Here’s where you can find information about REI’s medical plan options. Check out the Benefits Plan Information and Costs Tool to compare what you pay in premiums each paycheck and what you pay when you receive care.
Medical
Medical Plan Comparison Video
Not sure which medical plan is right for you? Watch this video to learn about the REI Saver and Choice Medical Plans and find out which plan best meets your health care needs.
The REI Saver Medical Plan is a Consumer-Directed Health Plan (CDHP) administered by Aetna that allows you to:
- Open a Health Savings Account (HSA). REI will contribute a particular amount per pay period based on your coverage (individual or family). You can also contribute your own money to use toward qualified health care expenses.
- Pay lower payroll deductions but requires you to meet a higher deductible.
Check out the medical FAQs for answers to frequently asked questions about the REI Saver Medical Plan and for more information about the HSA.
Visit aetna.com/docfind/custom/rei/ to find an in-network provider.
The REI Choice Medical Plan, administered by Aetna, works like a PPO plan in which you:
- Can choose an in-network provider or facility (better coverage) or go outside the network.
- Meet a deductible before the plan pays, then pay coinsurance for most services (except in-network preventive care).
Visit aetna.com/docfind/custom/rei/ to find an in-network provider.
Two of the Kaiser medical plans are HMOs (health maintenance organizations).
- If you live in a Kaiser service area ZIP code in Washington, California or Colorado, you may enroll in a Kaiser medical plan.
- When using a Kaiser HMO Plan, you’ll visit Kaiser medical centers to receive care and get prescriptions. You will select a Kaiser primary care physician (PCP) from Kaiser’s network. Your PCP coordinates care and refers you to specialists. Kaiser locations encompass a wide array of doctors and other professionals. However, you don’t receive coverage if you use a provider outside the plan’s network.
- Kaiser plans restrict where you can receive care. For more information on plan services and costs, visit the Benefits Plan Information and Costs Tool, visit my.kp.org/rei to find a provider or click here to learn more about Kaiser.
- Call customer service at 1-800-324-9208 or text 773-974-3113 Monday through Friday from 7 am–6 pm PT / 10 am–9 pm ET to get your questions answered and understand if this plan is right for you.
Two of the Kaiser medical plans are HDHPs (High Deductible Health Plans).
- If you live in a Kaiser service area ZIP code in Washington, California or Colorado, you may enroll in a Kaiser medical plan.
- With a Kaiser High Deductible Health Plan, you’re eligible to enroll in a Health Savings Account (HSA), which allows you to put aside pre-tax dollars that can be used for eligible health care expenses.
- Kaiser plans restrict where you can receive care. For more information on plan services and costs, visit the Benefits Plan Information and Costs Tool, visit my.kp.org/rei to find a provider or click here to learn more about Kaiser.
- Call Kaiser customer service at 1-800-324-9208 or text 1-773-974-3113 Monday through Friday from 7 am–6 pm PT / 10 am–9 pm ET to get your questions answered and understand if this plan is right for you.
Each medical plan option has its own features
This chart provides an at-a-glance comparison of key features to help you choose.
Medical Plan | Medical Plan | Medical Plan | Medical Plan |
|
|---|---|---|---|---|
Who's it for? | ||||
Your paycheck deductions |  Lowest |  Middle | Middle | Lowest |
Your deductible |  Highest | Middle | Middle | Highest |
Your out-of-pocket maximum | Middle | Highest | Lowest | Middle |
Medical
The REI Options plan provides employees the choice to select one of three fee-for-service plans (Core, Preventive or Plus), also called indemnity health insurance plans.
REI Options Plan
The REI Options Plan administered by Administrative Concepts (ACI) utilizes the First Health Network and are indemnity health plans. Indemnity health plans provide fixed payment for specific health care services such as doctor visits, hospitals stays or preventive care.
When you go to a provider or hospital, present your ID card and the provider will file the claim directly with ACI on your behalf. When it has been processed, ACI will pay the provider first and send you any benefit that is remaining, if appropriate. If ACI has paid the provider and there is still a balance due, it’s your responsibility to pay any remaining balance.
The three plans—Core, Preventive and Plus—all offer:
- Virtual primary care: All plans offer access to Virtual Primary Care benefits through Recuro Health. Recuro provides telehealth services to address your routine medical issues on demand, 24/7, by phone or video from the convenience of your home or office.
- Visit recurohealth.com or call 1-855-673-2876.
- Health care coverage: In-person healthcare coverage is provided through the First Health Network.
- Find a First Health Network provider at firsthealthlbp.com or by calling 1-800-226-5116.
- Prescription drug coverage: Each plan offers prescription drug coverage administered by Drexi and, if eligible, Rx Assist for ACA-designated preventive medications.
- To get more information on pharmacy-specific pricing of your medication, you can call Administrative Concepts (ACI) at 1-888-240-0231.
How It Works
- Freedom of provider choice: You can visit any licensed doctor, specialist or hospital—no referrals or network restrictions. You receive the deepest discount by using providers in the First Health Network.
- No claim forms: You present your card to the provider or hospital; they will then submit an itemized bill to ACI for reimbursement.
- Reimbursement is based on a fixed amount per service up to a maximum number of days within the plan year.
You will want to take a look at the Benefits Plan Information and Costs to determine if the Core, Preventive or Plus plans are right for you.
Network Coverage
The Options Plan uses the First Health Network, a national PPO network with wide-ranging access. Employees are free to use any provider they choose when they access services. If you choose a provider who participates in the First Health PPO Network, you may be eligible for discounts toward the total amount due for services. This could reduce the amount owed after the full benefit has been paid by the plan.
Find an in-network provider through the First Health Network here.
Preventive care benefits
Solving health problems is good. Preventing them is better. That’s why you won’t have to pay coinsurance or meet your deductible for in-network preventive care in any of our medical plans. In addition, for medical plans administered by Optum Rx, certain preventive drugs will be covered at 100% or will not be subject to the deductible.
If you’re eligible for an REI-sponsored medical plan, you will not be eligible to receive a premium subsidy or health insurance tax credit for medical coverage purchased from a state or federal Health Insurance Marketplace plan. Once you become eligible for an REI-sponsored medical plan, you need to notify the Health Insurance Marketplace to remove your subsidy or you could receive a tax penalty.
You have the option to receive your Form 1095-C electronically. To update how you receive your Form 1095-C or any U.S. wage and tax statements, log into Employee Self Service > Pay > US Wage and Tax Statements. In the right-hand menu under Things I Can Do, select Change Paperless Preferences.
To access your Form 1095-C, log into Employee Self Service and select Myself > Benefits > 1095-C. Directions for printing and saving the Form 1095-C are available when you access your form. You may need Adobe or Word software to download and save the form to your computer. You may be required to print your Form 1095-C and attach it to your Federal, State or local income tax return. If you would like to request a paper copy of this form, or if your contact information has changed, please contact the Employee Service Center at hrhr@rei.com or 1-800-999-4734.
Not eligible for an REI medical plan? Visit healthcare.gov for more information.
What should I know if I’m considering obtaining coverage through the Marketplace?
If you are considering obtaining insurance through the Marketplace, review the resources below.
- Information about REI’s coverage: You’ll need these details to complete your application for coverage.
- Marketplace contact details: If you need more details, visit healthcare.gov.
- Use the Kaiser Subsidy Calculator to estimate your eligibility for subsidies and how much you could spend on health insurance.
What is a Form 1095-C?
The Form 1095-C is required by the IRS to report the health care coverage provided to you. It helps determine whether you are eligible for the Premium Tax Credit and is necessary for completing your federal tax return.
Travel & Lodging Benefits
Gender Affirming and Fertility Services
REI offers Travel & Lodging benefits for employees and enrolled eligible dependents who have pre-certified medical and prescription services from an in-network provider and must travel more than 100 miles for services. The benefit provides up to $10,000 for certain Travel & Lodging benefits (see IRS publication 502), including:
- Lodging
- Airfare (domestic, coach, non-refundable ticket)
- Taxi or shared ride costs
- Meals (at a hospital or similar institution)
- Other incidental costs (e.g., parking) associated with receiving medical care
Submit expenses online through aetna.com or through the Aetna Health App. Once logged in, select Claims from the menu and then Submit a Claim. Follow the prompts to provide details regarding the dates of service and expenses. Upload any forms or receipts and submit once completed.
Frequently Asked Questions
When will I get my ID cards?
Two ID cards will be mailed directly to your home address and should arrive within 5–10 business days after your enrollment is completed.
Can I use any doctor or hospital, or is there a network?
When using the REI Options Plan, you can see any doctor or go to any hospital. However, if you use a provider from the First Health Network, you may see additional savings due to pre-negotiated rates.
How do I find a doctor?
You can find a First Health Network provider at firsthealthlbp.com or call 1-800-226-5116.
Who do I call if I have questions about coverage or claims?
You can contact ACI Member Services at 1-888-240-0231 for specific coverage and claims questions and information.
If I want more information about a plan through the Marketplace or my state’s exchange, who should I contact?
Alliant Individual Health Solutions can assist with providing details on Marketplace options or the state exchange. You can reach them via phone at 877-328-1195 or visit alliantindividualhealthsolutions.com. Alliant Individual Health Solutions can provide a comparison of programs and subsidies you may qualify for.
Is telemedicine offered through the Options Plan?
Yes, virtual primary care and behavioral health services are available under all three plans: Core, Preventive and Plus. Recuro Health is the telemedicine provider. For additional details on virtual care, visit the telemedicine page for details.
Is there prescription drug coverage in the Options Plan?
Yes, all three plans provide prescription drug coverage through Drexi. The prescription drug coverage is subject to a formulary, or a list of covered medications. For information on what is covered under the formulary for your plan, call Dexi at 1-844-728-3479.
Can I keep using the same pharmacy as before?
The Drexi nationwide pharmacy network includes grocers and independents. To see if your current pharmacy is within Drexi’s pharmacy network, call Drexi at 1-844-728-3479 or visit their website at drexi.com.
REI Saver and Choice Medical Plans
Aetna
REI Health Guide
1-800-451-2967
Claim status & explanation of benefits
Member ID/group number
aetna.com
2026 participating provider list (effective January 1, 2026)
aetnaresource.com/n/REI
2025 participating provider list
aetna.com/docfind/custom/rei/
Recuro Health
Options Plan Virtual Primary and Behavioral Health
Administrative Concepts (ACI)
Options Plan Administrator – Effective 1/1/26
Contact ACI beginning October 27 at 1-888-240-0231
Express Scripts
Prescription plan for Aetna/REI Saver and Choice Medical Plans
Claim status and drug comparison
1-800-462-5916
Step therapy and prior authorization requests
1-800-417-1764
Member ID/group number
express-scripts.com > Account > Member ID Card
Note: Phone lines will be open through December 31, 2025
Optum Rx
Prescription plan for Aetna/REI Saver and Choice Medical Plans effective 1/1/2026
Contact a Customer Service Advocate beginning on November 1: 1-855-261-2736
Find a Pharmacy: welcome.optumrx.com/premium/pharmacy-locator
Kaiser Permanente (Washington)
Member services
1-888-901-4636
Member services
my.kp.org/rei/
Member ID/group number
Visit kp.org/wa
Group number: 2908
Kaiser Permanente (Colorado)
Denver and Boulder member services
1-800-632-9700
Southern Colorado member services
1-888-681-7878
Denver and Boulder nurseline
1-303-338-4545 or 1-800-632-9700
Southern Colorado nurseline
1-719-867-2184
Other areas nurseline
Refer to your membership card for the resource in your area.
Denver and Boulder claims department
1-303-338-3600 or 1-800-632-9700 for claims outside the service area
Southern Colorado claims department
1-888-681-7878 for claims outside the service area
Denver and Boulder mail-order pharmacy automated service
1-866-938-0077
Southern Colorado mail-order pharmacy automated service
1-866-523-6059
Member services
my.kp.org/rei/
Member ID/group number
Visit my.kp.org/rei/
Group number: 01282
Kaiser (California)
Member services
1-800-464-4000
Nurseline
Call member services for the resource in your area.
Member services
my.kp.org/rei/
Member ID/group number
Visit my.kp.org/rei/
N. CA group number: 3513
S. CA group number: 226768
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