay each paycheck and what you pay when you get care.

Gold POS Plan

This plan has lower out-of-pocket expenses and higher paycheck deductions than the other plans.

Each covered person has a deductible of $1,250 with a $2,500 cap for the family.
This plan has copays for office visits and prescriptions.
This plan is NOT HSA compatible.

Silver (HSA) Plan

This plan has a lower deductible and out-of-pocket maximum, and higher paycheck deductions than the Bronze POS Plan.

If you enroll in employee-only coverage, your deductible is $2,000.
If you cover your spouse and/or child(ren) on the plan, you have a combined deductible of $4,000.
The individual deductible does not apply when you cover family members.
This plan is HSA compatible.
- This means the plan meets the requirements to allow participants to contribute to their own tax-free Health Savings Account (HSA).
- Your HSA lets you save pre-tax dollars to pay for your eligible health care expenses anytime, even in retirement.
- Be sure to review the eligibility requirements to see if you are eligible to contribute to an HSA. If not, you can still elect Silver (HSA) POS plan but should not contribute to an HSA.

Bronze POS Plan

This plan has a much higher deductible and lower paycheck deductions compared to the other two plans.

Each covered person has a deductible of $7,500 with a cap of $15,000 for the family.
This plan has office visit copays but prescriptions are subject to the deductible.
This plan is NOT HSA compatible.

Medical Plan Comparison

	Gold Plan (PPO) National and Performance Networks		Silver Plan (HSA) National and Performance Networks		Bronze Plan (M.V.) National and Performance Networks
	In-Network	Out-of-Network	In-Network	Out-of-Network	In-Network	Out-of-Network
	You Pay
Calendar Year Deductible	Embedded		Not Embedded		Embedded
Individual	$1,250	$5,500	$2,000		$7,500	$12,500
Family	$2,500	$11,000	$4,000		$15,000	$25,000
Calendar Year Out-of-Pocket Maximum (Includes Deductible)
Individual	$4,000	$12,000	$6,000	$12,000	$7,500	$15,000
Family	$8,000	$24,000	$12,000	$24,000	$15,000	$30,000
Lifetime Maximum	Unlimited		Unlimited		Unlimited
Coinsurance / Copays
Preventive Care	$0	Not covered	$0	Not covered	$0	Not covered
Primary Care Physician	$30 copay	50%*	20%*	50%*	$50 copay	50%*
Specialist	$60 copay	50%*	20%*	50%*	$100 copay	50%*
Diagnostics X-Ray and Lab	20%*	50%*	20%*	50%*	0%*	50%*
Imaging (CT/PET, MRI)	20%*	50%*	20%*	50%*	0%*	50%*
Urgent Care	20%*	50%*	20%*	50%*	0%*	50%*
Emergency Room	20%*		$150 copay*		0% *
Inpatient Hospital Care	20%*	50%*	20%*	50%*	0%*	50%*
Outpatient Surgery	20%*	50%*	20%*	50%*	0%*	50%*
Retail Rx (up to 30-day supply)
Preventive Drugs	$0 copay	Not covered	$0 copay	Not covered	$0 copay	Not covered
Tier 1	$10	$10 + 50%	20%*	50%*	0%*	50%*
Tier 2	$35	$35 + 50%	20%*		0%*
Tier 3	$60	$60 + 50%	20%*		0%*
Tier 4	$110	$110 + 50%	20%*		0%*
Mail-Order Rx (up to 90-day supply)
Preventive Drugs	$0 copay	Not covered	$0 copay	Not covered	$0 copay	Not covered
Tier 1	$25	$25 + 50%	20%*	50%*	0%*	50%*
Tier 2	$87.50	$87.50 + 50%	20%*	50%*	0%*	50%*
Tier 3	$150	$150 + 50%	20%*		0%*

* After Deductible
** Does not apply if dependents are enrolled

Virtual Care Providers

Feeling under the weather? Skip the waiting room.

Whether it’s a fever, stomach bug, sore throat, or something else, you can now get the care you need quickly and conveniently with telehealth services available through MinuteClinic® Virtual Care and 98point6® by Aetna. No more scheduling hassles or long drives—just virtual access to medical and behavioral health support, 24/7, from wherever you are.

Available anytime—day or night, weekends and holidays included—these virtual visits offer fast, reliable care when and where you need it most.

Discover MinuteClinic Virtual Care™

Get quick, affordable 24/7 care from MinuteClinic Virtual Care for common conditions such as:

Cough
Sore throat
Bladder infection (UTI)
Mental health counceling
And more

98point6

Get 24/7 care from board-certified doctors right from your phone. Just send a text message when you don’t feel well or have health-related questions.

What does it cost?

Silver Plan (HSA): $0 — your visit is fully covered
Gold and Bronze Plans: $0 — your visit is fully covered

To get started or learn more, visit BannerAetna.com.