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Notification of changes, eligibility and network FAQs for employers

Notification of changes

  • Yes, we accept emailed enrollment files. To protect member privacy, the files need to be encrypted. You can also submit enrollment files by paper enrollment form or fax. For small group business, you can submit enrollment files by paper or fax to the plan sponsor services unit responsible for underwriting. If you fax any enrollment documents, make sure to follow up with a hard copy.

  • The plan administrator or producer of record can notify plan sponsor services or their account manager for a change of address or other administrative changes.

  • Our local sales offices provide contact lists for administrative procedures. To request a policy revision to the waiting period (also known as “elimination period” or “probationary period”), make sure to submit it to the assigned account manager.

  • We require the same maximum waiting period (also known as “elimination period” or “probation period”) within a class of employees. We may match the current carrier’s waiting period. Our standard maximum waiting period is six months.

Eligibility

  • The local Aetna® underwriting team determines the average turnaround time for a small group (2 to 50 lives — or where required by state law — one life). State and federal regulations determine how to apply underwriting to the group or the individual.

    For our middle market and national account customers, underwriting applies on a group basis. We work with each of our customers or their consultants to determine when they need their renewal pricing completed.

     

    A renewal generally takes between one and three weeks to complete.

Provider network

  • Our accessibility standards align with federal- and state-specific requirements for validating network adequacy. Where gaps are identified, we’ll work with the customer to create a potential solution for member coverage. Our online directory shows a comprehensive listing of the providers in our networks.

     
    We may add providers to our networks upon request, contingent on meeting our established participation and credentialing standards. However, when we review our networks for adequacy, we follow a distinct set of guidelines to determine the configuration of each network. Based on population size, we focus on the service area and types of services of each target hospital and its affiliated providers to see that acceptable levels of care are readily available for managed care members.

     

    We’ve developed these guidelines so our networks can give members reasonable access to essential, important medical services.

     

    How we create our networks

    We create each of our networks on a local basis, because each area is unique. Access to network providers (for example, travel distance and time) must be reasonable for members based on local conditions. Geographic factors that may have an impact on accessibility include:

     

    • Natural geographic boundaries, such as rivers and mountains
    • Man-made boundaries, such as bridges and railway tracks
    • Road types, ranging from interstate highways to rural roads
    • Local travel conditions, such as periodic traffic congestion

    Our local network reps review the appropriateness of the service area on a ZIP-code-by ZIP-code basis. They consider the actual geographic distribution of each broad category of services — such as primary care, pediatrics, ob/gyn, specialist and facility — when establishing the ZIP code service area.