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.
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.
The Kaiser medical plans are HMOs.
- 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.
Medical Plan | Medical Plan | Medical Plans |
|
|---|---|---|---|
Who's it for? | |||
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.
The REI Access Plan provides 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.
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.
What should I know if I’m considering obtaining coverage through the Marketplace?
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 & Lodging Benefits
Gender Affirming and Fertility Services
Effective January 1, 2025, 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, non-refundable ticket)
- Car rental, taxi or shared ride costs
- Meals (at a hospital or similar institution)
- Other incidental costs (e.g., parking) associated with receiving medical care
For 2024: For eligible services that are incurred in 2024 related to Gender Affirming, Fertility or Reproductive services, claims can be submitted through HealthEquity. A complete list of eligible expenses can be found at myhealthequity.com. In order to be reimbursed for eligible expenses, you must complete a reimbursement request claim form, an attestation form and supporting documentation including bills or receipts for eligible expenses. Submit expenses online through myhealthequity.com. Paper claims can also be submitted and 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.
As a reminder, the Travel & Lodging benefit is only available to employees and eligible dependents enrolled in the Aetna Access, Saver or Choice Medical Plan who must travel more than 100 miles to recieve in-network services.
Note: The reimbursement received from HealthEquity will be treated as taxable income which will be processed through REI payroll.
For 2025: For eligible services that are incurred in 2025, employees can begin submitting eligible expenses for reimbursement through Aetna.
Submit expenses online through myaetnawebsite.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.
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
Step therapy and prior authorization requests
1-800-417-1764
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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