HEALTH CARE
Medical
Aptiv offers three medical plan options through Blue Cross Blue Shield (BCBS): the High-Deductible Health Plan (HDHP) Value Plan, the HDHP Standard Plan, and the PPO Plan. Each medical plan option provides support and flexibility, giving the same comprehensive benefits for the level of coverage you and your family need. While you will find the same wide range of services, including surgery, hospitalization, office visits, preventive care, virtual care, mental health, and substance abuse coverage through all of Aptiv’s medical plan options, each plan has differences in the respective employee contributions and out-of-pocket expenses.
To review a cost comparison of all three medical plan options, see below or visit NetBenefits. You will find useful resources designed to help you understand your benefits options, including the Decision Support Tool to get help choosing an Aptiv medical plan.
Find a BCBS PPO Network Provider
When you use in-network providers, you reduce your cost for your medical services. Ask your doctor or check online to verify your doctor is part of the BCBS PPO network. To find an in-network PPO provider, access www.bcbsm.com and select Find Care to search without logging in (select PPO Plans), or login to simplify your search. You can also contact BCBS of Michigan directly at 800.854.5901 for assistance.
2026 Medical Plans – Employee Contributions
Your cost for medical coverage depends on the plan you choose, and your level of coverage as shown below.
Your Cost for 2026 Medical Coverage | ||||||
| HDHP Value Plan | HDHP Standard Plan | PPO Plan | ||||
Monthly | Semi-Monthly | Monthly | Semi-Monthly | Monthly | Semi-Monthly | |
You Only | $67.00 | $33.50 | $134.00 | $67.00 | $162.00 | $81.00 |
You + Spouse/Domestic Partner | $166.00 | $83.00 | $324.00 | $162.00 | $391.00 | $195.50 |
You + Child(ren) | $137.00 | $68.50 | $267.00 | $133.50 | $323.00 | $161.50 |
You + Family | $239.00 | $119.50 | $465.00 | $232.50 | $578.00 | $289.00 |
2026 Medical Plans – Summary | ||||||
Medical Benefits | HDHP Value Plan | HDHP Standard Plan | PPO Plan | |||
| In-Network | Out-of-Network | In-Network | Out-of-Network | In-Network | Out-of-Network |
Aptiv HSA Annual Contribution | Up to $300/$600* | Up to $600/$1,200* | N/A | |||
Deductible (Ded)1 | $3,500/$7,000 | $2,000/$4,000 | $750 Individual/$1,500 Family | |||
Coinsurance | 20% | 40% | 20% | 40% | 20% | 40% |
Out-of-Pocket Maximum (includes deductible, coinsurance) | $7,000 | Unlimited | $4,000 | Unlimited | $3,000 | Unlimited |
Doctor's Office Visit | Ded & | Ded & | Ded & | Ded & | $25 copay | Ded & |
Virtual Care | Ded & | N/A | Ded & | N/A | $15 copay | N/A |
Urgent Care | Ded & | Ded & | Ded & 20% | Ded & | $50 copay | Ded & |
Emergency Room | Ded & 20% | Ded & 20% | $150 copay | |||
Rx Retail – up to a 34-day supply | After Medical Deductible $12 copay | After Medical Deductible $12 copay |
$12 copay | |||
RX Mail Order (Express Scripts or CVS Smart90) – up to a 90-day supply Generic | After
$25 copay | Not | After
$25 copay | Not |
$25 copay | Not |
Download the 2026 medical cost comparison chart as a PDF.
1 Please review the terms and considerations for Deductible below to see the differences between PPO’s embedded deductible and HSHP’s true family deductible.
Important terms and considerations for Aptiv’s Medical Plans
Deductible
An Annual Deductible is the amount you pay out of pocket for covered expenses, except for certain preventive services and drugs, before your medical plan starts covering costs. Aptiv’s medical plans have a combined in-network and out-of-network annual deductible.
In the High-Deductible Health Plans (HDHPs), there is a true family deductible for those covering dependents. This means that the full family deductible must be satisfied before the HDHP will begin paying benefits for you or any covered family member. One family member or a combination of multiple family members can satisfy the family deductible. All covered services and prescription drugs are subject to the deductible, except certain preventive services and the annual routine eye exam.
High-Deductible Health Plans (HDHPs) are designed to have a lower monthly premium but higher out-of-pocket costs than a typical PPO plan. HDHPs have many of the same features of a traditional PPO plan including 100% coverage of preventive health services. However, you must meet your deductible before the plan begins to pay for medications or non-preventive health services. In addition to lower premium costs, HDHPs give you the opportunity to contribute to an HSA, which is a triple tax-advantaged account. HSAs can be a great vehicle to save and grow your money to plan for your health care expenses in the future. Your money rolls over from one year to another and it is your own individual account. Funds can be invested once you have achieved a high enough HSA balance. Aptiv will contribute to the HSA for employees who select an HDHP plan.
In the PPO Plan, there is an embedded deductible. This means the plan will begin paying benefits for certain covered services (i.e., services and prescription drugs that do not require a flat copay) once a covered family member satisfies the individual deductible even if other family members on your family coverage have not reached their deductible. Other covered family members who have not reached their individual deductible will continue paying the full share of their covered expenses until they reach their individual deductible or until the entire family deductible is reached, whichever is sooner. Note that for the PPO Plan, some services and prescription drugs require flat copays and are not counted towards the deductible.
Out-of-Pocket Maximum (OOPM)
An Annual Out-of-Pocket Maximum (OOPM) is the maximum amount that you will pay for covered services and prescription drugs during the calendar year (includes amounts applied towards your deductible, coinsurance, copays).
In the HDHPs and PPO Plan, there is an embedded OOPM. This means that once a covered family member satisfies the individual OOPM, covered services and prescription drugs will be paid by the plan at 100% for the remainder of the calendar year for that individual even if other covered family members have not reached their individual OOPM (the rest of the covered family members will continue to pay deductible, coinsurance and copays for covered services until the full family OOPM is met).
Medical Plan Coverage Reminders
Fertility Coverage
You and your covered spouse/domestic partner who are enrolled in an Aptiv BCBS medical plan have coverage to support your family forming journey. Covered medical services include consultations with a reproductive endocrinologist, in vitro fertilization, and intrauterine insemination. Fertility support services are covered up to a maximum lifetime benefit of $10,000 for covered medical services. Additional services may be available under your prescription drug coverage and family building support through Maven, which are described below.
Virtual Care Visits
Blue Cross Virtual Care visits are powered by Teladoc Health. You have access to the virtual urgent care and behavioral health (therapy and psychiatry) services in the U.S. These visits typically cost less than in-person office visits, and they’re convenient! Visit bcbsm.com/virtualcare for a link to download the Teladoc Health app. You can also open the Blue Cross Blue Shield of Michigan mobile app, click Find Care and then Virtual Care. You will need your BCBS ID card.
The benefits include:
- 24/7 medical care: for minor illnesses (such as cold and flu, sore throat, eye irritation or redness) without an office appointment; routine behavioral health by appointment only
- Behavioral health care – age minimums apply: ages 13+ for therapy; ages 18+ for psychiatry
- Access to low-cost online visits:
- Under the HDHPs, you pay the full cost of online care until you meet your annual deductible ($65 or less for medical visits; the cost for mental health visits depends on the type of provider and service).
- Under the PPO plan, you pay a $15 copay for a medical or behavioral health visit
- Prescriptions sent electronically to a pharmacy of your choice
If you have questions or need help with your Virtual Care account or an online visit, please call 800.835.2362.
Virtual Health Programs for BCBS Medical Plans
New for 2026 (BCBS Medical Plans): Virtual Condition Management (Teladoc Health) & Virtual Muscle and Joint Health (Hinge Health), and BCBS Enhanced Coordinated Care Programs
We are expanding our BCBS virtual health program offerings with Teladoc Health and Hinge Health to bring you four new dedicated programs to help support you on your health journey – at no cost to you!
Virtual Condition Management through Teladoc Health
- Hypertension Management Program: Track progress with an easy monitoring app and receive personalized coaching and action plans for hypertension, dyslipidemia, weight management, and mental health.
- Weight Management Program: Work with a certified health coach to design simple, personalized plans for improving nutrition, physical exercise, and sleep habits. Participants will receive a connected scale to seamlessly track their progress.
- Diabetes Prevention Program: Understand how your lifestyle habits impact your health and how you can make small changes to drive big wins. Connect with expert coaches and online groups for support and guidance.
Virtual Muscle and Joint Health Program through Hinge Health
- Muscle & Joint Health Program: Accessible via the convenient Hinge Health app, you can connect with a specialized care team to get stretching and exercise instruction to prevent, treat, and recover from muscle and joint pain.
Michigan Auto Insurance – Qualified Health Coverage
Due to the HDHP Value Plan’s $7,000 annual family deductible (applicable to coverage tiers: You and Spouse, You and Child(ren), You and Family), the HDHP Value Plan covering you and your dependents, does not currently meet the requirements of qualified health coverage under Michigan auto law to reduce certain levels of Personal Injury Protection (PIP) coverage.
Currently, the following Aptiv medical plans are qualified health coverage under Michigan auto law:1
- HDHP Standard Plan (all coverage tiers)
- PPO Plan (all coverage tiers)
- HDHP Value Plan (You only)
To obtain a letter for your Michigan auto insurance, please follow these instructions.
1 through 6/30/26; Michigan reviews and updates is Michigan auto law effective July 1st each calendar year.
Prescription Drugs
Prescription drug coverage is offered through Express Scripts for Aptiv’s BCBS medical plans, which allows for convenient home delivery. While you can pick up orders at your local pharmacy, you will generally save money and time by having maintenance medications delivered to your home via Express Scripts Home Delivery or by filling a 90-day supply at a CVS retail pharmacy under the Express Scripts’ Smart90 program.
Find a Participating Pharmacy
To find a participating pharmacy, login to www.Express-Scripts.com, click Prescriptions, then use the Find a Pharmacy tool. You can also call Express Scripts directly at 800.711.3459. For Accredo Specialty, which is the name of Express Scripts specialty prescription drug mail order pharmacy, call 800.803.2523.
Important: If you have a long-term maintenance medication, home delivery through the Express Scripts Pharmacy or CVS Smart90 is required to avoid penalties.
Prescription Drug Coverage Reminders
Diabetic Supplies and Pumps
You have flexibility and convenience in obtaining all your diabetic supplies and pumps using your prescription drug coverage through Express Scripts. You can use your Express Scripts ID card (available online or via the Express Scripts mobile app) to obtain certain diabetic testing supplies and insulin delivery supplies, such as:
- Blood Glucose Monitors
- Continuous Glucose Meters
- Insulin Pumps and Insulin Pump Supplies
- Lancets
- Test Strips
Please note that One Touch and Freestyle diabetic supply products are preferred products on the Express Scripts drug formulary.
If you have any questions about the available diabetic supplies and products under your prescription drug coverage or need to locate a network provider, please contact Express Scripts at www.Express-Scripts.com or 800.711.3459.
This does not impact your existing medical coverage for diabetic supplies and pumps. Your Aptiv BCBS medical plan coverage continues to provide coverage for these items as Durable Medical Equipment (DME), other than insulin and needles, which continue to be covered under your Express Scripts prescription drug coverage.
Formulary – Express Scripts National Preferred Formulary and Drug Exclusions
Aptiv uses the Express Scripts National Preferred Formulary or drug list of covered medications. Express Scripts determines which drugs are classified as preferred brands versus non-preferred brands, which require different copays or coinsurance. Please note that Express Scripts excludes approximately 650 drugs from its National Preferred Formulary.
Infertility Drug Coverage
Medications to treat infertility are covered up to a lifetime limit of $10,000.
Long Term Medications – Use CVS Smart90 or Express Scripts Pharmacy
You can fill your prescriptions at your local retail pharmacy, but you will generally save money and time and avoid penalties by filling a 90-day supply for long term or maintenance medications where you prefer—either at a CVS retail pharmacy or Express Scripts Pharmacy (home delivery)—and no matter where you fill the prescription, the discounts and copays of the covered medications are the same.
Your prescription drug coverage through Express Scripts requires you to fill your long-term medications at CVS or through Express Scripts Pharmacy for a 90-day supply. You can get three 30-day courtesy fills at any retail pharmacy for certain long-term medications before you must make the switch. After courtesy fills are spent, if you do not fill at a preferred location (CVS or Express Scripts home delivery) or for 90-days, you will be required to pay the full cost of the medication, and the amount will not be applied to your Aptiv medical plan’s annual deductible or out-of-pocket maximum. Once you make the switch, you will pay one copay for a 90-day supply that is lower than the cost of three 30-day supply copays. Copays for a 90-day supply of maintenance drugs are the same at CVS Smart90 retail locations and the Express Scripts home delivery pharmacy, to allow you the freedom to choose the location you prefer.
You will pay the same flat copay at a CVS Smart90 retail location as you would at the Express Scripts Pharmacy (coinsurance may vary slightly at CVS vs. home delivery). Be sure to use the price check functionality on www.Express-Scripts.com before choosing a location.
Generic Preventive Drugs Covered before Your Deductible – HDHPs
Aptiv’s HDHPs, HDHP Standard Plan and HDHP Value Plan, provide coverage for certain generic preventive medications without having to meet the plan deductible – saving you money. The 2026 list is extensive, but includes generic medications for:
- Bone disease/fracture
- Colonoscopy prep
- Diabetic medications
- Heart disease, stroke, and blood pressure monitors
- Inhaled corticosteroids and peak flow meters
- Malaria prevention
- Migraine prevention
- Antivirals such as Truvada
- Smoking Cessation aids
- SSRIs
- Vaccinations
- Vitamins or minerals
- Asthma/COPD medications, Asthma/diabetic accessories
Mandatory Generic Program
For Aptiv’s BCBS medical plans, unless your doctor has indicated “Dispense as Written” or “DAW,” your prescription drug will automatically be filled with the generic equivalent. If you choose the brand-name drug, you’ll be responsible for the generic copayment or coinsurance, plus the full difference between the cost of the generic and brand-name drug.
SaveOnSP Specialty Coupon Program – PPO Plan
If you enroll in the Aptiv BCBS PPO plan, you may be able to save money on certain specialty medications. SaveOnSP works in conjunction with Express Scripts to offer a manufacturer copay assistance program for eligible specialty medications that have been classified as non-essential health benefits (NEHBs). An NEHB classification does not mean these drugs are not important to you, this is a classification under the Affordable Care Act.
You will receive a communication from Express Scripts if you are currently taking a medication eligible for the program. For reference, here is a list of applicable medications (subject to change) for which you may receive copay assistance benefits administered by Save On SP, LLC (SaveOnSP) for certain specialty prescription drugs on the Express Scripts formulary in 2026.
Dental
Aptiv’s Dental PPO Plan through Delta Dental covers certain expenses for services and supplies necessary for the treatment of many dental conditions. Call 800.524.0149 or visit Delta Dental’s Enrollment Resource Center to understand your benefits and access your account so you can keep you and your family’s smiles healthy.
Find a Dentist
Through their website, you can access Delta Dental’s dentist search tool. To find a dentist, choose your network from the list, and enter your address and/or ZIP code in the search form. Your plan uses the Delta Dental PPO and Delta Dental Premier networks. To find a dentist in these networks, select Delta Dental PPO Plus Premier as your plan option when searching. Your cost will be lowest if you select a provider in the Delta Dental PPO network.
2026 Dental Plan – Employee Contributions
Your cost for dental coverage depends on the plan you choose, and your level of coverage as shown below.
Delta Dental PPO Plan | ||
| Monthly | Semi-Monthly |
You Only | $13.00 | $6.50 |
You + Spouse | $28.00 | $14.00 |
You + Child(ren) | $24.00 | $12.00 |
You + Family | $42.00 | $21.00 |
2026 Dental Plan – Summary | |
| Delta Dental PPO Plan | |
| Annual Dollar Maximum: maximum benefit payable for all covered dental expenses during the calendar year | |
| Annual Maximum (Per Person) | $2,000 |
| Coinsurance: percentage of the cost Delta Dental will pay for covered services | |
| Preventive Care (exams, cleanings) | 100% |
| Basic Care (X-rays, extractions, fillings & root canals) | 80% |
| Major Care (bridges, dentures) | 50% |
| Orthodontia (under age 19 only) | 50%, up to lifetime maximum of $2,000 |
Vision
Aptiv offers a Voluntary Vision Plan through EyeMed. This plan helps cover the cost of an annual routine eye exam, lenses, and frames through a national network of participating providers in the Insight Network. To find a participating provider and access other plan details, go to www.eyemed.com or call customer care at 866.800.5457.
During Annual Enrollment, there is a dedicated line for all enrollment questions: 866.804.0982. You can also check out the Virtual Benefit Fair Site to learn more about your vision coverage (password: TE69P7M8).
Find an Eye Doctor
Use EyeMed’s provider locator tool to find an Insight Network vision provider near you – you have access to independent and retail providers, and EyeMed Plus Providers which can save you more money. While Costco and Sam’s Club are not in-network, you have in-network coverage at America’s Best and Lenscrafters, which typically have locations within a few miles of a Costco or Sam’s Club. You can choose to use the out-of-network reimbursement at a Costco or Sam’s Club, but you will have to file the out-of-network claim yourself.
2026 Vision Plan – Employee Contributions
EyeMed Vision Voluntary Plan1 | ||
| Monthly | Semi-Monthly |
You Only | $9.61 | $4.81 |
You + Spouse | $18.27 | $9.14 |
You + Child(ren) | $19.23 | $9.62 |
You + Family | $28.26 | $14.13 |
2026 Vision Plan – Summary | |||
EyeMed Vision Care Service | Frequency | In-Network | Out-of-Network |
| Exam | Once every plan year | $0 copay | Up to $40 |
| Frame | Once every plan year | $0 copay; 20% off balance over $200 allowance (for PLUS Providers) $0 copay; 20% off balance over $150 allowance (for non-PLUS Providers) | Up to $105 |
Contact Lenses Conventional
| Once every plan year (in lieu of lenses) |
$0 copay; 15% off balance over $150 allowance $0 copay; 100% off balance over $150 allowance $0 copay; paid-in-full |
Up to $105
Up to $105
Up to $210 |
Standard Plastic Lenses Single Vision | Once every plan year (in lieu of contacts) |
$0 copay |
Up to $40 |
Lens Anti Reflective Coating – Standard Photochromic – Non-Glass | Once every plan year (in lieu of contacts) |
$0 copay $12, $23, $85 copays respectively $0 copay $65 copay |
Up to $23
Up to $20 Up to $38 |
Download the 2026 Summary of Voluntary Vision Benefits PDF.
Reminder: The Aptiv BCBS medical plans include an annual routine eye exam covered in full when received from a VSP network provider. For more details or to locate VSP providers, call 800.877.7195 or visit vsp.com and select the VSP Signature Network. If you use a non-VSP provider, the routine eye exam is reimbursed up to $50. Discounts are available for materials through VSP when using VSP providers (20% discount on frames and lenses).
If you or your family members require vision correction (eyeglasses or contacts) or follow-up care, it is generally best to have your exam through the Voluntary Vision Plan with an EyeMed Insight Network provider so the exam and materials are submitted on the same claim.
1 You pay the full premium/cost for the Voluntary Vision Plan.
EyeMed Member Savings
EyeMed is committed to keeping money in your pockets. That’s why they offer additional discounts on top of your plan benefits.
Glasses Discounts
- Receive 40% off additional pairs of glasses and a 15% discount on conventional lenses after you’ve used your benefit.
- Use an extra 20% off for any item not covered by the plan, including non-prescription sunglasses.
Lasik Discounts
- Find a 15% off retail or 5% off promotional price for Lasik from US Laser Network.
Hearing Care Discounts
- Get 40% off hearing exams and a low-price guarantee on discounted hearing aids through Amplifon Hearing Health Care Network.
Contacts |
| Medical Blue Cross Blue Shield (BCBS) 800.854.5901 www.bcbsm.com |
| Virtual Care Visits Teladoc Health Medical & Mental Health visits 855.838.6628 (Aptiv BCBS Medical Plans) bcbsm.com/virtualcare |
| Virtual Condition Teladoc Health Management – Diabetes 855.838.6628 Prevention, Weight Management TeladocHealth.com and Hypertension Mobile App: Teladoc Health (Aptiv BCBS Medical Plans) |
| Virtual Muscle & Joint Hinge Health Health (Aptiv BCBS Medical Plans) 855-902-2777 bcbsm.com/muscle-joint Mobile App: Hinge Health |
| Prescription Drugs Express Scripts (Aptiv BCBS Medical Plans) 800.711.3459 www.express-scripts.com Accredo Specialty 800.903.8224 |
| Dental Delta Dental 800.524.0149 www.DeltaDentalMI.com |
| Vision EyeMed 866.800.5457 (Customer Care for members) 866.804.0982 (During Annual Enrollment) www.eyemed.com |
Download our 2026 Contacts PDF here.