Medical Benefits
Every employee has unique needs. That's why Nextep offers a number of different plan designs to fit diverse, unique lifestyles.
Our benefits experts administer your health plans 100%, delivering them on our easy-to-use technology platform and freeing you to focus on your work. Whether it's a question with ID cards, claims, or coverage, we're here to help.
Our medical plans cover in-network preventative services 100% with the deductible waived. Depending on age, members have access to all of these benefits, regardless of which plan they select:
- Annual routine physical exams for adults
- Routine gynecological exams
- In-network prenatal maternity office visits
- Well-baby and well-child visits, ages birth to 22
- Blood pressure, diabetes, and cholesterol tests
- Annual cancer screenings for certain age groups
- Flu and pneumonia shots, plus vaccinations
- Counseling and vaccines for healthy pregnancies
- Routine hearing exams every 24 months
- Counseling on topics such as smoking, weight, depression, and alcohol
Meet Nextep's friendly benefits department!
Summary of Benefits!
Answers to your questions
Questions? We have answers! Here are your most frequent health plan questions.
Q: How do I receive medical care?
A: Simply select an in-network health care according to your plan and call to make an appointment.
When at the appointment, present your medical ID information using your app or on your card. You may still receive coverage without your physical ID card as well, by showing your electronic copy of your ID card on your Elevate by Nextep mobile app!
After receiving care, simply pay the health care provider according to your plan.
Aetna members: To find doctors that are part of your health team, visit aetna.com/docfind and find the whole health plan for your region.
Q: Will I receive an ID card?
A: You will receive new ID cards for each participant at your home address. Enrollments processed after your designated online enrollment period may result in ID cards arriving later, even though coverage will be effective.
To access your ID cards, log in at employee.nextep.com or on your Elevate by Nextep mobile app, then click on Benefits. Simply tap View Card to pull up an electronic copy of your ID card!
Q: What is a PPO plan?
A: Nextep's flex plans offer the affordability of a preferred provider organization (PPO) plan, but with a wider, more flexible network. These plans feature lower deductibles, perfect for families or individuals who would be high utilizers of the benefit.
Watch this video for a quick overview of PPO-style plans.
Q: What is an HNO?
A: Health network option (HNO) plans offer coverage at lower costs. Get the same rich benefits you enjoy from PPO-style plans, including preventative care and prescription drugs. Since these plans are region-specific, it is very important to stay in-network.
Watch this video for a quick overview of HNOs.
Q: What is an HDHP?
A: High-deductible health plans (HDHPs) have higher deductibles and lower costs, allowing participants to put the extra cost savings into a health savings account (HSA).
Watch this video for a quick overview of HDHPs.
Q: What is an EPO?
A: An EPO (Exclusive Provider Organization) health plan offers coverage for medical services when you use doctors, specialists, or hospitals within the plan's network. It's like having a preferred list of healthcare providers. While you don't need a referral to see specialists, going outside the network usually means paying the full cost, except in emergencies.
An EPO plan might be a good choice for you if:
- You prefer to manage your own healthcare without needing referrals from a primary care physician.
- You're comfortable choosing healthcare providers from a specific network.
- You're looking for a plan that generally offers lower premiums compared to other types of plans.
Q: What is an HMO?
A: With a health maintenance organization (HMO) plan, you must choose a primary care physician (PCP) from a network of local health care providers who will refer you to in-network specialists or hospitals when necessary. All care is coordinated through the PCP at a significant savings.
HMOs may be a good option for those seeking affordable premiums, a focus on preventive care, and a simplified healthcare experience.
Q: How do I decide on a plan?
A: Finding benefits that fit your needs can be tough. That's why we offer a variety of plan designs, allowing you to find one that offers the right combination of coverage and affordability.
Contact your Nextep Health Advocate for confidential, no-cost, one-on-one guidance. They'll explain your options and answer your questions so you can make an informed decision.
Aetna Perks
Did you know that you get free special perks just by being an Aetna member? Check it out!
Elevate by Nextep app = easy street!
The Elevate by Nextep app makes it easy to manage your benefits! Get access anytime, anywhere, on any device.
- Visit benefit carriers with one simple sign-in
- View paycheck deductions
- Complete open enrollment
- Change your retirement withholding and check your balance
- View and present insurance cards at the doctor's office
- Review dependent and deductible info
Download it today to manage benefits on the go, right from your phone!
Your Health Advocate is ready to help!
Need help understanding your benefit options or completing enrollment? Nextep's Health Advocate can help! Experts are ready to give you personalized, one-on-one, confidential assistance at no cost.
Here's how to get quick help with your open enrollment:
- From your Elevate by Nextep account, click Benefits, then Health Advocate for simple sign-in.
- Call Health Advocate toll-free at 877-324-0257.
- Need help from your Nextep specialist? Log in and visit the Help tab or call 888-811-5150.
- Or, click the button below to submit your question to our help desk!
