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What’s New for 2025

Infosys is making the following changes and enhancements to your benefits effective April 1, 2025.

  • More ways to access network care under APCN+ Multi-Tier*
  • New Plan – Basic HSA Plan
  • Plus Plan no longer available
  • Aetna Enhanced Maternity Program powered by Maven
  • HSA available with Standard and Basic Plan
  • $100 monthly working spouse surcharge
  • Healthcare FSA, $100 annual employer contribution for enrolled employees in Flexible Five and Basic Plan (non HSA plans)

*In select service areas

Each year, we look at our benefits package to ensure we offer the best value and coverage for you and your family. These changes allow us to best balance the value provided and the total cost of health care.

To find out more about the new APCN+ Multi-Tier Network plans, see your Medical Benefits below.

Introducing APCN+ Multi-Tier Network

You will have four medical plan options like today. However, you no longer have to decide what network of providers you want to use for your and your family's care throughout the year during Open Enrollment.

Infosys employees who live within Aetna’s APCN+ service area have the option to seek care through multiple tiers of network access when they need it. Flexible Five, Basic, and Standard will have these three tiers all year long.

Coverage Level Network Access Savings Your out of pocket costs
Tier 1 APCN+ Maximum Lowest
Tier 2 Broad Standard Higher
Out-of-Network Out-of-Network Lowest Highest

For employees whose zip code does not fall within the APCN+ service area,Infosys offers the same plans on the Broad network. This offers in- and out-of-network coverage for all plans except the Flexible Five.

Transition of Care

Transition of Care (TOC) coverage may be available. If approved, TOC coverage allows a member who is receiving treatment to continue the treatment for a limited time at the highest plan benefits level. An active course of treatment means you have begun a program of planned services with your doctor to correct or treat a diagnosed condition. Usually, TOC coverage lasts 90 days, but this may vary based on your condition (for example pregnancy). A separate form is required for each provider. We will tell you if your TOC coverage request is approved and how the coverage will last. Please see the TOC form and questions and answers section for additional information.

Search for a provider here.

$50 Tobacco-User Surcharge

Employees and spouses who are enrolled in an Infosys medical plan and who use tobacco or vapes will incur a $50 monthly surcharge (per tobacco-user) on their medical premiums. To avoid this surcharge, you must certify that you are tobacco-free during annual enrollment.

Falsifying tobacco status is subject to accountability and a breach of professionalism. While attesting to vaping/tobacco use, we expect all employees to uphold integrity and honesty. The plan sponsor reserved the right to take appropriate action if we discover disclosure breach.

Your health plan is committed to helping you achieve your best health. Tobacco users are being offered a reasonable alternative in order to avoid the tobacco surcharge being added to your medical plan cost. The tobacco surcharge can be avoided if a tobacco cessation class is completed at no cost to you. To find a complementary cessation programs in your state, please visit NAQC Quitline Map. To remove the surcharge, tobacco user will be required to fill out the Physician Affidavit /Tobacco Cessation form available under library and submit to bswift along with the completion certificate. For additional information you can contact bswift service center or US_benefits@infosys.com.

Working Spousal Surcharge

If there is a change in your spouse's eligibility for an employer's medical plan, it is your responsibility to report the change immediately by contacting the Service Center (866-758-1903). To remove the working spouse surcharge, please complete the “Working Spouse Surcharge Removal Form” available under library on bswift. Submit the required documentation from your spouse’s employer and the filled form to the Bswift /Infosys’ benefits team for review on your case.

Working Spouse Surcharge Removal Form is under Library in Enrollment Changes.

Earn Incentives

Take charge of your health and well-being while earning gift cards. Learn more about earning incentives in the table below.

Incentive activity Completion Dates Eligibility Incentive
Maternity Program (two activities)
Powered by Maven

Log in to the Aetna member website to enroll in the Aetna maternity program, or call 1-800-272-3531.

1. Completion of the risk assessment before 16th week 		Apr. 1 – Mar. 31 Employee and spouse $50 gift card
2. Completion of a pre-delivery call with a nurse Apr. 1 – Mar. 31 Employee and spouse $50 gift card
Critical Illness

Under the Critical Illness, Accident and Hospital Indemnity plans, receive a $75 benefit per covered person per year for having a covered health screen test. 		Apr. 1 – Mar. 31 Employee and spouse $75 benefit
Health Risk Assessment

Completion of health risk assessment on Aetna platform. 		Apr. 1 – Mar. 31 Employee $10 gift card

Redeeming your rewards

Redeem your egift card at the ActiveHealth Rewards Center.

Log in to the Aetna member website. You’ll need to register first if you haven’t done so before. Once you’ve logged in, you’ll be on your personalized Aetna® home page. Scroll down the right side of the page and find the Member Resources section. Click Well-Being Resources, and you’ll be taken to the ActiveHealth Rewards Center. 

You must redeem your $10 egift card for completing your Health Risk Assessment (HRA) on Aetna platform no later than March 31. Just click Redeem My Rewards in the Rewards Center. Please note that it could take six to eight weeks to process your reward.

You will receive an email from ActiveHealth (yourdigitalreward@blackhawkrewards.com) with your electronic Mastercard gift card.  

The subject line will state:  Your reward has arrived!

Your first stop on the path to better well-being.

Want to eat better or be more active? Need to better manage a health condition? Your personal health site can help. It’s easier than ever to track your health, look up symptoms or just find a healthy recipe for dinner tonight. Read below to learn more about the health programs available to you.

Health Assessment

Helps you build a picture of your overall health.

Once you visit the Aetna member website, you’ll want to complete your health assessment. It only takes about 10 minutes, and you’ll get a detailed report of your results. You can download it, share it with your doctor and update it at any time. It’ll also help you decide which health goals to focus on first.  

Ready to get started?

Just Log in or register to the Aetna member website, then scroll down and click on Well-being Resources.

My Record

Shows your health data, claims, tests and more.

Looking for a single place to keep your health information? Check the Records section. We’ll fill in everything we know, from health assessment and lab results to claims details. Then you can enter additional information. The more you add, the easier we can spot possible drug interactions or additional risk factors — and generate personalized Health Actions.  

Ready to get started?

Just Log in or register to the Aetna member website, then scroll down and click on Well-being Resources.

Digital Coaching Support

Lets you work on your health goals 24/7.

Your health goals: What’s your health goal? Our digital coaching tools can help you achieve it. You can work on things like being more active, losing weight, eating better, and more. Daily activities will help keep you moving forward.

Your health education: In this section, you’ll find hundreds of articles, flip cards, videos, and quizzes on topics like diabetes, migraines, depression, and general well-being.  

Ready to get started?

Just Log in or register to the Aetna member website, then scroll down and click on Well-being Resources.

24/7 Library

Helps you find a wide range of information.

Tired of hunting for health information? Just head to the Library. From looking up symptoms to finding healthy recipes, you can browse a variety of relevant, up-to-date topics.  

Ready to get started?

Just Log in or register to the Aetna member website, then scroll down and click on Well-being Resources.

Social Communities

Lets you contact others facing similar challenges.

Sometimes it helps to talk to people who truly “get it.” Our Social Communities section lets you connect with other people who have the same health challenges you do. It’s a safe, secure, private place to discuss topics like depression, cancer, diabetes and more.  

Ready to get started?

Just Log in or register to the Aetna member website, then scroll down and click on Well-being Resources.

Devices & Apps

Lets you sync your devices and stay connected.

Create a more complete view of your health by connecting your favorite fitness device or health app. Look for yours in the Devices & Apps list. Just follow the steps on the right, and the next time you sync your app, all your data will be there.

You can connect over 20 popular devices and apps.  

Ready to get started?

Just Log in or register to the Aetna member website, then scroll down and click on Well-being Resources.

Explore Your Benefits

Medical Benefits

Infosys offers four medical plan options for you to choose from through Aetna.

The Flexible-Five Plan is a low-cost option that pays 100% of your first five health care services from the pre-defined list below before your start paying toward your deductible.

Category Services (must be in-network)
Medical PCP, CVS Health Virtual Care, and MinuteClinics
Labs and X-rays performed in a PCP office or non-hospital facility
Urgent care Urgent care, walk-in clinics and MinuteClinics
Behavioral health Office visits, CVS Health Virtual Care, and MinuteClinics
Short-term rehab Physical, occupation or speech therapy

Each plan member receives up to five no-cost visits. Once you meet your five-visit limit, all additional visits apply to your deductible or coinsurance. Services that do not fall under the pre-defined list are also subject to the deductible or coinsurance. Preventive care is also covered at no cost and does not count toward the five no-cost services.

Network Access Changes

All four medical plans are moving to the Aetna Premier Care Network Plus (APCN+) Multi-Tier network. APCN+ Multi-Tier plans give you more coverage options. Providers are assigned to three different tiers based on their performance and ability to save you money. The highest performing and most efficient doctors and facilities are in Tier 1. Make sure you understand the benefits of each tier and which category your providers fall under before receiving treatment. 

  • Tier 1 – APCN+ Network - where available
  • Tier 2 – Broad Network
  • Out-of-Network

APCN+ Service Area

If you live within Aetna's APCN+ service area based on your zip code, you have the option to seek care through any of the three network tiers. You will save the most money by selecting Tier 1 doctors and facilities, so be sure to choose these providers whenever possible. If your provider falls under the broader Tier 2 network, you can still visit them but at a higher copay or coinsurance and deductible. Providers outside the Tier 1 and tier 2 networks are considered out-of-network and offer the lowest amount of savings or no coverage at all. To find in-network providers, visit www.aetnadocfind.com/Infosys, enter your home zip code, and click "Start Your Search." Follow the prompts to search as a guest. In the search results, Tier 1 providers are labeled "Maximum Savings" and Tier 2 providers are labeled "Standard Savings."

Non-APCN+ Service Area

If your zip code does not fall within the APCN+ service area, you will still choose from four medical plans, but you will have access to the Broad network. All plans offer in- or out-of-network coverage, except Flexible Five*, which covers in-network providers only. To find in-network providers, visit www.aetnadocfind.com/Infosys, enter your home zip code, and click "Start Your Search." Follow the prompts to search as a guest.

*Not available unless you live within one of the network service areas.

Please refer to the Infosys Benefit Enrollment Guide for more details.

Where to go for care

To find a list of doctors who participate in the Aetna network, click the button below:

Search Now

Find a Pharmacy

You can search for in-network pharmacies by clicking on the button below.

Search Now

Please note: select “Aetna National Pharmacy Network (most common)” in the “Select a Plan” drop down menu. 

CVS® HealthHUB™: Where healthier meets easier

Keeping you and your family healthy is critical. And, as we continue to navigate the uncertainty around the COVID-19 pandemic, it’s important to know there’s a trusted place to get the care you may need.

Staying on track with your health can be easier when you can get affordable care and support that fits your lifestyle, right in your neighborhood.

  • Talk to the care concierge when you enter the store to connect to CVS HealthHUB services and products that can help you reach your health goals.
  • See the MinuteClinic® providers for everyday health needs, like a case of strep throat; for urgent needs, like a sprained ankle; or for tests and screenings for a chronic condition, like diabetes, high blood pressure or sleep apnea. They can prescribe medication, where appropriate, and share details of your visit with your doctor, too.
  • Meet with the pharmacist to learn about support tools and resources that can help you stay well. They’ll connect you to any screenings and immunizations you may need, too.

Find a location near you or schedule an appointment to see a MinuteClinic provider.

See all of your options and costs for finding care in the chart below. You can also view a side-by-side comparison (PDF) of your care options.

Medical Plan Comparison - Multi-Tier Network

Plac Features

Flexible Five Plan

Multi-Tier

Basic Plan

Multi-Tier

 

Tier 1

Maximum Savings

Tier 2

Standard Savings

Tier 1

Maximum Savings

Tier 2

Standard Savings

Out-of-Network

Lowest Savings

 

Plan Year Deductible

Aggregate

$5,000 Indiv.

$11,500 Fam.

Aggregate

$7,500 Indiv.

$18,400 Fam.

Embedded

$3,000 Indiv.

$6,900 Fam.

Embedded

$6,000 Indiv.

$13,800 Fam.

Embedded

$10,500 Indiv.

$24,150 Fam.

Medical Out-of-Pocket Maximum Includes deductibles and/or copays

$8,700 Indiv.

$18,400 Fam.

$9,200 Indiv.

$18,400 Fam.

$7,350 Indiv.

$16,600 Fam.

$9,200 Indiv.

$18,400 Fam.

$14,700 Indiv.

$33,810 Fam.

Rx Out-of-Pocket Maximum Includes deductibles and/or copays

 Included in the medical out-of-pocket max.

Included in the medical out-of-pocket max.

 Not covered

Member Coinsurance

 30% after ded.

50% after ded.

30% after ded.

50% after ded.

50% after ded.

Preventive Care - 1 exam every Plan Year

 Covered at 100%

Covered at 100%

Covered at 100%

Covered at 100%

50% after ded.

Primary Care Physician

 30% after ded. 50% after ded.

$40 copay

 $75 copay 50% after ded.

Specialist

 30% after ded. 50% after ded.

$70 copay

 $105 copay 50% after ded.

CVS Health Virtual Care - On-Demand

 0% $0 Not covered

MinuteClinic Benefit

 0% 0% Not covered
CVS Health Virtual Care and MinuteClinic Behavioral Health 30% after Tier 1 ded. $40 Not covered
Retail Clinics 30% after ded. 50% after ded. $15 50% after ded.

Lab and X-ray Services

 30% after ded.

50% after ded.

30% after ded.

50% after ded.

50% after ded.
Physical/Occupational/Speech Therapy* 30% after ded.

50% after ded.

30% after ded.

50% after ded.

50% after ded.

Urgent Care

 30% after ded.

50% after ded.

$70 copay

 $105 copay 50% after ded.

Emergency Room - Emergency Care -Non-Emergency Care

30% after Tier 1 ded.

50% after ded.

$200 copay, the 30%, no ded.

50% after ded.

Hospital Services

 30% after ded.

50% after ded.

30% after ded.

50% after ded.

50% after ded.

PRESCRIPTION DRUGS - PrudentRx applies
Retail (Up to 30-day supply) After ded. is met, then:  

Generic

 $10 copay

$10 copay

 

 

Not covered

Preferred Brand

30% coinsurance; $40 min./$75 max.

30% coinsurance; $40 min./$75 max.

Non-Preferred Brand

 30% coinsurance; $75 min./$150 max. 30% coinsurance; $75 min./$150 max.

Mail Order (31- to 90-day supply)

 After ded. is met, then:

 

Generic

 $30 copay $30 copay

 

 

Not covered

Preferred Brand

 30% coinsurance; $120 min./$225 max. 30% coinsurance; $120 min./$225 max.

Non-Preferred Brand

 30% coinsurance; $225 min./$450 max. 30% coinsurance; $225 min./$450 max.

*Subject to medical necessity review after 25 visits; combined in- and out-of-network.

Medical Plan Comparison - Multi-Tier Network Continued

Plan Features

Standard HSA Plan

Multi-Tier

Basic HSA Plan

Multi-Tier

 

Tier 1

Maximum Savings

Tier 2

Standard Savings

Out-of-Network

Lowest Savings

Tier 1

Maximum Savings

Tier 2

Standard Savings

Out-of-Network

Lowest Savings

 

Plan Year Deductible

Aggregate

$1,650 Indiv.

$3,795 Fam.

Aggregate

$4,000 Indiv.

$9,200 Fam.

Aggregate

$6,500 Indiv.

$14,950 Fam.

Aggregate

$3,000 Indiv.

$6,900 Fam.

Aggregate

$6,000 Indiv.

$13,800 Fam.

Aggregate

$10,500 Indiv.

$24,150 Fam.

Medical Out-of-Pocket Maximum Includes deductibles and/or copays

$3,300 Indiv.

$7,590 Fam.

$6,000 Indiv.

$13,800 Fam.

$9,500 Indiv.

$21,850 Fam.

$7,350 Indiv.

$16,600 Fam.

$8,300 Indiv.

$16,600 Fam.

$14,700 Indiv.

$33,810 Fam.

Rx Out-of-Pocket Maximum Includes deductibles and/or copays

 Included in the medical out-of-pocket max.

Not covered

Included in the medical out-of-pocket max.

 Not covered

Member Coinsurance

 20% after ded.

40% after ded.

50% after ded.

30% after ded.

50% after ded.

50% after ded.

Preventive Care - 1 exam every Plan Year

 Covered at 100%

Covered at 100%

50% after ded.

Covered at 100%

Covered at 100%

50% after ded.

Primary Care Physician

 After ded. is met, then $25 copay After ded. is met, then $35 copay

50% after ded.

 After ded. is met, then $40 copay After ded. is met, then $75 copay 50% after ded.

Specialist

 After ded. is met, then $40 copay After ded. is met, then $50 copay

50% after ded.

 After ded. is met, then $70 copay After ded. is met, then $105 copay

50% after ded.

CVS Health Virtual Care - On-Demand

 $0 after Tier 1 ded. Not covered $0 after Tier 1 ded. Not covered

MinuteClinic Benefit

 $0 after Tier 1 ded. Not covered $0 after Tier 1 ded. Not covered
CVS Health Virtual Care and MinuteClinic Behavioral Health $25 after Tier 1 ded. Not covered $40 after Tier 1 ded. Not covered
Retail Clinics $15 after ded. 50% after ded. $15 after ded. 50% after ded.

Lab and X-ray Services

 20% after ded.

40% after ded.

50% after ded.

30% after ded.

50% after ded.

50% after ded.
Physical/Occupational/Speech Therapy* 20% after ded. 40% after ded. 50% after ded. 30% after ded. 50% after ded. 50% after ded.

Urgent Care

 After ded. is met, then $40 copay After ded. is met, then $50 copay

50% after ded.

After ded. is met, then $70 copay

 After ded. is met, then $105 copay 50% after ded.

Emergency Room - Emergency Care -Non-Emergency Care

20% after Tier 1 ded.

50% after ded.

30% after Tier 1 ded.

50% after ded.

Hospital Services

 20% after ded.

40% after ded.

50% after ded.

30% after ded.

50% after ded.

50% after ded.

PRESCRIPTION DRUGS - PrudentRx applies
Retail (Up to 30-day supply) After ded. is met, then: After ded. is met, then:

Generic

 $10 copay

 

 

Not covered

$10 copay

 

 

Not covered

Preferred Brand

 30% coinsurance; $40 min./$75 max. 30% coinsurance; $40 min./$75 max.

Non-Preferred Brand

 30% coinsurance; $75 min./$150 max. 30% coinsurance; $75 min./$150 max.

Mail Order (31- to 90-day supply)

 After ded. is met, then:

After ded. is met, then:

Generic

 $30 copay

 

 

Not covered

 $30 copay

 

 

Not covered

Preferred Brand

 30% coinsurance; $120 min./$225 max. 30% coinsurance; $120 min./$225 max.

Non-Preferred Brand

 30% coinsurance; $225 min./$450 max. 30% coinsurance; $225 min./$450 max.

*Subject to medical necessity review after 25 visits; combined in- and out-of-network.

Dental Benefits

Infosys offers two dental plan options through Aetna, the Basic Dental PPO Plan and the Premium Dental PPO Plan. The plans cover in- and out-of-network providers, but you will pay less out-of-pocket if you stay within the network. As part of annual preventive care, enrolled participants are eligible for up to two cleanings and exams per year. To find a participating dentist, visit www.aetna.com. Please note, all deductibles and out-of-pocket amounts accumulate on a calendar year (January 1 – December 31) basis.

 

BASE DENTAL PPO PLAN

PREMIUM DENTAL PPO PLAN

 

In-Network

Out-of-Network

In-Network

Out-of-Network

Calendar Year Deductible

$50 Individual / $150 Family

$50 Individual / $150 Family

Annual Maximum

$2,500 per individual

$3,000 per individual

Diagnostic & Preventive Services -

Type A Expenses

Covered at 100%, no deductible

Covered at 100% up to ARC*; no deductible

Covered at 100%, no deductible

Covered at 100% up to ARC*; no deductible

Basic Services - Type B Expenses

20% after deductible

20% after deductible,

up to ARC*

10% after deductible

10% after deductible,

up to ARC*

Major Services - Type C Expenses

40% after deductible

40% after deductible,

up to ARC*

30% after deductible

30% after deductible,

up to ARC*

Orthodontic  Expenses

Not covered

Covered at 50%; up to $3,000 lifetime maximum

To view the bi-weekly premium contributions, please log in to the Infosys Benefits Website.

*ARC is the maximum amount Aetna will pay for a covered expense from an out-of-network provider.

Dental/Medical Integration Program reaches out to individuals with targeted medical conditions, including cardiac, diabetes, and maternity, and recommends enhanced dental care as part of their overall treatment. For details, visit the member website.

Vision Benefits

Infosys offers vision benefits through VSP. For a list of participating providers, visit www.vsp.com. To learn about additional discounts and savings, visit www.vsp.com/specialoffers.

VSP Vision Plan

 

In-Network

Eye Exam - once every 12 months

$0 copay

 

Frames - once every 12 months

$200 allowance for a wide selection of frames

$220 allowance for featured frame brands

20% savings on the amount over your allowance

$110 allowance at Costco & Walmart

Lenses - once every 12 months

$0 copay

Lens Enhancements - once every 12 months

$0 copay for progressive lenses, ultraviolet coating

Average savings of 40% on other lens enhancements

Contact Lenses (in lieu of glasses) -

once every 12 months

$0 copay

$200 allowance for contacts

Contact Lens Exam Fitting and Evaluation - once every 12 months

Up to $25

Extra Savings

Discounts are available on sunglasses, computer glasses, retinal screenings, and laser vision correction.

Please refer to your benefit summary for more information.

Computer Vision Care (employees only)

Eye exam to evaluate needs related to computer use. Single vision, lined bifocal, lined trifocal, and occupational lenses are covered in full. $90 retail frame allowance.

LightCare (employees and dependents)

$200 allowance for ready-made non-prescription sunglasses instead of prescription glasses or contacts. If you choose non-prescription sunglasses, you’ll be eligible for glasses or contacts 12 months from the date the sunglasses were obtained.

Essential Medical Eye Care

Treatment and diagnosis of eye conditions like pink eye, vision loss, and monitoring of cataracts, glaucoma and diabetic retinopathy. $20 exam copay.

To view the bi-weekly premium contributions, please log in to the Infosys Benefits Website.

For more information on vision, select one of the topics below:

You can also visit the websites to learn more about vision savings and discounts available to you:

Maven provides virtual care for Aetna members and their partners at no cost through the Aetna Enhanced Maternity Program. Maven can help you learn about pregnancy and your baby's health, reduce any health risks you may have, quit smoking, cope with postpartum depression, and more.

Visit mavenclinic.com/join/aetnamaternity-OP or call 1-800-272-3531 to join at no cost to you.

Whether you’re expecting or just starting to plan a family, the Aetna Maternity Program is here to help. When you join the program, you can talk to an OB-GYN trained nurse, receive a fact-packed booklet for Dad or partner, and even get help to quit smoking. You can earn along the way:

  • $50 gift card when you complete the pregnancy risk assessment by your 16th week of pregnancy.
  • Another $50 gift card when you schedule and complete a pre-delivery call with your program nurse.

Log in to the Aetna member website to enroll in the Aetna maternity program, or call 1-800-272-3531.

Free text messages to keep you and your baby healthy

  • Text4baby is a free service that sends you three text messages a week throughout your pregnancy and your baby's first year.
  • The messages include expert health and safety tips on prenatal care, nutrition, safe infant sleep and more. You can cancel the service whenever you wish.
  • Aetna has been an outreach partner of Text4baby since 2010. Hundreds of thousands of moms and moms-to-be have used Text4baby.
  • To get started, text BABY (or BEBE for Spanish messages) to 511411.Learn more or sign up online