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Give employees the benefits of managed care within the Aetna network, and take advantage of the fees negotiated on behalf of our members.

Decide between health insurance and health benefits plans that:
  • coordinate care using a primary care physician (PCP) and referrals, or
  • offer the flexibility to go directly to participating health care professionals, specialists and facilities without referrals.

HMO-based plans PCP Required* Referrals Wellness Programs Aexcel Specialists** Full Risk Self-Funded
HMO***  
Aetna Open Access® HMO      
Hybrid HMO-type plans PCP Required* Referrals Wellness Programs Aexcel Specialists** Full Risk Self-Funded
Aetna SelectSM†    
Open Access Aetna Select        
EPO-based plans PCP Required* Referrals Wellness Programs Aexcel Specialists** Full Risk Self-Funded
Elect Choice® (EPO) Optional  
Aetna Open Access Elect Choice (EPO)     Optional ††


* In New York, PCP selection is required for all HMO and EPO plans.
** Aexcel network available only in select locations.
*** In Washington, this is called the Primary ChoiceSM plan and is offered by Aetna Health Inc., a licensed health care service contractor.
**** The following are examples of programs that may be available with a health benefit or insurance plan that you may be considering. Depending on the type of health benefit or insurance plan, these programs may be available as value added or discount programs, or may be added to a plan for an additional cost. (Discount programs are not insurance.) Please review the specific plan description that you may be considering in order to determine whether any of the programs described below apply, and for more details.
† In Texas, this product is not regulated by your state.
†† Available as full risk in NY.
Please note: Members are encouraged to select a PCP, even when selection is not required.

Additional Features:
  • Flexible plan designs available
  • Some plans may be paired with a fund or savings account - visit our Health Funds page to learn more.
  • Discounts on products and services from eye glasses to acupuncture. (Discounts are not insurance. Learn more.)
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