Jeffrey Wade
Aetna, now known as Aetna CVS Health, offers a range of insurance plans for individuals and families, including medical, dental, Medicare, and more. The company provides services to about 39 million people across the US and has a network of 1.8 million health professionals. Aetna CVS Health offers marketplace health insurance plans in 17 states, with monthly costs averaging $594 for single coverage. Open enrollment for ACA individual and family plans typically runs from November 1 to December 15, with the opportunity to enroll outside this window if individuals have experienced a qualifying life event, such as losing insurance through work.
| Characteristics | Values |
|---|---|
| Type of Insurance | Individual & Family Health Insurance, Medicare, Medicaid, Dental Insurance, Vision Insurance, Supplemental Insurance |
| Application Period | November 1 to December 15 |
| Application Process | Visit Health Insurance Marketplace, Nevada Health Link, Covered California, Get Covered New Jersey, Maryland Health Connection, Virginia's Insurance Marketplace |
| Payment Methods | Online, Phone |
| Plan Types | HMO, EPO, PPO |
| Provider Network | 1.8 million medical providers, including physicians, behavioral health providers, MinuteClinic locations, and hospitals |
| Additional Benefits | $25 allowance every 3 months to shop at CVS Health, 20% discount on CVS Health brand products, $0 PCP visits, $0 preventive care, $0 MinuteClinic visits, $3 copay for over 200 generic drugs |
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What You'll Learn
Individual & family health insurance plans
Aetna offers individual and family health insurance plans, including medical, dental, and Medicare plans. These plans are available in various states across the U.S. and are underwritten by different subsidiaries of the company.
Aetna is a part of the CVS Health® family of companies, and its individual and family plans are offered under the Affordable Care Act (ACA). These plans have a range of benefits, including health screenings, mental health support, fitness reimbursements, and more.
To apply for an Aetna individual and family health insurance plan, you can start by reviewing the enrollment checklist and choosing a health plan that suits your needs. You can visit the Health Insurance Marketplace® or state-specific websites to shop for ACA individual and family plans, sign up, and see if you qualify for premium and plan savings.
Open enrollment for ACA individual and family plans typically runs from November 1 to December 15. However, there are special enrollment opportunities if you experience a qualifying life event, such as losing your insurance through work or changes in your household income.
Once you have selected a plan and completed your application, you will need to make your first payment to activate your chosen Aetna health plan. Licensed agents are available to answer any questions and help you choose the right plan for your unique needs.
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Employer-sponsored health plans
If your employer offers Aetna as a choice for your health plan, you can start by reviewing your options on the Aetna website. This will allow you to see the value of Aetna CVS Health Affordable Care Act (ACA) individual and family plans, and you can check if you qualify.
Aetna offers employer-sponsored health insurance plans for employees, with a range of benefits. These include medical, dental, and vision coverage, as well as extra benefits beyond Original Medicare.
Aetna also provides employer-sponsored retiree health coverage, with specific plans tailored to retirees' needs.
Aetna's group health insurance plans for employers are designed to engage employees, improve health outcomes, and lower costs. They offer flexible solutions, data analytics to promote preventive care, and personalized care reminders.
To enroll in an Aetna health plan, you can review the enrollment checklist and the four to-do's before choosing a health plan. If you lose your insurance through work, you can enroll in a new plan, even if you quit your job or were let go.
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Open enrollment dates
Open enrollment is the designated time each year when you can enroll in benefits. U.S.-based employees have two open enrollment opportunities each year: firstly, when they join the company and can select their initial plan, and secondly, when the company’s Aetna policy renews in November.
In California and New Jersey, you can enroll through January 31 for coverage on February 1. If you enroll by December 15, make your first payment by January 1. If you enroll after December 15, make your first payment by February 1.
If you experience a qualifying life event, you may be able to sign up for a new plan outside of the Open Enrollment Period. A qualifying life event is a specific change in your life that lets you update your health insurance outside the usual enrollment period. For example, if you lose your insurance through work, you can enroll in a new plan. You can get coverage even if you quit your job or were let go. Other qualifying life events include getting married, having a baby, adopting a child, getting divorced, or losing a family member who covered you on their plan.
You can also cancel your benefits outside of the open enrollment time if you experience a qualifying life event.
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Payment methods
Aetna offers a variety of payment methods for its members. The specific payment options available may depend on the type of plan and location, but here are some of the common payment methods accepted by Aetna:
- Online Payments: Members can make one-time premium payments or set up automatic monthly payments through the secure payment system on the Aetna website. This can be done by logging into their member account and providing their member ID card, date of birth, and credit/debit card or bank account information.
- Phone Payments: Payments can also be made over the phone by calling the number on the member ID card or, specifically for Medicare plans, by calling 1-855-651-4856 (TTY: 711). This service is available 24 hours a day, 7 days a week.
- Mail: Members can send their payments by mail, including their payment and invoice in a stamped envelope to the address listed. They may also include a check, along with the payment coupon from their invoice, in the envelope provided.
- In-Person Payments: For added convenience, members can pay their bills in person at any CVS retail location, excluding CVS stores in Target or Schnucks locations. This option is available for all payments except for the first month's premium for a new health insurance plan. Members can pay by cash, credit, or debit card, and must bring their invoice for reference.
- Automatic Payments: Aetna also offers the convenience of setting up automatic premium payments through a bank account or credit card. This option can be selected through the member's online account or by calling customer care.
- Payment Services: Aetna handles premium payments through trusted payment services such as InstaMed and Payer Express. Members can create accounts with these services to manage their payments, set up automatic payments, and update their payment methods.
It is important to note that specific payment options may vary depending on the member's plan and location, and members should refer to their plan information or contact Aetna directly for the most accurate and up-to-date payment instructions.
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Aetna CVS Health app
The Aetna CVS Health app is a convenient way to manage your health care and benefits. Available on iOS and Android, the app allows you to access your secure member information and take charge of your health when and where it works best for you, 24/7.
With just a few taps, you can easily manage your benefits and connect to quality care. The app allows you to access your ID card and save it to your Apple Wallet. You can also track your spending and progress towards meeting your deductible, and check on your Health Savings Account, Health Reimbursement Account, and Flexible Spending Account. The Aetna CVS Health app also enables you to view your plan summary and get coverage information, as well as check and pay claims for your whole family.
To find the right care, you can locate network providers near you by location or specialty, compare costs for doctor visits and procedures, and even schedule MinuteClinic appointments at select CVS Pharmacy and Target locations. The app also provides health reminders and personalized tips to help you improve your health.
While the Aetna CVS Health app offers a range of features, some users have reported technical issues with logging in and accessing certain functions. However, the app's support team actively responds to these concerns and provides assistance to resolve any issues.
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Frequently asked questions
You can apply for an Aetna insurance plan by visiting the Health Insurance Marketplace to sign up for an ACA individual and family plan.
Open Enrollment for ACA individual and family plans runs from November 1 to December 15.
Aetna offers a range of benefits, including a $25 allowance every three months to shop at CVS Health, a 20% discount on CVS Health brand products, $0 preventive care, and a $3 copay for over 200 generic drugs. They also offer dental and vision insurance, as well as supplemental insurance.
