Medical - Bayada Benefits

You love what you do, but to take care of what’s important—at work and at home—you need to take care of you. We’re not a one-size-fits-all type of company. Neither are our benefits. That’s why we offer a range of benefits options designed to fit different budgets, lifestyles, and health needs. Not sure which Aetna health plan is right for you or your family? Visit the Ask ALEX®️ Interactive Decision Tool.

The importance of having health insurance should not be underestimated. A decline in your health status can mean a loss of earnings if you are not able to work, and it can also mean medical bills are piling up. Medical and prescription drug insurance may help you avoid or limit your medical costs, and contribute to a healthier lifestyle.

A POS (Point-of-Service) plan is a medical plan where you may select any physicians and hospitals in and outside the plan’s network of preferred providers. A network may include preferred doctors, hospitals, labs, and other healthcare providers who have agreed to charge less for their services. However, with a POS plan, you have the flexibility to visit any doctor you want, and you do not need to get a referral to visit one.

- APCN Plus – Core Plan has relatively low out-of-pocket costs at the time of service.

How it works

Visit Aetna APCN Plus Doc Find, enter your home zip code, and click “Start Your Search”.
For most routine care (such as doctors’ office visits), you pay only a copayment if you visit an in-network physician or provider. However, you do have the flexibility to see any out-of-network doctor, but you would have to meet a deductible before the plan pays benefits.
Once you meet the deductible, you pay part of the cost of covered services, and the plan pays the rest. The part you’re responsible for is called coinsurance.
The plan helps to protect you from extremely high medical costs through an out-of-pocket maximum. That’s a limit on how much money you have to pay in any plan year. If you reach the out-of-pocket maximum, the plan pays 100% of covered expenses for the rest of the plan year.

An APCN PLUS – High Deductible plan is a medical plan in which you may select any physicians and hospitals in and outside the plan’s network of preferred providers.

In exchange for lower weekly premiums (than the APCN PLUS – Core plan option), you pay out of pocket for all care (except preventive care, which is covered at 100%) until you reach the plan’s annual deductible amount.

The APCN PLUS – High Deductible plan has a lower payroll deduction taken out of your paycheck than the other Aetna plans (APCN PLUS – Core but higher deduction than the MEC plans).
The APCN PLUS – High Deductible has the highest out-of-pocket costs at the time of service.
Available only with the APCN PLUS – High Deductible is an optional Health Savings Account (HSA).

How it works

Visit Aetna APCN Plus Doc Find, enter your home zip code, and click “Start Your Search”.
Once you meet the deductible, you pay part of the cost of covered services, and the plan pays the rest. The part you’re responsible for is called coinsurance.
The plan helps to protect you from extremely high medical costs through an out-of-pocket maximum. That’s a limit on what you have to pay in any plan year. If you reach the out-of-pocket maximum, the plan pays 100% of covered expenses for the rest of the plan year.

1. Solid coverage.

The APCN PLUS – HIGH DEDUCTIBLE medical plan covers all the same services as the APCN Plus Core medical plan.

2. You’ll likely save money.

Your weekly payroll deductions will be less for this plan compared to the Core medical plans. Direct the savings to a Health Savings Account (HSA) to cover your deductible and current and future medical expenses.

3. The Health Savings Account (HSA) gives you peace of mind.

HSAs let you save money for health care expenses before taxes are deducted from your paycheck. Just open your account when you enroll. Then, when you go to the doctor or pharmacy, you can use the money in your account to pay for your visit or prescription. That’s an automatic savings because the money you put aside in your HSA is deducted from your paycheck before taxes. You can use an HSA to pay for expenses now or in the future—even in retirement! Best of all, you own 100% of the money in your account—even if you change jobs or retire. And any money you don’t use during the year stays in your HSA—earning interest—for you to use in the future.

4. There’s only one deductible to meet.

No matter how many people you cover, your deductible will never be more than the total for individual or family coverage under the APCN Plus Multi-tier.

5. You’re protected through the out-of-pocket maximum.

That’s the limit on what you have to pay in any plan year. Once you reach the limit, the plan pays 100% of covered expenses for the rest of the plan year.

6. Chances are, your favorite doctors are in network.

BAYADA has partnered closely with Aetna to review and confirm the doctors who are part of Aetna’s expanded medical network – it’s highly likely that your current doctors are in-network with Aetna, and we can help you confirm if that is the case.

Medical Comparison Chart 2025

Who is Eligible?

All employees are eligible for the Minimum Coverage, Minimum Coverage Copay, Minimum Enhanced Coverage, and Minimum Enhanced Copay Plus plans upon hire, as there is no average hours requirement for these plans (state restrictions apply).

Plan Choices

The Minimum Coverage plans include 63 preventive tests and an array of other services.

BAYADA offers 4 different medical plans for you to choose from: MEC, MEC Copay, MEC Enhanced, and MEC Copay Plus. All plans, provided by Nationwide, include enhancements of telemedicine and the AWP Value Rx discount program. All new employees will receive enrollment information within the first 30 days of hire.

What you pay

Nationwide Medical Insurance Plan (MEC)

Minimum Enhanced Coverage Benefit Guide

Minimum Enhanced Coverage Benefit Guide (Spanish)

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Learn about online enrollment.

Enrolling online? Learn how to navigate the Workday portal to select which health insurance plans are right for you.

Learn more >

Ready to sign up for benefits?

If you are new to BAYADA or need a coverage change due to a qualified life event, click ENROLL NOW to be taken to BAYADA single sign on and then navigate to Workday, the online enrollment tool.

Enroll now >

If you want to
enroll over the phone,
call now.

CALL 877-318-1764 >