Oops — this content is only for employees eligible for the Access and San Francisco Plan

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Note: The content below applies to employees enrolled in the Access and San Francsisco Medical Plans prior to January 1, 2026.

Access and San Francisco Plan

Benefits Plan Information and Costs

The REI Access Plan, administered by Aetna, provides comprehensive employee-only medical coverage. This plan allows you to pay lower payroll deductions to have medical coverage and requires you to meet a higher deductible at the time you use health services. Coverage includes:

Preventive care and preventive drugs at no-cost when provided by an in-network doctor or pharmacy
Coverage for doctor and specialist visits
Mental and behavioral health benefits
Coverage for hospitalization and surgery
Access to telehealth visits through Teladoc
Access to a Health Savings Account (HSA)

Here’s what you and REI pay each paycheck for coverage.

Learn about the 2024 benefits plan costs here.

	You Pay	REI Pays
You only	$33.17	$267.65

Medical Costs

	In-Network	Out-of-Network
Individual deductible	$1,800 (includes prescription drug costs)	$5,400 (includes prescription drug costs)
Preventive care visits (routine physical exams, screening tests)¹	$0 (no coinsurance or deductible)	Not covered
Physician office visits	20% after deductible	50% of R&C after deductible²
Labs and X-rays	20% after deductible	50% of R&C after deductible²
Emergency room (emergency visits)	20% after deductible	20% after deductible
Emergency room (non-emergency visits)	50% after deductible	50% of R&C after deductible²
Hospital inpatient services	20% after deductible	50% of R&C after deductible²
Inpatient behavioral health (chemical dependency and mental health)	10% after deductible	50% of R&C after deductible²
Outpatient behavioral health (chemical dependency and mental health)	10% after deductible	50% of R&C after deductible²
Alternative care (acupuncture, chiropractic, massage therapy; must be medically necessary; combined limit of 60 visits per plan year)	20% after deductible	50% of R&C after deductible²
Short-term rehabilitation (occupational, physical and speech therapy; must be medically necessary; combined limit of 60 visits per plan year)	10% after deductible³	50% of R&C after deductible³
Vision exam (every 12 months)	20% after deductible	50% of R&C after deductible²
Individual out-of-pocket maximum	$3,600 (includes prescription drug costs)	No maximum

¹ Preventive care includes a variety of routine services. See the plan document for limitations and details.
² A reasonable and customary (R&C) charge is the average charge for a procedure in a particular geographic area. If you use out-of-network providers and they charge more than the R&C, you are responsible for your portion of the coinsurance plus any amount above the R&C.
³ Therapy Services – Habilitative physical, occupational and speech therapy for autism and developmental delay will be covered without any visit limits.

Prescription Drug Costs

	In-Network
Individual Deductible	annual combined medical and prescription drug deductible¹
Retail generic²	$8 copay after deductible
Retail preferred brand	25% ($15 minimum/$60 maximum) after deductible
Retail non-preferred brand	40% ($15 minimum/$75 maximum) after deductible
Mail-order generic³	$20 copay after deductible
Mail-order preferred brand	25% ($30 minimum/$120 maximum) after deductible
Mail-order non-preferred brand	40% ($30 minimum/$150 maximum) after deductible
Individual out-of-pocket maximum	annual combined medical and prescription drug out-of-pocket maximum applies⁴

¹ If you’re covering yourself and other family members, the plan does not start paying benefits until the $3,600 family deductible is met, even if one family member meets the $1,800 individual deductible.
² Up to a 30-day supply
³ 31- to 90-day supply
⁴ The plan does not start paying 100% of in-network services until the $7,200 family out-of-pocket maximum is met, even if one family member meets the $3,600 individual out-of-pocket maximum.

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