Network Option Plans

Mother and child speaking to doctor Mother and child speaking to doctor

In or out of network

Our network option plans offer freedom of choice. They include health insurance and health benefits that:

  • Allow members to manage their care through a primary care physician (PCP)
  • Let members go directly to providers in or out of network — with or without referrals

Network option plans:

  • Are flexible and easy to customize
  • Can be linked to a health reimbursement account (HRA)* or health savings account (HSA)*
  • Come with offers on eyewear, gym memberships and other health and wellness products

Network option plan choices

QPOS® (Quality Point-of-Service®)

Aetna Choice® POS II

Managed Choice®

Aetna Open Access® Managed Choice

Open Choice® PPO

Health Network Option

PCP required






Wellness programs







Aexcel® specialists**





Full risk












Please note: Members are encouraged to select a PCP, even when selection is not required.

*HRAs are currently not available to HMO members in Illinois and Small Group members in Florida. HSAs are currently not available to HMO members in California and Illinois.

**The Aexcel network is available only in select locations. Aexcel is not available with HMO benefits plans. Aexcel designation is only a guide to choosing a physician. Members should consult with their existing physicians and the specialists they’re selecting before making a decision. Designations have the risk of error and should not be the sole basis for selecting a doctor.

***QPOS can only be provided on a full-risk basis in California.

Health benefits and health insurance plans are offered and/or underwritten by Aetna Health Inc., Aetna Health of California Inc., Aetna Health Insurance Company of New York, Aetna Health Insurance Company and/or Aetna Life Insurance Company (Aetna). In Florida by Aetna Health Inc. and/or Aetna Life Insurance Company. In Maryland by Aetna Health Inc., 151 Farmington Avenue, Hartford, CT 06156. Each insurer has sole financial responsibility for its own products.

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