* Aetna Advantage Plans for Individuals, Families and the Self-Employed are underwritten by Aetna Life Insurance Company (Aetna) directly and/or through an out-of-state blanket trust and Aetna Health Inc. In some states, individuals may qualify as a business group of one and may be eligible for guaranteed issue, small group health plans. These plans are medically underwritten and you may be declined coverage in accordance with your health condition.

This plan has a calendar year maximum that limits the total amount the plan pays for your medical and pharmacy benefits in a calendar year (January 1 through December 31). Once the annual maximum is reached with this plan, the member is responsible for paying all additional health care costs for the remainder of the year. However, the maximum resets annually. As with other Aetna plans, members are responsible for billed charges upon reaching any plan limits, at which point they may or may not receive Aetna’s negotiated rates. They will need to discuss the amount for which they are responsible for with their provider.

**For covered expenses.

This material is for information and is not an offer or invitation to contract. Plans may be subject to medical underwriting or other restrictions. Rates and benefits vary by location. Aetna receives rebates from drug manufacturers that may be taken into account in determining Aetna’s Preferred Drug List. Rebates do not reduce the amount a member pays the pharmacy for covered prescriptions. Aetna does not provide care or guarantee access to health services. Health care providers are independent contractors and are not agents of Aetna. Health care provider participation may change without notice. Material is subject to change.