Custom Medical Plans

Traditional Choice® (Indemnity)
With an indemnity plan, employees can access care for covered services from the provider of their choice, without the inconvenience of referrals. Employees are responsible for seeking care, initiating pre-certification (where applicable), paying for services and submitting claims for reimbursement.

Employee out-of-pocket expenses, such as deductibles and coinsurance, must be satisfied before benefits are paid. Benefit maximums and lifetime maximums also apply.

The Aetna HealthFund® (HRA)
The Aetna HealthFund Health Reimbursement Arrangement (HRA) plan is a simple, three-part plan that helps employees take charge of their own health as well as their health care spending. Employees receive a fund at the beginning of each year, to help them pay for medical expenses. Under the Aetna HealthFund HRA plan, employees are also free to choose the doctors and services that fit their individual needs.

Preventive care is covered at 100%, and a deductible applies before plan coverage begins. After the fund is depleted and the deductible is met, remaining eligible health expenses are covered according to the plan coverage level.

Open Choice® (PPO)
Preferred Provider Organization (PPO) plans also give members the choice to seek care from any provider they choose. However, members who may return to the United States while on assignment (or foreign nationals on assignment in the United States) can receive significant discounts when they visit doctors or hospitals that participate in Aetna's U.S. provider network. One of the most extensive networks in the United States today, it includes doctors and hospitals approved and recruited by Aetna to offer quality care at pre-negotiated rates. In addition, plans include benefits for services received outside the U.S. that can match or exceed those received while in an Aetna U.S. network -- so employees are not penalized when seeking care outside the U.S.

*Offered on an Administrative Services Only (ASO) basis only. A minimum population of 500 employees is required to participate in the Aetna Choice POS II plan. Additional guidelines for eligible groups may apply.