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Voluntary Products

Optional benefits for extra needs

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Be prepared for the unexpected

Voluntary insurance products give members the power to choose the benefits they need and want, without adding costs to an employer’s bottom line. Aetna offers a portfolio of options, such as:

  • Fixed benefits
  • Hospital Indemnity
  • Critical illness
  • Accident
  • Dental and vision
  • Life and disability insurance
  • Aetna ValuePassSM prepaid dental discount card
  • Vital Savings by Aetna®


Learn more about voluntary benefits

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Aetna Fixed BenefitsSM Plan

This insurance plan pays a fixed cash benefit for a wide range of medical services — such as office visits, emergency room visits and prescription drugs — directly to the member. While this is not traditional comprehensive medical coverage, it can be a great choice for employees — particularly if they have other medical coverage with a high deductible.

Read more about fixed benefits

Voluntary group plans available through employers

Hospital

Pays a cash benefit when members receive covered services after having been admitted to the hospital.

Learn more about voluntary hospital plans

Dental & vision

This insurance coverage helps members pay for checkups, cleanings and common procedures.

Learn more about voluntary dental & vision plans

Life & disability

This insurance coverage provides cash benefits that may help if employees are hurt or worse.

Learn more about voluntary life & disability plans

These plans do not offer comprehensive benefits. They provide limited coverage. Benefits are supplemental and are not intended to substitute for other health insurance coverage.

The Aetna Fixed Benefits Plan, Hospital Plan, Dental, Vision, Short Term Disability and Term Life insurance plans are underwritten by Aetna Life Insurance Company (Aetna).

The Group Critical Illness and Group Accident Plans are underwritten by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation.

This material is for information only and is not an offer or invitation to contract. An application must be completed to obtain coverage. Rates and benefits vary by location. Health, dental, life, disability and vision insurance plans contain exclusions and limitations. Not all benefits are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and are subject to change. Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services. Information is believed to be accurate as of the production date; however, it is subject to change.

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