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Network Option Plans
Network Only Plans | Network Option Plans | Indemnity Plan | Retiree Plans | Health Funds | Performance Networks | Institutes of Excellence

Give employees the benefits of managed care and the freedom to go directly to health care professionals and facilities in or out of network - with or without referrals.

For health benefits and health insurance plans that require PCP selection, employees can choose to:
  • self-refer and go directly to doctors and specialists, or
  • coordinate care through their PCP who can refer them to specialists and other care.
Point-of-Service plans PCP Required* Referrals Wellness Programs Aexcel Specialists** Full Risk Self-Funded
QPOS® (Quality Point-of-Service®) plan  
Aetna Choice® POS      
Aetna Choice POS II***     Optional  
Managed Choice® plan*** Optional
Aetna Open Access® Managed Choice plan***     Optional
Health Network Option plan        
PPO-based plan PCP Required* Referrals Wellness Programs Aexcel Specialists** Full Risk Self-Funded
Open Choice® (PPO) plan     Optional


* In New York, PCP selection is required for fully-insured Aetna Choice POS, QPOS and Managed Choice plans.
** Aexcel network available only in select locations.
***In Texas, this plan is not regulated by your state.

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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