$0 checkups
$0 checkups can make it easier to stay on top of your health without added costs — so everyday care feels easier to keep up with.
Get to know Aetna® health insurance through work
From $0 checkups to a network of more than 2.2 million providers and over 61,000 pharmacies, you can feel confident that you have the right care and coverage. That’s life with Aetna.
Coverage that’s easy to count on
We’re here to help make your health care easier to understand, easier to find and easier to afford.
Large network
Our network is one of the largest in the nation, with around two-thirds of doctors and three-quarters of hospitals already in it.
Provider recommendations
With tools that help you compare your options, we can help connect you to providers who have been recognized for quality, cost-effective care.
Dental coverage
Employer-offered dental coverage gives you more ways to protect your smile, with your choice of dentists, helpful discounts and support for your care.
Prescription coverage
Prescription benefits cover thousands of medications, helping you save more on the ones you rely on, month after month.
Extra member perks
Whether it’s wellness discounts, walk-in clinics or digital tools, our plans offer extra health care benefits to help you feel your best.
Guidance that points you in the right direction
We take the guesswork out of health care, with guidance that helps you spend less time figuring out your options and more time feeling like you’ve got this.
Learn about common health plan costs and terms
Find out how health insurance works, what certain plan costs mean and ways you can save on care.
Understand how high-deductible health plans work
A high-deductible health plan (HDHP) usually comes with lower monthly premiums and higher up-front costs. Learn how they work and if they may be right for you.
Get ready to choose a plan
These enrollment tips and resources can help you compare your options, look at costs, check your doctors and review plan extras before you enroll.
What our members have to say
"Sometimes health care can feel overwhelming. Aetna made the process surprisingly easier. I was able to find clear in-network options, and their support team put things in plain language, which really gave me confidence."
Common health insurance questions, answered
Health insurance plans and costs
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Visit your employer’s benefits site to compare plans. Start with your doctors, prescriptions and expected care. Then look at total costs, not just the monthly premiums, so you get a clearer picture of what you need for the year.
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Your premium is what you pay each paycheck. Your deductible is what you pay before your plan starts helping with certain costs. Your out-of-pocket maximum is the most you’d pay in a year for covered care.
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The right fit depends on your health care needs. Each plan type balances cost and flexibility differently. Some offer lower costs with more restrictions, while others give you more freedom to choose providers.
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If you expect lower medical usage and want to save on monthly premiums, a high-deductible plan paired with an HSA can be a good option. It also lets you set aside pretax money for future health expenses.
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Take a moment to confirm your doctors, review your prescriptions and compare total costs across the plans you’re considering. A little extra clarity up front can help you avoid surprises later and feel confident about your plan.
Doctors, prescriptions and coverage
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You can use your employer’s benefits site to check whether your doctor is in our network. That helps you keep seeing the care team you know and can make a difference in what you pay.
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Your plan details — like covered services and costs — are available in your member website or plan documents. Reviewing these details can help you avoid unexpected expenses.
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Check whether your medications are covered and what they may cost under each plan. Prescription coverage can vary, and it’s often one of the clearest ways to understand how a plan may fit within your budget.
Copays and medical bills
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A copay is a fixed amount you pay for a service, while coinsurance is a percentage of the cost. Both are ways you share costs with your plan.
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Start with your Explanation of Benefits (EOB) to see how your claim was processed. If something still doesn’t make sense, you can contact us, and we’ll walk you through it so you understand what you’re being charged for.
Using your Aetna health insurance
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Your coverage typically begins at the start of your new plan year. A new plan year begins January 1, unless your employer has shared a different effective date.
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Once your coverage begins, you can use your plan for doctor visits, prescriptions and other care. You’ll just need your member ID, which is often available digitally before your physical card arrives.
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You can often access a digital member ID card through your plan website or the Aetna Health℠ app before your physical card arrives. If you’re having trouble finding what you need, contact our support team to help you get started.
Aetna benefits, tools and member support
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Beyond core coverage, Aetna plans can come with extra benefits that support everyday health — like wellness discounts, virtual care options and digital tools. For a closer look at what may be included, explore exclusive benefits.
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Most plans offer tools to help you stay on top of your care, like finding doctors, checking costs, tracking claims and managing prescriptions — all in one place.
Take the next step
Ready to choose a plan?
When it’s time to enroll, visit your employer’s benefits site to review your options. If you’re considering an Aetna plan, you’ll be able to choose it there.
Already have an Aetna plan?
Log in to review your benefits, check claims, find care and more. You can also use the Aetna Health℠ app to keep track of plan details and access helpful tools.
For consumers in Georgia
As part of the Georgia Right to Shop Act, you can compare in-network provider rates for a procedure to get estimated out-of-pocket costs.
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).
Aetna and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health® family of companies.
This material is for information only. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. Information is believed to be accurate as of the production date; however, it is subject to change.
Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services.
Health benefits and health insurance plans contain exclusions and limitations.