Infosys is making the following changes and enhancements to your benefits effective April 1, 2025.
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.
in select service areas*
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 provider here
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.
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
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. |
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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 |
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!
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.
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 |
|
| Urgent care |
|
| Behavioral health |
|
| Short-term rehab |
|
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.
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:
Find a Pharmacy
You can search for in-network pharmacies by clicking on the button below.
Please note: select “Aetna National Pharmacy Network (most common)” in the “Select a Plan” drop down menu.
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.
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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
|
PLAN FEATURES |
FLEXIBLE FIVE PLAN MULTI-TIER |
BASIC PLAN MULTI-TIER |
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|---|---|---|---|---|---|
|
|
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. |
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|
Hospital Services |
30% after ded. |
50% after ded. |
30% after ded. |
50% after ded. |
50% after ded. |
|
PRESCRIPTION DRUGS - PrudentRx applies |
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| 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. |
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|
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: |
|
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|
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 |
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|---|---|---|---|---|---|---|
|
|
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. |
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Hospital Services |
20% after ded. |
40% after ded. |
50% after ded. |
30% after ded. |
50% after ded. |
50% after ded. |
|
PRESCRIPTION DRUGS - PrudentRx applies |
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| 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 |
||
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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: |
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Generic |
$30 copay |
Not covered |
$30 copay |
Not covered |
||
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Preferred Brand |
30% coinsurance; $120 min./$225 max. | 30% coinsurance; $120 min./$225 max. | ||||
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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 Comparisons - Non-APCN+ Service Area
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PLAN FEATURES |
FLEXIBLE FIVE PLAN |
BASIC PLAN |
STANDARD HSA PLAN |
BASIC HSA PLAN |
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|---|---|---|---|---|---|---|---|
|
|
In-Network |
In-Network |
Out-of-Network |
In-Network |
Out-of-Network |
In-Network |
Out-of-Network |
|
Plan Year Deductible |
Aggregate $5,000 Indiv. $11,500 Fam. |
Embedded $3,000 Indiv. $6,900 Fam. |
Embedded $10,500 Indiv. $24,150 Fam. |
Aggregate $1,650 Indiv. $3,795 Fam. |
Aggregate $6,500 Indiv. $14,950 Fam. |
Aggregate $3,000 Indiv. $6,900 Fam. |
Aggregate $10,500 Indiv. $24,150 Fam. |
|
Medical Out-of-Pocket Maximum Includes deductibles and/or copays |
$8,700 Indiv. $18,400 Fam. |
$7,350 Indiv. $16,600 Fam. |
$14,700 Indiv. $33,810 Fam. |
$3,300 Indiv. $7,590 Fam. |
$9,500 Indiv. $21,850 Fam. |
$7,350 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 |
Included in the Medical Out-of- Pocket Max |
Not covered |
Included in the Medical Out-of- Pocket Max |
Not covered |
Included in the Medical Out-of- Pocket Max |
Not covered |
|
Member Coinsurance |
30% after ded. |
30% after ded. |
50% after ded. |
20% after ded. |
50% after ded. |
30% after ded. |
50% after ded. |
|
Preventive Care - 1 exam every Plan Year |
Covered at 100% |
Covered at 100% |
50% after ded. |
Covered at 100% |
50% after ded. |
Covered at 100% |
50% after ded. |
|
Primary Care Physician |
30% after ded. |
$40 copay |
50% after ded. |
After ded. is met, then $25 copay |
50% after ded. |
After ded. is met, then $40 copay |
50% after ded. |
|
Specialist |
30% after ded. |
$70 copay |
50% after ded. |
After ded. is met, then $40 copay |
50% after ded. |
After ded. is met, then $70 copay |
50% after ded. |
|
CVS Health Virtual Care - On-Demand |
0% after ded. | $0 | Not covered | $0 after ded. | Not covered | $0 after ded. | Not covered |
|
MinuteClinic Benefit |
0% after ded. |
$0 |
Not covered | $0 after ded. | Not covered | $0 after ded. | Not covered |
| CVS Health Virtual Care and MinuteClinic Behavioral Health | 30% after ded. | $40 | Not covered | $25 after ded. | Not covered | $40 after ded. | Not covered |
| Retail Clinics | 30% after ded. | $15 | 50% after ded. | $15 after ded. | 50% after ded. | $15 after ded. | 50% after ded. |
|
Lab and X-ray Services |
30% after ded. |
30% after ded. |
50% after ded. |
20% after ded. |
50% after ded. |
30% after ded. |
50% after ded. |
| Physical/Occupational/Speech Therapy* | 30% after ded. | 30% after ded. | 50% after ded. | 20% after ded. | 50% after ded. | 30% after ded. | 50% after ded. |
|
Urgent Care |
30% after ded. | $70 copay |
50% after ded. |
After ded. is met, then $40 copay |
50% after ded. |
After ded. is met, then $70 copay |
50% after ded. |
|
Emergency Room - Emergency Care -Non-Emergency Care |
30% after ded. 50% after ded. |
$200 copay, then 30% after ded. 50% after ded. |
20%, after ded. 50% after ded. |
30%, after ded. 50% after ded. |
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Hospital Services |
30% after ded. |
30% after ded. |
50% after ded. |
20% after ded. |
50% after ded. |
30% after ded. |
50% after ded. |
|
PRESCRIPTION DRUGS - Prudent Rx applies |
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|
Retail (Up to 30-day supply) |
After ded. is met, then: |
|
After ded. is met, then: |
After ded. is met, then: |
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|
Generic |
$10 copay |
$10 copay |
Not covered |
$10 copay |
Not covered |
$10 copay |
Not covered |
|
Preferred Brand |
30% coinsurance; $40 min./$75 max. | 30% coinsurance; $40 min./$75 max. | 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. | 30% coinsurance; $75 min./$150 max. | 30% coinsurance; $75 min./$150 max. | |||
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Mail Order (31- to 90-day supply) |
After ded. is met, then: |
|
After ded. is met, then:
|
After ded. is met, then: |
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|
Generic |
$30 copay | $30 copay |
Not covered |
$30 copay |
Not covered |
$30 copay |
Not covered |
|
Preferred Brand |
30% coinsurance; $120 min./$225 max. | 30% coinsurance; $120 min./$225 max | 30% coinsurance; $120 min./$225 max | 30% coinsurance; $120 min./$225 max | |||
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Non-Preferred Brand |
30% coinsurance; $225 min./$450 max. | 30% coinsurance; $225 min./$450 max. | 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.
