If you are enrolled in or eligible for the Access and San Francisco Plan and you are seeing this message, please make sure the “Part-time: REI Options Plan” filter is selected in the dropdown in the header of this site. Then, you will be able to see this content.
Oops — this content is only for employees eligible for the Access and San Francisco Plan
Note: The content below applies to employees enrolled in the Access and San Francsisco Medical Plans prior to January 1, 2026. Learn about the 2025 benefits plan costs here.
Access and San Francisco Plan
Benefits Eligibility
REI Access Plan
You’re eligible if:
- You’re a part-time employee who has worked at REI for at least three months,
- You aren’t eligible for the REI full benefits plan, and
- You aren’t eligible for medical coveragte through another employer that you work for (attestation will be required at time of enrollment).
You will be eligible to enroll in employee-only medical coverage on the first of the month following three months of employment.
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 for coverage.
Learn about the 2025 benefits plan costs here.
| You Pay Bi-Weekly | REI Pays Bi-Weekly | |
|---|---|---|
| You only | $40.80 | $276.07 |
Medical Costs
| In-Network | Out-of-Network | |
|---|---|---|
| Individual deductible | Tier 1: $1,800 (includes prescription drug costs) Tier 2: $2,800 (includes prescription drug costs) | $5,400 (includes prescription drug costs) |
| Preventive care visits (routine physical exams, screening tests)1 | Tier 1 and 2: $0 (no coinsurance or deductible) | Not covered, except no charge for Pap smears |
| Physician office visits | Tier 1: 20% after deductible Tier 2: 35% after deductible | 50% of R&C after deductible2 |
| Labs and X-rays | Tier 1: 20% after deductible Tier 2: 35% after deductible | 50% of R&C after deductible2 |
| Emergency room (emergency visits) | Tier 1: 20% after deductible Tier 2: 20% after deductible | 20% after deductible |
| Emergency room (non-emergency visits) | Tier 1: 50% after deductible Tier 2: 50% after deductible | 50% of R&C after deductible2 |
| Hospital inpatient services | Tier 1: 20% after deductible Tier 2: 35% after deductible | 50% of R&C after deductible2 |
| Inpatient behavioral health (chemical dependency and mental health) | Tier 1: 10% after deductible Tier 2: 25% after deductible | 50% of R&C after deductible2 |
| Outpatient behavioral health (chemical dependency and mental health) | Tier 1: 10% after deductible Tier 2: 25% 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) | Tier 1: 20% after deductible Tier 2: 35% after deductible Combined limit of 60 visits per plan year | 50% of R&C after deductible2 Combined limit of 60 visits per plan year |
| Short-term rehabilitation (occupational, physical and speech therapy; must be medically necessary; combined limit of 60 visits per plan year) | Tier 1: 10% after deductible Tier 2: 25% after deductible Combined limit of 60 visits per plan year3 | 50% of R&C after deductible Combined limit of 60 visits per plan year3 |
| Vision exam (every 12 months) | Tier 1: 20% after deductible Tier 2: 35% after deductible | 50% of R&C after deductible2 |
| Individual out-of-pocket maximum | Tier 1: $3,600 (includes prescription drug costs) Tier 2: $5,000 (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.
Done exploring?
Go Back to Guided Tour