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Medical Plan Options

NYU provides comprehensive medical coverage for you and your family. You may choose from the following Aetna medical plan options:

  • Aetna Langone Care Plan
  • Aetna Advantage Plan
  • Aetna Value Plan
  • Aetna High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
What to Know About Precertification (Google Slide)
Aetna Webinar: October 15

Aetna will host an info session at 12pm ET to introduce their services and answer questions. The session will be recorded and posted here.

Register now

NYU Langone Care Plan

NYU, in partnership with NYU Langone Health, offers an employee medical plan option through Aetna with a top-tier NYU Langone Health Network. If you and your covered family members live in an area with convenient access to NYU Langone facilities, this plan could be a cost-effective option for you. The NYU Langone Care Plan provides you and your family access to the world-class care that NYU Langone offers, as well as access to Aetna network providers. Out-of-network care is not covered, except for emergencies.

Important: The NYU Langone Care Plan provides no out-of-network benefits. It is crucial to carefully review the plan summary (Doc: 5 MB) and network provider listing on the Aetna and NYU Langone websites or mobile apps to ensure that you choose the plan that aligns with your personal health care needs. Consider your ability to access care at NYU Langone as you will have much higher out-of-pocket expenses if you utilize a non-NYU Langone provider or facility.

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Find a Participating NYU Langone FGP Provider - 2025 (Google Doc)
Find a Participating NYU Langone FGP Provider - 2026 Annual Enrollment (Google Doc)

NYU Langone Health Locations

Medical Plan Comparison of Key Features

Scroll right to view all four medical plans.

Medical COBRA Rates (Google Doc)
Key Features Langone Langone
 		Advantage Advantage Value
 		Value HDHP + HSA HDHP + HSA
Benefits NYU Langone Only Aetna In-network* In-network Out-of-network* In-network Out-of-network* In-network Out-of-network*
Deductible (The amount you pay for services before the plan begins paying benefits.)

Individual 

$200

Family

$400

Individual 

$2,600

Family

$5,200

Individual 

$400

Family 

$800

Individual 

$2,600

Family

$5,200

Individual 

$500

Family 

$1,000

Individual 

$2,600

Family

$5,200

Individual 

$1,700

Family

$3,400**

Individual 

$2,000

Family 

$4,000**
Primary Care Doctor's Office Visit (other than routine physical) $0 $30 copay $30 copay 40% after deductible $30 copay 50% after deductible 10% after deductible*** 40% after deductible***
Specialist Office Visit $0 $40 copay $40 copay 40% after deductible $40 copay 50% after deductible 10% after deductible*** 40% after deductible***
Coinsurance (Your portion after you meet the deductible. Coinsurance does not apply to services with copays.) 5% after deductible 50% after deductible 10% after deductible 40% after deductible 20% after deductible 50% after deductible 10% after deductible 40% after deductible
Mental Health and Substance Abuse – Office Visit $0 $0 $30 copay 30% (deductible is waived)
 $30 copay 30% (deductible is waived)
 10% after deductible 40% after deductible
Mental Health and Substance Abuse – Inpatient Services 5% after deductible 5% after deductible 10% after deductible 40% after deductible 20% after deductible 50% after deductible 10% after deductible 40% after deductible
Out-of-Pocket Maximum (The most you pay each calendar year for covered services; includes deductibles.)

Individual 

$1,000

Family

$2,500

Individual 

$8,000

Family

$15,000

Individual 

$3,000

Family 

$6,000

Individual 

$8,000

Family 

$15,000

Individual 

$4,500

Family 

$7,000

Individual 

$8,000

Family 

$15,000

Individual 

$3,600

Family 

$7,200

Individual 

$6,500

Family

$13,000
Emergency Room $150 copay $150 copay $150 copay $150 copay $150 copay $150 copay 10% after deductible 10% after deductible

* IMPORTANT: Eligible expenses are determined based on 190% of the published rates allowed by the Centers for Medicare and Medicaid Services (CMS) for Medicare for the same or similar service within the geographic market. Only the Medicare allowed amounts apply toward the deductible and out-of-pocket maximums. Any charges over the Medicare allowed amounts do not accumulate toward the deductible or out-of-pocket maximum. Your total out-of-pocket cost may include provider charges that are above the plan’s allowance. Please note that there are no out-of-network benefits for the NYU Langone Care Plan.

** One or more family members combined must meet the entire deductible that applies for family coverage before the Plan begins paying non-preventive care benefits, including prescription drug benefits.

*** Until the combined medical and prescription drug deductible is met, you will pay the full cost of your non-preventive medical expenses and non-preventive prescription drug expenses. Preventive drugs on the CVS/Caremark Preventive Drug Therapy List are not subject to the deductible. Coinsurance of 10% will apply.

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2026 Medical Plan Contributions

Monthly medical plan contributions are based on the plan you choose, the level of coverage, and your annual base salary. The University pays the majority of the cost of health care coverage for all eligible employees.

Tier 1: Base Salary Under $50,000
 		Langone Advantage
 		Value HDHP + HSA  
Employee $53 $76
 $23 $35
Employee + Spouse / Domestic Partner $237 $337 $197 $151
Employee + Child(ren) $215 $308 $176 $139
Employee + Spouse / Domestic Partner + Child(ren) $336 $481 $281 $218
Tier 2: Base Salary $50,000 - $74,999
 		Langone Advantage
 		Value HDHP + HSA  
Employee $104 $147
 $85 $65
Employee + Spouse / Domestic Partner $319 $457 $302 $206
Employee + Child(ren) $290 $414 $274 $188
Employee + Spouse / Domestic Partner + Child(ren) $460 $658 $429 $298
Tier 3: Base Salary $75,000 - $124,999
 		Langone Advantage
 		Value HDHP + HSA  
Employee $155 $222
 $146 $100
Employee + Spouse / Domestic Partner $428 $610 $429 $277
Employee + Child(ren) $390 $558 $392 $250
Employee + Spouse / Domestic Partner + Child(ren) $611 $873 $615 $394
Tier 4: Base Salary $125,000 - $174,999
 		Langone Advantage
 		Value HDHP + HSA
Employee $192 $274
 $196 $125
Employee + Spouse / Domestic Partner $558 $797 $586 $362
Employee + Child(ren) $506 $723 $529 $327
Employee + Spouse / Domestic Partner + Child(ren) $797 $1,137 $839 $514
Tier 5: Base Salary $175,000 +
 		Langone Advantage
 		Value HDHP + HSA
Employee $228 $326
 $248 $156
Employee + Spouse / Domestic Partner $631 $902 $672 $399
Employee + Child(ren) $571 $816 $607 $362
Employee + Spouse / Domestic Partner + Child(ren) $901 $1,287 $959 $571

Decision Support Tool

PlanFit, the Decision Support Tool available through the Benefits Resource Center, can be used to help you identify the plan that best fits your needs. When you arrive at the medical enrollment screen, a pop-up window will open that will ask if you would like help choosing the plan that is right for you. See the step-by-step Decision Support Tool instructions (Google Doc) on how to best utilize the Decision Support Tool.

You may also call Health Advocate at 866-695-8622 to review your benefit options with a Health Advocate representative.

Tip: Consider HDHP + HSA Plan

The Aetna High Deductible Health Plan (HDHP) with Health Savings Account (HSA), provides 100% coverage of eligible in-network preventive care services (PDF: 2.1 MB)* and significantly lower payroll deductions than the other medical plan options.

*Per IRS rules, HSA-eligible plans are not permitted to waive the deductible for non-preventive care

Summaries of Benefits & Coverage (SBCs)

Summary Plan Descriptions (SPDs)

2026 SPDs for all plans will be available in the first quarter of the new year.

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Additional Medical Plan Resources (PDF):