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Health Plans & Insurance

Mixing flexibility with innovation

Health plans with built-in benefits

We offer more than just health benefits and insurance plans. Each plan comes with personalized support to help lower costs and keep people healthy. Our health plans include:

  • Personalized wellness and disease management programs
  • Online resources to help members keep track of their health plan and health history, research conditions and understand the cost of care
  • Networks of distinguished health care providers and facilities that offer specialized clinical services
  • Offers on a variety of wellness services, including eyewear, gym memberships, acupuncture, chiropractic, weight-loss programs and more

Aetna health plan options

What’s the difference between each plan type?

Network only plans

Care is provided by a primary care physician (PCP) and referrals to specialists, or by seeing an in-network doctor.

Network only plans

Network option plans

These plans offer the flexibility to see in-network doctors or any licensed doctor.

Network option plans

Indemnity plans

The ultimate in flexibility, these plans offer the freedom to visit any licensed health professional.

Indemnity plans

Medicare and retiree plans

These plans are a great solution for Medicare-eligible individuals and retirees.

Medicare and retiree plans

What is Value-Based Care?

As health care costs continue to rise, businesses are always looking for ways to curb spending while taking care of their employees. Value-Based Care (VBC) represents a shift away from the traditional fee-for-service model and has the triple aim of improving health and the health care experience while reducing the costs of care.

Learn how VBC works

Helping members get the support they need

It’s important to provide extra support to members in unique and complex situations. Our performance network and transplant support services make the search for specialized care easier. 

Explore performance networks
Read more about transplant support


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.

This material is for information only. 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. If you are in a plan that requires the selection of a primary care physician and your primary care physician is part of an integrated delivery system or physician group, your primary care physician will generally refer you to specialists and hospitals that are affiliated with the delivery system or physician group.

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