Postdoctoral Fellows and Hospital Residents Benefits 2025

Quick Resources

• Employee Contributions/Rates
• Healthcare Subsidy Form
• Unpaid Postdoctoral Fellows (Yale Health)

The following benefits apply only to Yale University paid Postdoctoral Fellows and Hospital Residents.

Explore Your Benefits

• Medical and Dental Insurance
• Benefits Contributions and Rates
• Compare Plans: In-Network and Out-Of-Network
• Additional Benefits and Resources
• Provider Contact Information
• Required Disclosers and Important Notices

Medical Insurance

Visit the medical comparison chart and benefits contributions and rates below to learn more about your options.

Yale Health

Yale Health is more than just a health insurance option–it’s an integral part of the Yale community, designed exclusively for Yale University faculty, retirees, students, staff, and their families. As Yale’s preferred healthcare provider for over 50 years, Yale Health offers a unique, patient-centered approach with nearly all services–primary care, specialty care, diagnostic imaging, urgent care, and a full pharmacy–under one roof. Our physician-led, non-profit model ensures you receive personalized, high-quality care. And if specialized care is needed, you’ll have access to top physicians from Yale School of Medicine. With emergency care coverage worldwide, you’re protected wherever life takes you. It’s no wonder that nearly 80% of Yale staff trust Yale Health with their healthcare. Join us and experience the convenience, care, and community that only Yale Health can offer.

Aetna

Alternately, you may enroll in Aetna Choice or Aetna Smart Care with Accident coverage through Yale’s Aetna program. Aetna members enjoy access to:

• Aetna Smart Care Accident Coverage
  Aetna Smart Care accident coverage provides lumpsum benefits for covered accidents and some hospital stays, free of charge, for you and your covered dependents.

• Aetna Minute Clinic®
  Aetna Minute Clinic–a walk-in medical clinic, located in select CVS pharmacy locations and Target stores–offers preventative health screenings, routine immunizations, women’s services, treatment of minor illnesses and injuries and more. Access is free for Aetna members, but there is a charge for Aetna Smart Care participants.

• Progyny Fertility, Family Building and Surrogacy Assistance
  Fertility and surrogacy benefits provide comprehensive coverage, personalized support, and high-quality care for fertility treatments as well as expense reimbursement for surrogacy.

Dental Insurance

Delta Dental is Yale’s exclusive dental carrier. Now is the time to make changes to dependent or family dental coverage. Annual dental reimbursement maximum is $3,500 per person. Review the dental plan documents and plan summary for more information.

• 100% for Preventive & Diagnostic
• 80% for Basic Restorative
• 50% for Major Restorative
• 50% coverage†* for Orthodontia

* Orthodontia is subject to; † $3,000 lifetime maximum.

Benefits Contributions and Rates

• Employee Contributions/Rates
• COBRA Rates 2025

Compare Plans

Benefits Resources and Rates

Footnotes:

1. Yale Health only provides out-of-area coverage for emergency and urgent care. A $50 late cancellation or no show penalty may apply to certain services. See Yale Health website and plan document for details.
2. The amount of out-of-pocket expenses you must pay for service before the plan pays any expenses per calendar year.
3. The amount you must pay for services, after the deductible has been paid.
4. The maximum amount you have to pay toward the cost of your medical care in the course of one year, including co-insurance and deductible
5. If a Preferred drug is available and an Alternative or Non-preferred drug is dispensed, you will be charged the applicable co-pay plus the difference in cost between the Alternative or Non-preferred drug and Preferred drug cost even if your provider requests the Alternative drug. In most cases, the Preferred drug is the same chemical entity/active ingredient as the Non-preferred drug.
6. In-Vitro Fertilization & Advanced Reproductive Technology (ART), are subject to life time limit of four (4) cycles. Artificial insemination (IUI) is subject to the $20,000 limit. See Plan Documents & Notices for plan details. This is a lifetime limit per contract regardless of carrier chosen.
7. Through Progyny’s benefit, members have access to a comprehensive suite of fertility treatment options.

This chart is a summary of the benefits provided under each option. For complete details, refer to the Yale Health and Aetna Plan Summary of Benefits and Plan documents located on the Plan Documents and Notices page.

The applicable plan documents govern all questions of interpretation.

Required Disclosures and Important notices are located on the Summary Annual Reports & Required Disclosures page.

Do You Have Other Insurance?

If you are covered by more than one insurance plan—such as your employer plan and your spouse’s employer plan—you must disclose this information to Yale Health or Aetna. Failure to disclose this information may affect the terms of your coverage or denial of claims.

Coordination of Benefits (COB) is the method used to determine which plan pays first, which pays second, and the amount paid by each plan.

Out-of-network facility charges for all Yale medical plans will be based on Medicare reimbursement levels, or what is considered reasonable and customary. This change applies to voluntary (non-emergency) facility use only. If you choose to utilize an out-of-network facility when an in-network facility is available, you may be subject to balance billing for any amount that exceeds the reasonable and customary reimbursement level.

End Stage Renal Disease (ESRD) and Medicare: If you or a family member is diagnosed with ESRD, you will need to enroll in Medicare by the 30th month of Medicare eligibility. During the 30-month coordination period your medical plan will be your primary coverage and Medicare can be optional. After 30 months, Medicare will be your primary coverage and your medical plan will only cover what Medicare would not have paid.

If you are enrolled in an additional insurance plan, you must provide information about that plan to Yale Health or Aetna.

Visit Yale Health Health Coverage for coordination of benefits information or download the (COB) form.

Log in to the Aetna website for more information about coordination of benefits.