Better care access that benefits all
With an Aetna Funding Advantage℠ plan, you can give employees convenient access to care while gaining more control and predictability for your business. Whether care happens at home, in the community or at major health centers, employees have flexible options that fit their needs — no matter which plan you choose.
What is Aetna Funding Advantage?
Aetna Funding Advantage is a self‑funded health plan option designed for small to mid‑sized employers who want predictable costs, protection from risk, and the opportunity to earn money back – while still offering employees quality coverage and access to care.
Nowadays you need the skill of an artist to design a health plan.
With new regulations and rising costs to consider, it takes the right benefits, for the right cost, to reach the best result.
That’s why our self-funding product, Aetna Funding Advantage, was created.
Self-funding isn’t a new idea.
But with Aetna Funding Advantage, it can be an affordable option for small to mid-sized employer groups.
That’s because our plans offer the advantages of self-funding such as, more flexibility over benefit design while managing the risk.
With Aetna Funding Advantage, self-funding is simple and predictable.
With the quality and network options you expect from Aetna.
Our plans offer stable monthly payments and financial protection for years when medical
costs are higher than expected.
So the employer is never asked to cover unexpected expenses.
Also, employers will get money back in years when medical costs are lower than expected.
More flexibility.
Potential cost savings.
Financial predictability.
Three important ingredients in making health care more affordable, with Aetna Funding Advantage.
With the changes in health care, companies are facing a new set of challenges.
That’s why we’ve created new solutions, like Aetna Funding Advantage.
Making a real difference in the value of our plans and the satisfaction of employees.
Let’s talk today about all the ways Aetna can help you get the right benefits for your business by creating a health care plan that is truly a work of art.
A simpler plan with more value
Learn the value of an integrated plan
Bringing together Aetna’s expertise with CVS Health’s reach and care innovations, we deliver a simpler, elevated care experience for your employees — along with cost savings for everyone. Check out the brochure to understand the total value for your business.
Aetna Funding Advantage Total Value Brochure (PDF)
Several paths to savings
With Aetna Funding Advantage, you get perks that you can’t get from Affordable Care Act (ACA) fully insured plans. In addition to saving time on health care tracking and reporting, you can also enjoy:
- Savings of up to 25% on monthly payments*
- Opportunities for shared savings
- Employee-funded individual health savings account (HSA) by PayFlex®
$140 of CVS Health® health and wellness products for employees
Staying healthier and feeling better just got more affordable. With the Over-the-Counter Health Solution (OTC Health Solution) benefit, your enrolled employees and their families (your plan’s members) get a $35 per employee allowance every three months* to spend on hundreds of CVS Health brand over-the-counter (OTC) health and wellness support products.
You're protected
It’s been a risky time to be a small business owner. But with an Aetna Funding Advantage plan, you’re protected. These plans offer the value of self-funding along with financial protection to manage risks. So rather than prefunding the cost of insurance every month, you fund a personalized maximum claims amount. When your claims are higher than this maximum amount, stop-loss insurance kicks in. Even better, when you renew your plan, we return 50% of any surplus to you.
Real surplus success
It pays to stay with Aetna Funding Advantage. Check out the success our small business customers have had with the surplus benefit they've earned. In 2024:
- 44% of eligible groups earned a surplus*
- $7,152 average surplus paid per group*
- $753 average surplus paid per subscriber*
If your effective date is between now and October 1, 2026, you can get a credit per enrolled employee when you buy an AFA plan.*
What’s in it for you
Savings
You can save up to 25%* on monthly payments with self-funding. So you can see the cost savings add up as they go straight to your bottom line.
Control
Minimize your risk while maximizing your rewards. If claims are higher than expected, stop-loss coverage limits your risk. And when your medical costs are lower than anticipated, you’ll get money back for your business.
Simplicity
You make a single payment each month that covers claims, your terminal reserve, stop-loss insurance and plan administration. Plus, our Springboard Marketplace® platform makes it easy with digital shopping, enrollment and reporting capabilities.
Win-win
You can get money back and protection with stop-loss insurance. Plus, our plan designs provide access to the Aetna® value-based care networks and health and wellness benefits. So you win all around.
Legal notices
Aetna is the brand name used for products and services provided by one or more of the Aetna group of Aetna companies, including Aetna Life Insurance Company and its affiliates (Aetna).
Aetna Funding Advantage plans are self-insured by the employer and administered by Aetna Life Insurance Company. Stop loss insurance coverage is offered by Aetna Life Insurance Company.
All trademarks are the property of their respective owners.
