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Group supplemental health insurance plans

Whether you want to cut costs, offer a better benefits package or boost enrollment in high-deductible health plans, our supplemental cash benefits are the solution.

A package of supplemental protection

At Aetna, we believe in supporting our members’ whole heath — physical, emotional, and even financial.

 

Like offering a little help for expenses related to high-deductible health plans. A win for employees, who get some extra coverage, and a win for employers, who save on overall health plan costs.

 

Because sometimes the unexpected happens.

 

And higher out-of-pocket costs creep into everyday savings.

 

Leaving people with bills they can’t always afford.

 

That’s why we provide supplemental coverage as a financial safety net for our members.

 

They’ll receive cash benefits for covered services related to a hospital visit, accident, or illness.

 

And that flexibility makes a big difference.

 

So when employees experience the unexpected, they have peace of mind knowing we’ve got them covered. Plus they can use the cash for whatever they need, like their deductible, or even for everyday expenses like rent, child care, and groceries.

 

That way they can rest assured instead of worrying about their bills.

A package of supplemental protection

Our supplemental health insurance gives employees the benefits they need and want, without adding to your bottom line. They get direct cash benefits to help cover out of pocket expenses that medical doesn’t cover, like deductibles, copays, mortgage payments, day care, utilities and more.

 

Aetna Accident Plans

Cash benefits for the costs of services or conditions related to a covered injury.

 

Aetna Critical Illness Plans

Lump sum cash benefits for costs associated with a diagnosed major illness, such as a heart attack or stroke.

 

Aetna Hospital Indemnity Plans

Fixed cash payments to help manage expenses for a covered, expected or unexpected hospital stay.

Our benefits work better together

Our benefits work better together

Our supplemental and medical plans are available standalone. But when you pair them together, you get stronger savings. A streamlined, paperless claims process, too.

[ Birds chirping ]

 

Life is extraordinary.

 

But when the unexpected happens, it's important to be prepared.

 

That's why, for over 30 years, we've offered supplemental health benefits, like accident, critical illness, and hospital coverage, so your employees don't have to worry about those unexpected moments.

 

Our plans are designed from the ground up, so they're customizable to meet employers' needs and include features that make it easy for employees to get coverage.

 

And, since we're a medical carrier, we're able to offer a unique, streamlined member experience.

 

It's our simplified claims experience, and it's powered by Aetna Easy File and Aetna claims finder.

 

Members simply log in, answer a few questions, tap "submit," done in 90 seconds or less.

 

If we have the member's medical data, we'll match it to their supplemental health claim.

 

And we'll check for other benefits the member might be eligible for and automatically process any claims for them.

 

No paperwork. No hassles. That's it.

 

And we also remind members throughout the year to use their benefits so they can better manage their costs and protect their savings.

 

It's all part of our commitment to whole health -- physical, emotional, social, and financial -- and helping our millions of members live happier, healthier lives.

Options for whole health

Options for whole health

Add whole health to your benefits plan with our range of dental, vision and other voluntary 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 and services you need to help your business stay strong and healthy.

Member services

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

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Easy administration

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

Find administration tools

 

Aetna Supplemental Solutions

Cash benefits for expenses that medical doesn’t cover.

 

Legal notices

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

Health insurance plans contain exclusions and limitations.