Medical Coverage

At Prudential, we know how important health coverage is for you and your loved ones. That's why we provide comprehensive health benefits—along with information to help you decide which plans and options are best for your needs. It starts with our Medical Program—an optional benefit, generally paid for with before-tax dollars.

The Prudential Medical Program includes medical coverage options and insurance plans that offer choice and flexibility. Medical coverage options include:

Consumer-Directed Health Programs (CDHPs)
Under these programs, you may choose health-care services from in-network providers that provide covered services at reduced or negotiated fees, or you may go out of network to any health-care provider you choose. You will also have access to a Health Fund that helps pay for eligible health-care expenses.

High-Deductible Health Program (HDHP)
This health program allows you to obtain coverage for health-care services from in-network providers once you have met the annual deductible. If you enroll in the HDHP, you can also elect to establish a Health Savings Account (HSA) that allows for pre-tax contributions to pay for eligible health-care expenses. 
  
National Aetna HMO and Local HMOs
With these health-maintenance organizations, care is rendered only through in-network providers that contract with the HMO. There are no benefits for out-of-network care, except for emergency care.


Flexible Spending Accounts
Flexible Spending Accounts (FSAs) let you pay for certain health-care and dependent care expenses with before-tax dollars, providing you with tax advantages. Your FSA choices include:

  • Health-Care Reimbursement Account
    This FSA allows you to set aside up to $2,500 on a before-tax basis to pay for medical, dental, and vision care expenses that are not covered in full by any other health-care coverage that you have. This is a voluntary program.

  • Limited-Purpose Health-Care Reimbursement Account
    This FSA allows you to set aside up to $2,500 on a before-tax basis to pay for dental and vision care expenses that are not covered in full by any dental or vision coverage that you have. This option is available for employees who contribute to a Health Savings Account (HSA). This is a voluntary benefit program.

  • Dependent Care Reimbursement Account
    This FSA allows you to set aside up to $4,000 on a before-tax basis to pay for day care for children under the age of 13 and/or older dependent adults. Prudential will match 25% of every dollar you set aside, up to a maximum of $1,000 per eligible employee per year (combined maximum $5,000). This is also an optional benefit program.


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