Stanford Choice High-Deductible Health Plan

The Stanford Choice High-Deductible Health Plan, administered by Aetna, has a nationwide network and a deductible and is eligible for a health savings account (HSA) with a university contribution.

After you meet your deductible, the university shares the cost of all benefits, including prescription drugs. The university pays for a larger share if you use in-network providers and facilities. This is the only plan available through Stanford that works in conjunction with an HSA with a university contribution that can be used toward your out-of-pocket deductible costs.

For 2026, the out-of-area employee contribution for the Choice High-Deductible plan has been phased out, and all employees enrolled will have the same contributions. Stanford has increased its contribution to the Health Savings Account (HSA) in 2026 for those enrolled in the Choice HDHP who also elect an HSA.

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.

Learn more about Crossover

Network

The Stanford Choice High-Deductible Health Plan uses the Aetna Choice POS II Network and offers coverage for both in-network and out-of-network services.

Know where to go for care

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.

Plan Details

View 2026 Plan Details

Traveling Outside the U.S.

Benefits will be provided for covered emergent and non-emergent 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. Members need to submit the claims to be reimbursed under the medical plan.

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 Stanford Choice High-Deductible Health Plan 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 Stanford Choice High-Deductible Health Plan EOC