ACA Basic High-Deductible Health Plan
The ACA Basic High-Deductible Health Plan works the same as the Stanford Choice HDHP, but has higher out-of-pocket costs.
This plan option meets the minimum essential coverage requirements under the federal health care reform, Affordable Care Act (ACA).
Advocacy Services and Clinical Care Management
Aetna offers a concierge program to help you maximize your benefits and guide you to the right resources. Clinical care specialists assist you in managing chronic medical conditions, answering questions, and finding the right doctors. Get started at Aetna’s website.
Crossover Health
If you are enrolled in Stanford Choice HDHP, Stanford Select Copay Health Plan, or ACA Basic HDHP, you can get primary care through Crossover Health's in-person or virtual clinics. This expanded access enables you to receive care more quickly and at a lower cost.
Crossover Health is not a replacement for your current medical plan. Rather, an enhancement to your existing plan. At Crossover, you’ll develop an ongoing relationship with an interdisciplinary care team that will address your health concerns and look at your health history, environment, and unique circumstances that affect your complete well-being.
Network
The ACA Basic High-Deductible Health Plan uses the Aetna Choice Network and offers coverage for both in-network and out-of-network services.
Aetna formulary for all three plans: Aetna Standard Plan
Outpatient Services
Aetna will help you locate high-quality and cost-effective options for diagnostic services, lab draws, imaging, colonoscopies, and other services. Visit Aetna’s website to compare costs or contact Aetna A1A member services at 833-971-4583.
There may be situations at certain facilities where providers are submitting 2 claims for the same visit, one for the provider (in office) and one for the facility (outpatient hospital). The Evaluations done on the professional claim are being processed as specialist visits, and the surgical procedures on the facility claims are being treated with Outpatient Benefits. If this occurs you may contact the Aetna A1A member services team and they can review and potentially rework it so only one of the cost shares applies.
Traveling Outside the U.S.
Benefits will be provided for covered services you receive anywhere in the world. We encourage you to see Aetna providers to help reduce your costs, but you still have the option to see any provider to get needed care.
You can access services through the Aetna Choice POS II network.
If you need to file a claim for emergency care received while overseas, contact Aetna at 855-888-9046 or 215-775-6445 to have an international claim form sent to you.
Learn more about traveling outside the U.S.
Plan Documents
Summary of Benefits Coverage (SBC)
An SBC is an overview of plan benefits, deductibles, copays, and coverage levels for a variety of commonly used medical treatments and services. Summary of Benefits Coverage (SBC)
2026 ACA Basic HDHP Summary of Benefits and Coverage
Evidence of Coverage (EOC) / Summary Plan Description (SPD)
An SPD or EOC is the official, detailed plan document for each plan outlining information about eligibility, costs and cost-sharing, included and excluded services, claims process, procedures for filing grievances, complaints, and appeals.
2026 ACA Basic HDHP EOC (long document)
Resources
Aetna Preventive Health Services flyer
Stanford's Mental & Behavioral Health resources
Aetna Plans Hearing Aid Benefit flyer
How to Access Hearing Aid Benefits with Aetna flyer