American Eagle Outfitters Health Insurance Benefits for Employees

As one of the nation’s leading apparel retailers, American Eagle Outfitters (AEO) offers a comprehensive employee benefits package including health insurance plans to support associates’ physical and financial wellbeing. This article provides an overview of the medical, dental and vision insurance coverages, wellness programs and additional health-related benefits available to eligible employees of American Eagle and Aerie.

Medical Insurance Plans from American Eagle Outfitters

American Eagle Outfitters provides all regular full-time and part-time associates several medical plan options administered by UnitedHealthcare. Key features of AEO’s health insurance plans include:

• Multiple plan choices – Employees can select between a few PPO and HSA-qualified high deductible health plan options that best fit their coverage needs and budget.

• Nationwide coverage – All plans utilize UnitedHealthcare’s expansive provider networks with over 1.2 million doctors and care facilities across the U.S.

• Prescription drug coverage – Generic and brand name medication coverage is included, with copays starting as low as $5 at retail pharmacies.

• Preventive care 100% covered – All in-network preventive services like annual checkups, cancer screenings, immunizations and lab tests are covered at no cost to employees.

• Virtual doctor visits – Telehealth services through Teladoc provide 24/7 access to doctors by phone or video chat for treatment of minor illnesses and injuries.

• Health savings account eligibility – Employees who elect an HSA-qualified high deductible health plan can open and fund a health savings account to pay for medical expenses tax-free.

• Health reimbursement arrangement – Associates who aren’t eligible for an HSA can have a company-funded HRA to assist with deductibles and other out-of-pocket costs.

AEO provides three medical plan options – a PPO plan, a PPO Plus plan that includes enhanced wellness benefits, and a high deductible health plan. Monthly premium contributions are very reasonable for both full-time and part-time associates and coverage can extend to spouses/partners and dependents.

Prescription Drug Benefits

All American Eagle Outfitters medical insurance plans include prescription medication coverage with affordable copays for generic and brand name drugs. Prescriptions can be filled at any in-network retail pharmacy nationwide or through mail order.

AEO also offers a prescription savings program that allows employees to pay discounted rates on medications not covered under their health plan. This provides an affordable option to fill prescriptions out-of-network or purchase additional quantities in-network at lower costs.

Associates have access to prescription management resources through UnitedHealthcare that help locate lower cost options. This includes support switching to generics, reviewing safer alternative therapies and accessing coupons and manufacturer discounts.

Dental and Vision Insurance Plans

In addition to medical coverage, American Eagle Outfitters provides voluntary dental and vision insurance to regular full-time and part-time staff at affordable group rates. Key features include:

Dental Insurance

• Provided by MetLife
• Low deductibles and copays for services
• Covers exams, cleanings, fillings, crowns and more
• Option for standard or enriched “plus” plans
• Orthodontia coverage for children under age 19

Vision Insurance

• Administered by VSP Vision Care
• $10 copay for routine eye exams
• $25 copay for prescription lenses
• $130 allowance for frames or contacts
• Savings on laser vision correction surgery

Bundling dental and vision together or with other benefits can reduce monthly premiums due to American Eagle Outfitters’ discounted group rates.

Wellness Programs and Health Services

AEO offers numerous wellness initiatives and health-related services including:

• Biometric screenings – Annual lab testing events provide free blood pressure, cholesterol and diabetes checks.

• Flu shot clinics – Free annual onsite flu vaccinations help associates stay healthy.

• Wellness challenges – Voluntary participation challenges with prizes promote fitness and nutrition.

• Health coaching – Free personalized support is available to help employees reach health goals.

• Tobacco cessation – Programs assist employees and covered dependents in quitting smoking.

• Onsite gyms – State-of-the-art fitness centers are available at some locations.

• Care counseling – Expert support is provided for navigating healthcare billing and services.

• Price transparency tools – Employees can lookup fair medical care pricing in their location to save money.

By providing access to gyms and fitness classes, health coaching, preventive care incentives, chronic disease management and personalized wellness tools, American Eagle Outfitters empowers employees to achieve their best health.

Additional Health Benefits from AEO

Along with comprehensive medical, dental and vision coverage, American Eagle also provides access to the following additional health-related benefits:

Mental health support

• Employee assistance program for emotional wellbeing
• Counseling through medical coverage
• Maven digital mental health platform

Caregiving benefits

• Paid parental leave for new parents
• Adoption and surrogacy assistance
• On-demand child and elder backup care

Fertility and family planning

• Enhanced fertility management benefits
• Egg freezing financial assistance
• Adoption grants up to $10,000

Preventive screenings

• No-cost mammograms and cancer screenings
• HPV vaccinations for children
• Free annual skin cancer screenings

Health savings

• Pre-tax HSA and FSA accounts
• Discounts on gym memberships

Providing access to mental health care, fertility treatments, preventive services, caregiving support and ways to save on healthcare costs demonstrates American Eagle’s commitment to employees’ whole health and family care needs.

Is American Eagle’s Health Insurance Good?

The vast majority of American Eagle employees report satisfaction with the company’s health benefits in reviews. AEO provides a well-rounded set of medical, dental, vision and supplemental health insurance coverages at reasonable rates for both full-time and part-time associates.

Positive highlights noted by employees include:

• Competitive premiums with modest bi-weekly payroll deductions
• Range of UnitedHealthcare plan options to fit coverage needs and budget
• Prescription drug coverage with affordable copays
• Dental and vision plans with low deductibles and out-of-pocket costs
• On-site gyms and fitness program discounts
• Parental leave, fertility benefits and caregiving assistance

Given the variety of available medical plans, inclusion of dental and vision benefits, access to wellness program discounts and additional health coverage perks, American Eagle Outfitters’ health benefits package provides nice coverage options for retail associates. The plans can give employees peace of mind that they can access affordable healthcare.