Frequently Asked Questions

What are voluntary plans?
Voluntary plans are 100% paid by the employee. Employees can choose which voluntary plans are best for their own situation. Some voluntary plans pay cash benefits directly to employees to cover living expenses, lost wages, copayments and deductibles. Other benefits include disability insurance, life insurance, vision insurance, dental insurance, and other plans and services.

What are the benefits to employers?
With Aetna Voluntary Plans, employers can provide a more robust workplace benefits package to employees without affecting their bottom line. Employees pay 100% for Voluntary Plans but realize a group savings rate through their employer.

Aetna Voluntary Plan services include valuable support for employers, such as worksite marketing and consulting services, as well as advanced technology tools.

All this comes from Aetna, a single carrier solution with over 150 years of experience.

What are the benefits to employees?
With Aetna Voluntary Plans, individuals can provide added protection for themselves and their families -- protection that includes life, disability, dental, vision...and even pet insurance. Discounts are available, too, with our pharmacy and dental discount programs. Employees have the flexibility, and convenience, to choose the Voluntary Plans that best meet their own personal needs.

What are the benefits to producers?
Producers can provide their clients with a more robust workplace benefits package. Aetna’s technology and enrollment services can free clients from the administrative headache and expense of managing multiple-carrier relationships. From one carrier — Aetna, a solid brand with over 150 years of experience — employers can offer plans with the quality and service you expect.

What types of voluntary plans does Aetna offer?
A wide range of coverage, including:

Voluntary fixed benefits plans pay a fixed cash benefit for covered medical services directly to the member, such as office visits, ER visits, inpatient and outpatient surgical and non-surgical services, ER, and prescription drugs. Learn more.

Hospital insurance plans provide basic coverage to help you manage medical or daily living costs associated with an unexpected hospitalization. Learn more.

Critical illness* coverage pays lump-sum benefits directly to the insured at the time a covered illness is diagnosed. Learn more.

Accident* coverage pays lump-sum benefits for on- and off-the-job accidents, in addition to existing medical coverage. Learn more.

Dental and Vision insurance plans help you pay for certain family dental and eye care expenses. Learn more.

Life and Disability insurance plans that help protect your income, and your family's financial future. Learn more.

Other programs include the Vital Savings® by Aetna discount program - for savings at the dentist or pharmacy. Learn more.

*The Critical Illness and Accident Plans are provided by supplemental, limited benefit insurance, administered by Allstate Benefits. Allstate Benefits is the marketing name used by American Heritage Life Insurance Company, Home Office, Jacksonville, Florida, the underwriting company and a subsidiary of The Allstate Corporation. These plans will be available to members in employer group plans in Q3 2011.

The Vital Savings by Aetna® programThe Vital Savings by Aetna® program (the “Program”) is not insurance. This program does not meet the Minimum Creditable Coverage requirements in Massachusetts.  The Program provides members with access to discounted fees pursuant to schedules negotiated by Aetna Life Insurance Company for the Vital Savings by Aetna discount program. The range of discounts provided under The Program will vary depending on the type of provider and type of service received.  The Program does not make payments directly to the providers participating in the Program. Each member is obligated to pay for all services or products but will receive a discount from the providers who have contracted with the Discount Medical Plan Organization to participate in the Program. Aetna may receive a percentage of the fee you pay to the discount vendor.  Aetna Life Insurance Company, 151 Farmington Avenue, Hartford, CT 06156, 1-877-698-4825, is the Discount Medical Plan Organization.  www.vitalsavings.com