Health Plans Through Work

Coverage you can count on

With Aetna, you get more than medical insurance. You get personalized care and a wealth of free or low-cost tools and products that empower you to manage and improve your health. Our medical benefits and insurance plans and services help you: 

  • Get more for your money
  • Understand and take charge of your health
  • Plan for the future and adjust your coverage as your needs change

It’s good to have options

We work with employers to help them provide products and services that are customized to fit the needs of their employees. Our plan types include:

Network-only medical benefits and insurance plans

Staying in network saves you money. With some plans you will choose a primary care physician (PCP) who provides referrals to other doctors in your network. Other plans allow access to any in-network health care professional, with no referrals required.

Network option medical benefits and insurance plans

These plans allow you the flexibility to see licensed doctors both in and out of network, with or without seeing a PCP first.

Indemnity medical insurance plans

With no network and no referrals, you have the freedom to see whichever doctors you choose.

Medicare and retiree plans

We can help you make the most of your retirement. Whether you are approaching age 65 or are already eligible for Medicare, Aetna offers several solutions to help you prepare for the next stage of your life.

Health funds

These plans generally have lower premiums. They pair a higher deductible with a health savings account (HSA)*. An HSA lets you put aside money for medical costs and save money on your taxes in the process.

We know that health is more than just doctor visits and copays

Along with coverage for you and your family, we offer:

  • CarePass®, a new digital wellness program that helps you set and achieve goals using some of the best mobile apps available and develop a more complete view of your overall health
  • iTriage, a free mobile app and website that helps you answer the two most common medical questions: “What could be wrong” and “Where can I go?”
  • Disease management programs that provide one-on-one support and can help you learn better ways of dealing with ongoing health conditions
  • Online resources for researching conditions, estimating the cost of care based on your zip code, and seeing how much care costs can vary by provider
  • Discounts on products and services, including eyewear, gym memberships, acupuncture, chiropractic care and weight-loss programs**

Next Step

Talk to your company’s benefits administrator to find out which Aetna plans are available — and make the most sense — to you.


Health benefits and health insurance plans contain exclusions and limitations.

*HSAs are currently not available to HMO members in California and Illinois.

**Discount programs are not available in California on a pre-enrollment basis.

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