Skip to main content

Making open enrollment easier

Choose a health plan with confidence. We’ve covered all you need to know, from tips to save to plan types and costs … even member stories. Because the more you know about health care, the more prepared you’ll be.

5 ways to save with Aetna

An Aetna® health benefits and insurance plan isn’t just easy to use — it can help you save money, too. Check out some simple things you can do to make the most of your plan every time you need care.

Stay in the network

Network providers charge lower, negotiated rates. Your coinsurance is lower, too.

Get preventive care

It’s a great way to catch problems early. And you pay nothing as long as you stay in network.

Pay less for prescriptions

Try generics, which cost less than name-brand drugs and can be just as effective. And use your plan’s home delivery service for regular prescriptions.

Compare costs

Use your cost-of-care tools to compare costs before you go to the doctor.

Use the ER only for emergencies

Visit an urgent care center or walk-in clinic for non-life-threatening medical issues. 


Tips to pick a plan

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


Let’s talk about plan costs



Who pays what?

Who pays what?

You pay a deductible

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, where you pay a fixed percent of the charges for covered services, like 20% of $100
  • Copayments, which are flat dollar amounts, like $25 for an office visit


Your plan pays after an out-of-pocket max

Each year, there’s a max amount you pay for covered expenses. Once you hit that amount, your plan pays 100% of covered expenses for the rest of the year.

How do I pay for network care?

How do I pay for network care?

Getting care in network has many advantages, like predictable costs and a smooth experience.


Look how easy it is:


  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.


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

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).

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.