Health Care Plan

Aetna Choice® POS II Plan

The College will continue offering full-time employees the Aetna Choice® POS II Plan. 

NEW FOR 1/1/2026
Aetna Healthy Chapters - A program that offers expanded family care across all life stages.  Offerings include:

  • Fertility and Maternity Navigators - Personalized guidance throughout the journey
  • Complex Reproductive Care - Fertility, hormonal health, and family planning support for both men and women
  • A 24/7 Women’s Nurse Line 
  • Midlife and Healthy Aging - Guidance for men and women through midlife and beyond


Aetna Concierge - Dedicated and enhanced members’ services phone support from 8 am to 6 pm (ET), which will:

  • Enhance members’ experiences when contacting Aetna
  • Provide FIT-specific personalized support
  • Offer warm phone transfers to FIT-related programs like FIT’s Employee Assistance Program (EAP), ProAct* (prescription drug coverage), and Health Advocate*, among others
  • Inform members of programs that are available to FIT enrollees

New ID cards will be issued with the new Aetna concierge phone number; however, you may continue to use your current ID card when receiving services, as no other information on the card will change. Easy-to-use and convenient digital ID cards, available through the Aetna app, will automatically be updated with the new phone number. 

*  Available to enrollees in the Welfare Trust Fund’s benefit coverage only

What you need to do by Friday, November 14, 2025:

  • You do not want to make a change: Do nothing; your current election will carry forward to 2026.
  • You want to enroll, waive, or make a change to your covered dependents beginning January 1, 2026:  You must complete the Health Care Plan Enrollment Form and attach a marriage certificate, domestic partner documentation, or a child’s birth certificate(s) if enrolling a dependent.

Plan Details

The Aetna Choice® POS II Plan is available to employees and their eligible dependents. Eligible dependents are a legal spouse, a qualified domestic partner, and qualified children through the end of the month in which they reach age 26.  Employee semi-monthly, pre-tax payroll contributions are as follows:

  • Employee only coverage: $40 
  • Employee plus one dependent coverage: $70 
  • Employee plus two or more dependents coverage: $90 

The Aetna Choice® POS II Plan allows you to receive care from either in-network (participating) or out-of-network (non-participating) providers. You do not need to select a primary care physician (PCP), and no referrals are required when you seek care from a specialist.  When you see an in-network provider, most eligible services are covered with a copayment of $25 for a PCP and a copayment of $50 for a specialist.  No copayment is required for in-network preventive service visits.  A copayment of $25 is required for in-network laboratory or x-ray services.  When you see an out-of-network provider, you must first meet an annual $500 deductible per covered individual (to a maximum of $1,500 for employee plus two or more dependent coverage). Once the deductible is met, claims are paid at 80% of the Medicare reimbursement rate threshold as detailed below:

  • Threshold of 300% of Medicare reimbursement rates for all services, except physical therapy, acupuncture, and chiropractic services, which are set at a reimbursement threshold of 100% of Medicare reimbursement rates.

In-Network providers can be found on the Aetna website.  Enter your home zip code as requested, select "Aetna Choice® POS II (Open Access)," and then click "Continue" to search for a provider.  

The Aetna Choice® POS II Plan Schedule of Benefits, the Summary of Benefits and Coverage, and the Plan Booklet provide additional information.  Please note that this plan does not include prescription drug coverage (see important information below). 

Waiving FIT's Health Care Coverage

If you receive Health Care Plan coverage through a plan unrelated to FIT, you may choose to waive FIT's Health Care Plan coverage and receive a waiver payment of $50 in each semi-monthly paycheck (subject to all applicable payroll taxes).  

Important Information

If you experience a divorce or dissolution of a domestic partnership, please notify a benefits representative immediately to remove your ineligible dependent from your coverage.  Failure to drop a dependent when they are no longer eligible for coverage may make you responsible for repayment to Aetna of any claims paid after the date they were no longer eligible. Totally disabled children over age 26 may continue to be covered if approved by Aetna before they reach age 26.

Prescription drug coverage is provided through the UCE of FIT Welfare Trust Fund Benefits Program. For additional information, contact the UCE of FIT Welfare Trust Fund at (212) 217-3377 or email Anne Golden, the Welfare Trust Fund Manager.