Medical Coverage
What to Know
DuPont offers three medical plan options through Aetna to all regular, full-service employees working 20 hours or more per week. The most important thing to know about our medical plans is that they are here to protect your and your family’s health and wellbeing.
Medical Plans Overview
Each DuPont Medical Plan is designed differently, so there’s a fit for everyone. The Medical Plans differ for things like how much you pay in premiums from your paycheck and how much you pay in out-of-pocket expenses when you get care. While the plans have differences, they have some similarities, too. For example, they all cover preventive care at 100% and include prescription drug benefits. Continue reading for more details of each option.
The Core Option
The Core option is a high-deductible health plan (HDHP) that has in-network and out-of-network coverage and comes with a Health Savings Account (HSA). Together, you and DuPont contribute to the HSA to help pay, and save for, healthcare expenses, now or in the future.
The Core option has a lower deductible than our other high-deductible health plan, the Premium Saver option, but higher paycheck premiums. This means you’ll pay more in paycheck premiums for the Core option, but less in out-of-pocket expenses when you receive care.
The Premium Saver Option
The Premium Saver option is a high-deductible health plan (HDHP). Like the Core option, it comes with a Health Savings Account (HSA), which includes a Company-provided HSA contribution (in addition to your own contributions), allowing you to save for current and future healthcare expenses.
The Premium Saver option has the lowest premiums of the three DuPont Medical Plans; however, it has a higher deductible. This means you’ll pay less in paycheck premiums for the Premium Saver option, but more in out-of-pocket expenses before meeting the plan’s deductible.
The Traditional Copay PPO Option
The Traditional Copay PPO option is a preferred provider organization (PPO) plan. Through this plan, you have access to a network of providers that you can use to receive medical care. Each of these providers has agreed to provide care to plan members at a fixed rate for certain services, known as a copay.
Unlike the Core option and the Premium Saver option, the Traditional Copay PPO option does not come with a Health Savings Account (HSA). The Traditional Copay PPO option has the lowest deductibles of our medical plan options, and the same premiums as the Core option.
Coverage Comparison
This chart compares the in-network features of the three medical plan options. For more details, including what you’ll pay for out-of-network services, see the summary plan description on DuPont Connection.
Core Option
Premium Saver Option
Traditional Copay PPO Option
Annual Deductible
$3,600 (family)
$6,200 (family)
$2,000 (family)
Annual Out-of-Pocket Maximum
$10,000 (family)
$12,000 (family)
$12,000 (family)
Preventive Care
Office Visits
Telemedicine
(General Medicine Services)
Telemedicine
(Behavioral Health Services)
Telemedicine
(Dermatology Services)
Labs and X-Rays
Hospitalization
Generic Prescription Drugs
Brand Formulary Prescription Drugs
Brand Non-Formulary Prescription Drugs
Maintenance Medications
(if you fill more than twice at a retail pharmacy other than CVS)
Note: Prescription drugs applies to retail — up to two fills — and mail order.
Cost for Coverage
Paycheck premiums vary by plan. As part of our commitment to help you stay healthy, DuPont offers two ways for you to save on your medical plan premiums: through the Healthy Incentive Credit and by attesting to your current tobacco use.
When you participate in the Healthy Living Program with Virgin Pulse and meet the requirements to receive the Healthy Incentive Credit, you reduce your medical premiums for the following plan year. Similarly, if you support DuPont’s global tobacco-free policy by attesting to your tobacco use, you’ll avoid a $50 monthly surcharge to your medical premiums.
Healthy Incentive Credit Applied
Core Option
Premium Saver Option
Traditional Copay PPO Option
Employee Only
Employee + Spouse/
Domestic Partner
Employee + Child(ren)
Employee + Family
Healthy Incentive Credit Excluded
Core Option
Premium Saver Option
Traditional Copay PPO Option
Employee Only
Employee + Spouse/
Domestic Partner
Employee + Child(ren)
Employee + Family
To see coverage costs for other DuPont benefits, visit the What Does It Cost? page.
Which Plan Is Right for Me?
It’s easy to pick the plan with the lowest deductible and out-of-pocket maximum, but is that truly the best plan for you and your family? To help you make the best decision, use the medical plan comparison tool on DuPont Connection.
Support Services
In addition to the many support services you have through our medical plan provider, Aetna, you can also access additional resources. Note that these resources are only available if you’re enrolled in a DuPont Medical Plan.
Know that if you ever need support in finding the right medical plan, your first stop should always be your Accolade Health Assistant. Your Accolade Health Assistant will help you navigate your DuPont benefits, assess your needs, and direct you to the right resources to get your needs met.
Resource
When You Can Use It
Mental and Emotional Health
Telemedicine
Second Opinion Services
Chronic Conditions
New Year, New Opportunity
DuPont’s Healthy Living Program has a new way to fast-pass your Healthy Incentive Credit in 2024.
Accolade Health Assistants
A single point of contact for your health and wellness benefits questions.
1-877-383-4756
Accolade Website
Apple or Google Play App
