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Health insurance exchanges FAQs for health care professionals

Caring for exchange members

  • QHP means that the plan meets certain requirements under the Affordable Care Act. It also means the plan is certified by the Centers for Medicare and Medicaid Services (CMS). QHPs have networks that are unique to these plans. Often these networks have a smaller number of participating providers, compared to our traditional networks.

  • Yes, the processes are the same.

  • Yes, the payer ID and claim address are the same.

  • You will verify benefits or eligibility in the same way regardless of where the member bought the plan.

  • QHP plans typically offer unique networks. The networks are often smaller than those for other plans. Make sure the provider you are recommending is in your patient’s plan network. Use our provider search online referral directory to find providers in the exchange network. Remember, members pay more for out-of-network services. Some members have no out-of-network coverage except for emergencies.

Reimbursement for health care professionals

  • We'll process the claim according to the plan benefits. If the member has assigned benefits, Aetna will pay you directly. Note: Some plans don't have out-of-network benefits, except for coverage of emergency services.

This information is not meant as legal or tax advice. If you have questions, talk with your legal or tax advisor.

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