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Making open enrollment easier

Need help choosing the right health plan? Let’s explore how insurance works and tips to help you save. The more you know about health care, the more prepared you’ll be.

5 ways to save on your care

An Aetna® plan is easy to use. It can help you save, too.

Quality care matters. Saving does, too. With Aetna plans, you get the best of both worlds. Here are some simple things you can do to make the most of your plan when you need care.

Choose network providers

Network doctors, specialists and hospitals charge lower rates. That means your costs are lower, too.

Go for preventive care

Yearly checkups and screenings help catch problems early. And there’s no cost when you stay in network.

Pay less for prescriptions

Ask your doctor about generic drugs. They cost less than brand name. And they can be just as effective. You can also use your plan’s home delivery service for regular prescriptions.

Compare your costs

Use your plan’s cost of care tools. They help you know what you pay for office visits, tests and procedures before you go.

Use the ER for emergencies

Some medical issues aren't life-threatening. You can save time and money by visiting an urgent care center or walk-in clinic.

Helpful guidance to understand plan costs


We’re bringing together the tools and information you need to understand how your plan works. With simple navigation to help you make the most of everything your plan offers.

How you and your health plan share costs

How you and your health plan share costs

Your health plan covers many medical expenses. You pay a portion of the cost. Here’s how it works:


You pay a deductible

A deductible is an amount you pay before you plan begins to pay for covered expenses. Each year, you pay 100% of your covered expenses until you meet your deductible.


You and your plan share the costs

Once you meet your deductible, you share the cost with your plan through:


  • Coinsurance. This is a fixed percentage of the charges for covered services, like 20% of $100.
  • Copays. These are flat dollar amounts, like $25 for an office visit.


Your plan pays after an out-of-pocket maximum

There’s a cap or limit on the amount you pay for covered expenses each year. Once you reach that amount, your plan pays 100% of covered expenses for the rest of the year.



Paying for network care: How it works

Paying for network care: How it works

Why get care in network? You enjoy many benefits, like predictable costs and a simple experience.


Here's how it works:


  1. Visit your doctor and show your ID card.
  2. Pay nothing at your visit, unless you have a copay.
  3. Your doctor files your claims for you.
  4. Your plan pays your doctor based on the negotiated rate.
  5. Your doctor bills you for any amount you owe.


When you go out of network, you may need to pay the full amount of your visit. You may also need to file your own claims.

Need more help?

Check out our enrollment tips and other resources to help you prepare.


Get enrollment tips

Legal notices

Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna). Health insurance plans are offered and/or underwritten by Aetna Life Insurance Company (Aetna).

Health benefits and health insurance plans contain exclusions and limitations.

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