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Network Option Plans

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

Plan features QPOS® (Quality Point-of-Service®) Aetna Choice® POS II Managed Choice® Aetna Open Access® Managed Choice Open Choice® PPO Health Network Option
PCP required Yes No Yes No No No
Referrals Yes No Yes No No No
Wellness programs Yes Optional Optional Optional Optional Yes
Aexcel® specialists** No Yes Yes Yes Yes No
Full risk Yes*** No Yes Yes Yes Yes
Self-funded Yes Yes Yes No Yes Yes

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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