Important disclosure information

This information can help you understand what your plan covers, the costs of and rules for using your plan, how to file a grievance and more.

We meet quality standards

We follow health plan accreditation standards of the National Committee for Quality Assurance (NCQA) to offer you quality health plans. Learn how we meet those standards — plus how you can get plan details online or by phone, find out about your rights and responsibilities, understand plan costs and more.

Consumer disclosures for health, dental and vision plans

Individual plans

In certain states we offer health plans for you and your family. Just select a state to find documents that describe these plans, along with state-specific disclosure requirements to help you determine the right coverage.

Dental — a stand-alone plan for individuals

Individual dental disclosure (PDF)

Health plans

State

Group plans

We also offer group health, dental and vision plans (available through an employer). Just select a state to find documents that describe these plans, along with state-specific disclosure requirements to help you determine the right coverage.

State

Product

Beginning January 1, 2022, covered dental services provided to Texas members through Teledentistry by a licensed health professional, will be covered the same as if the services were performed in an in-person setting.

Affordable Care Act Individual Health Insurance Broker Compensation Information For Policies Sold in Florida, Georgia, Missouri, North Carolina, Nevada, Texas, and Virginia for the 2022 Calendar Year Aetna Health Inc.

Direct broker commissions schedule

State	Amount per enrolled member per month*
Florida	$28
Georgia	$22
Missouri	$20
North Carolina	$25
Nevada	$18
Texas	$25
Virginia	$20

State	Florida
Amount per enrolled member per month*	$28

State	Georgia
Amount per enrolled member per month*	$22

State	Missouri
Amount per enrolled member per month*	$20

State	North Carolina
Amount per enrolled member per month*	$25

State	Nevada
Amount per enrolled member per month*	$18

State	Texas
Amount per enrolled member per month*	$25

State	Virginia
Amount per enrolled member per month*	$20

*Commissions are payable to a maximum of five members per policy.

In addition to direct commissions, your broker may also be eligible for a bonus program:

A one-time bonus for new members enrolled on January 1, 2022 and February 1, 2022 according to the following schedule:

Amount of members	Amount of payment per enrolled member
10-24 members	$25
25-49 members	$50
50+ members	$75

Amount of members	10-24 members
Amount of payment per enrolled member	$25

Amount of members	25-49 members
Amount of payment per enrolled member	$50

Amount of members	50+ members
Amount of payment per enrolled member	$75

The broker bonus program applies only to policies sold in these states for the 2022 calendar year. Certain other conditions apply.

Women’s Health and Cancer Rights Act (WHCRA)

If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the WHCRA of 1998. We’ll determine what your coverage will be based on our consultations with you and the attending physician regarding:

All stages of reconstruction of the breast on which the mastectomy was performed
Surgery and reconstruction of the other breast to produce a symmetrical appearance
Prosthesis
Treatment of physical complications of the mastectomy, including lymphedema

You’ll also receive benefits if you’ve had a mastectomy as a result of breast cancer while covered under a different health plan. Your coverage is provided in accordance with your plan design and is subject to plan limitations, copays, deductibles, coinsurance and referral requirements, if any, as noted in your plan documents.

For more information, contact Member Services at the number on your ID card. You can also find resources from the Centers for Medicare & Medicaid Services and the National Institutes of Health.

Additional resources

Brush up on benefits details and your rights as a health care consumer so you can make the right decisions about your care.

Rights and responsibilities

Understand your rights as an Aetna HMO or PPO member.

Your rights

State-specific information

Find health plan policies and guidelines for various states.

State details

Losing group coverage

Explore your options if you’ve lost your group coverage.

Coverage choices

Spending account guidelines

Learn about IRS rules for different flexible spending accounts (FSAs).

FSA guidelines

Changing your coverage

Get guidance for changing your health plan as your life changes.

Plan changes

Legal notices

Note about employer-funded plans: State mandates do not apply to self-funded plans governed by ERISA. If you are unsure if you’re plan is self-funded and/or governed by ERISA, please confer with your benefits administrator. Specific plan documents supersede general disclosures contained within, as applicable.

Managed plans offered by HMO entities are: Aetna Health Network Only^TM, Aetna Primary Care^SM Plan HMO, Aetna Health Network Option^SM, Aetna Open Access^® HMO, Aetna Choice^® POS and QPOS^®.

Managed plans offered by Aetna Life Insurance Company are: Managed Choice^® POS, Aetna Choice^® Plan POS, Aetna Open Access^® Managed Choice, Open Choice^® PPO, Aetna Choice^® Plans PPO, Aetna Open Access^® Elect Choice, Aetna Choice^® POS, Aetna Select^SM and Open Access Aetna Select^SM.

Dental plans are offered, underwritten or administered by: Aetna Health Inc., Aetna Health of California Inc., Aetna Health Insurance Company of New York, Aetna Health Insurance Company, Aetna Life Insurance Company (Aetna), Aetna Dental Inc. and/or Aetna Dental of California Inc.

Policy forms issued in OK include: GR-/GR-9N, GR-29/GR-29N-29N.

See all legal notices