Medical

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 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.

This 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.

This 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.

  • If you live in Washington, California or Colorado, you may enroll in a Kaiser medical plan if you live in a Kaiser service area ZIP code.
  • 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.

Each medical plan option has its own features.

This chart provides an at-a-glance comparison of key features to help you choose.

REI Saver
Medical Plan
REI Choice
Medical Plan
Kaiser
Medical Plans
Who's it for?
You want to pay less for coverage out of each paycheck and don’t mind the higher deductible. You also want the flexibility to take advantage of the tax savings that come with a Health Savings Account (HSA) and an HSA contribution from REI.
You prefer to pay more out of your paycheck for coverage in exchange for greater peace of mind due to predictable out-of-pocket costs. The Plan comes with a Health Care Flexible Spending Account to help you pay for eligible health care expenses tax-free.
You’re comfortable staying in the Kaiser network and paying more out of your paycheck for coverage. If you need to visit your in-network doctor or get prescriptions, you like that you generally only have to pay copays.
Your paycheck deductions

Lowest

Middle

Middle
Your deductible

Highest

Middle

Middle
Your out-of-pocket maximum

Middle

Highest

Lowest

Medical

At REI, we believe everyone should have access to affordable, quality health care coverage. As a purpose-driven and values-led business, we have a responsibility to put that belief into action. 

This spring, you told us in the field-wide benefits survey that you wanted access to medical coverage sooner, and we heard you. Effective January 1, 2023, the co-op is introducing a new medical plan—REI Access Plan—to provide medical access to every REI part-time employee who needs it. See Benefits Eligiblity to find out if you’re eligible for the plan.

REI Access Medical Plan

The REI Access Plan, administered by Aetna, provides comprehensive, employee-only medical coverage. You pay less per paycheck to have medical insurance (known as deductions) but are required to meet a higher deductible when you use health services. This plan also allows you to open a Health Savings Account (HSA). You can contribute your own money to this account to use toward eligible health care expenses.

The REI Access Plan provides comprehensive coverage that includes:

  • Preventive care (e.g., wellness exams, immunizations) and preventive drugs at no cost when provided by an in-network doctor or pharmacy
  • Doctor and specialist visits
  • Mental health benefits
  • Hospitalization and surgery
  • Telehealth visits through Teladoc 

Take a look at the Benefits Plan Information and Costs page to see how much you pay each paycheck for the plan and what you pay when you receive care, and check out the medical FAQs for answers to frequently asked questions about the plan and the HSA.

Network Coverage

With the REI Access Plan, you have the option to use in-network and out-of-network providers, however you will pay more if you use out-of-network providers. To find an in-network provider, visit aetna.com/docfind/custom/rei/.

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 preventive care in any of our medical plans if you use an in-network provider. In addition, for medical plans administered by Aetna/Express Scripts, certain preventive drugs will be covered at 100% or will not be subject to the deductible.

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 Aetna/Express Scripts, certain preventive drugs will be covered at 100% or will not be subject to the deductible.

Benefits Plan Information and Costs Tool

Medical Cost Estimator Tool

Benefits Eligibility Estimator Tool

Affordable Care Act

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.

Not eligible for an REI medical plan? Visit healthcare.gov for more information.

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.

  • 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.

Travel and Lodging Benefits

Gender Affirming and Fertility Services

REI offers travel and lodging benefit to include gender affirming and fertility services. 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, will be reimbursed for certain travel and lodging benefits. The benefit provides up to $3,000 for:

  • Lodging (up to $200 per night maximum)
  • Airfare (domestic, non-refundable roundtrip ticket)
  • Car rental, taxi or shared ride costs (up to $150 per day)
  • Meals (up to $100 per day)
  • Other incidental costs (e.g., parking) associated with receiving medical care

You can find a complete list of eligible expenses at myhealthequity.com and begin submitting eligible expenses for reimbursement. You must complete a reimbursement request claim form or file the claim for travel and lodging expenses on the HealthEquity website. In either case, you must submit copies of supporting bills or receipts for eligible expenses. Paper claims must be signed and sent to HealthEquity with legible copies of all receipts for processing either by fax (877-353-9236) or by mail to HealthEquity, P.O. Box 14053, Lexington, KY 40512.

Note: The reimbursement received from HealthEquity will be treated as taxable income which will be processed through REI payroll.

REImburse

REI offers travel and lodging benefit for employees and enrolled eligible dependents who are living in a state where elective abortion is prohibited by law and must travel more than 100 miles for medical and prescription services. This program will reimburse for certain travel and lodging benefits up to $3,000 for:

  • Lodging for up to 3 nights, up to $200 a night maximum
  • Airfare (domestic, non-refundable, roundtrip ticket)
  • Car rental, taxi or shared ride costs up to $150 per day
  • Meals, up to $100 per day
  • Other incidental costs (parking, etc.) associated with receiving medical care

You can find a complete list of eligible expenses at myhealthequity.com and begin submitting eligible expenses for reimbursement. You must complete a reimbursement request claim form or file the claim for travel and lodging expenses on the HealthEquity website. In either case, you must submit copies of supporting bills or receipts for eligible expenses. Paper claims must be signed and sent to HealthEquity with legible copies of all receipts for processing either by fax (877-353-9236) or by mail to HealthEquity, P.O. Box 14053, Lexington, KY 40512.

Note: The reimbursement received from HealthEquity will be treated as taxable income which will be processed through REI payroll.

REI Saver and Choice Medical Plans

Aetna

REI Health Guide
1-800-451-2967

Claim status & explanation of benefits
myaetnawebsite.com

Participating provider list
aetna.com/docfind/custom/rei/

Member ID/group number
myaetnawebsite.com > View Member ID cards

REI Access Medical Plan

Aetna

REI Health Guide
1-800-451-2967

Claim status & explanation of benefits
aetna.com

Participating provider list
aetna.com/docfind/custom/rei/

Member ID/group number
aetna.com > View Member ID cards

Express Scripts

Prescription plan for Aetna/REI Saver, Choice and Access Medical Plans

Claim status and drug comparison
1-800-462-5916

Member ID/group number
express-scripts.com > Account > Member ID Card

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

Aetna International

If you need help and are outside the U.S call 1-855-888-9046 (TTY:711) or 1-959-230-8220 (TTY:711) Ask for the Aetna Special Case Precertification Unit

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