Network Only Plans

Our network only plans are as straightforward as they come. You can choose from health insurance and health benefits plans that:

• Coordinate care using a primary care physician (PCP) and referrals, or
• Provide access to any network health care professional or facility without referrals. 
  

	HMO	Aetna Open Access® HMO**	Aetna Select SM	Open Access Aetna Select	Elect Choice®	Aetna Open Access Elect Choice	Health Network Only
PCP Required
Referrals
Wellness Programs			Optional	Optional	Optional	Optional
Aexcel Specialists*
Full Risk†					***	***
Self-funded†

*The Aexcel network is only available in select locations. Aexcel is not available with HMO plans
**Aetna Open Access HMO is not available in CA
***Available as full risk in CA and NY.
†HMO and QPOS can only be provided on a full-risk basis in California.
Please note: Members are encouraged to select a PCP, even when selection is not required.

• You get plan designs that are flexible and easy to customize.
• You can pair some plans with a fund or savings account. Visit our Health Funds page to learn more.
• Members get discounts on eyewear, gym memberships, and other health products and services at no additional cost to you. (Discounts are not insurance. Learn more about discounts program provisions.)