Skip to main content

Indemnity health insurance plans

Our Traditional Choice® indemnity plan takes the restrictions out of staying in network — because there is no network. Just totally convenient care without referrals. 

An indemnity plan with extra


Because Traditional Choice has no networks, it’s ideal for employers in large, rural areas — or just about anyone who loathes restrictions. Coinsurance is the same, regardless of provider.

Plan highlights:

  • No networks, referrals or copays
  • Balance billing for claims over allowed amount
  • Savings for using select network providers
  • Great for fully-insured and self-funded customers

More plans to fit you

More plans to fit you

Ready to explore? From plans with no networks to tiered networks to others full of value, choice and protection, we’ve got you and your benefits needs covered.

Options for whole health

Options for whole health

Add whole health to your benefits plan with our range of dental, vision and other ancillary benefits. They’re available standalone or with any medical plan.

Count on us for the right combination

There’s no place like Aetna to find the plans, programs, services and administration you need to help your business run strong, smooth and healthy.

Member Services

Keep members healthy and engaged with programs and services that keep whole health in mind.

Easy Administration

Explore quoting, enrollment and reporting tools to ease administration for plan sponsors and brokers.


Say “yes” to no networks

Get complete freedom with Traditional Choice.


Legal notices

Health insurance plans are offered and/or underwritten by Aetna Life Insurance Company (Aetna).

Health benefits and health insurance plans contain exclusions and limitations.

Also of interest: