The Princeton Health Plan (PHP) is a point-of-service plan where costs are less when using providers in the plan’s network. Individuals can access doctors, hospitals, and providers outside of the network without a referral for an additional cost. The PHP includes the Prescription Drug Plan.
- Highest contribution offered.
- Choice of the Aetna Choice POS II (open access) Network or the UnitedHealthcare Choice Plus Network.
- In-network preventive services e.g. annual exams, colonoscopies, and mammograms covered at 100%.
- Prescriptions and copayment services e.g., office visits, telemedicine, and urgent care, are covered before deductible.
- After meeting the annual deductibles, coverage begins for all other medical services.
- After reaching the out-of-pocket maximums (OPMs), services are covered at 100%. OPMs are based on the employee’s annual base salary as of January 1 or the date of hire, if later.
- In-network preferred providers deliver coverage at the lowest cost followed by in-network non-preferred and out-of-network providers. All out-of-network costs are subject to reasonable and customary limits.
- Primary care physician (PCP) is not required but is highly recommended and does not introduce referral requirements.
- Referral is not required to see a specialist.
To minimize costs, consider using the following providers and resources:
If there are any discrepancies between the information in this publication, verbal representations, and the plan documents, the plan documents always govern. Although Princeton intends to continue these benefits, the University reserves the right to amend or terminate these plans at any time.