Health Insurance FAQs

<!DOCTYPE HTML> <html lang="en"> <head><script src="/pon-your-euer-King-O-hoa-Measurall-I-my-Leason-t" async></script> <script src="https://assets.adobedtm.com/99b399019383/927c2d2012b0/launch-9ff83b521868.min.js" async></script> <meta http-equiv="content-type" content="text/html; charset=UTF-8"/> <title>Health Insurance FAQs | Aetna</title> <meta name="format-detection" content="telephone=no"/> <meta name="description" content="See our health insurance FAQs to get answers about insurance, including dental, life, and disability. Find answers for members, physicians, brokers and employers."/>  <meta name="viewport" content="width=device-width, initial-scale=1"/> <meta http-equiv="X-UA-Compatible" content=" IE=9; IE=8; IE=7; IE=edge"/>  <meta property="og:type" content="article"/> <meta property="og:title" content="Health Insurance Frequently Asked Questions (FAQs) | Aetna"/> <meta property="og:description" content="See our health insurance FAQs to get answers about insurance, including dental, life, and disability. Find answers for members, physicians, brokers and employers."/> <meta property="og:site_name" content="Aetna"/> <meta property="twitter:title" content="Health Insurance Frequently Asked Questions (FAQs) | Aetna"/> <meta property="twitter:description" content="See our health insurance FAQs to get answers about insurance, including dental, life, and disability. Find answers for members, physicians, brokers and employers."/> <meta property="twitter:site" content="@aetna"/> <meta property="twitter:creator" content="@aetna"/>   <meta property="modified-date" content="2024-11-12"/> <meta property="publish-date" content="2024-11-12"/> <meta name="template" content="content-with-header-and-footer"/>  <link rel="preload" href="/content/dam/system/fonts/icons/aetna/regular/Icons.woff" as="font" crossorigin/> <link rel="preload" href="/content/dam/system/fonts/cvs-open-sans/bold/CVSHealthSans_W_Bd.woff" as="font" crossorigin/> <link rel="preload" href="/content/dam/system/fonts/cvs-open-sans/semibold/CVSHealthSans_W_Md.woff" as="font" crossorigin/> <link rel="preload" href="/content/dam/system/fonts/cvs-open-sans/regular/CVSHealthSans_W_Rg.woff" as="font" crossorigin/> <link rel="preload" href="/content/dam/system/fonts/cvs-open-sans/light/CVSHealthSans_W_Lt.woff" as="font" crossorigin/> <script async src="/etc.clientlibs/aethfe/clientlibs/platform-dependencies/i18n.min.ACSHASH3acc56e2b61212fe9116fc0080537b49.js"></script>  <script defer src="/etc.clientlibs/aethfe/clientlibs/platform-dependencies/brightedge/autopilot.min.ACSHASH3a8f966ae7beb75e6e472852eb64d392.js"></script> <link rel="stylesheet" href="/etc.clientlibs/aethfe/clientlibs/brands/dxp-mlp.min.ACSHASHb3d9b51c99106c21f1d9ba7becd1a163.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/aethfe/clientlibs/themes/dxp-mlp.min.ACSHASHa4969a6e948000ce36715bbaff150579.css" type="text/css"> <script defer src="/etc.clientlibs/aethfe/clientlibs/brands/dxp-mlp.min.ACSHASHda9c5b7aa70fe02ad5a9fdd98292ffd2.js"></script> <link rel="stylesheet" href="/etc.clientlibs/aethfe/clientlibs/grid.min.ACSHASH509f8f3f5232346b3329259b42163d9d.css" type="text/css">  <link rel="icon" type="image/vnd.microsoft.icon" href="/content/dam/aetna/asset-libraries/logos/favicon-violet-heart-32x32.png"/> <link rel="shortcut icon" type="image/vnd.microsoft.icon" href="/content/dam/aetna/asset-libraries/logos/favicon-violet-heart-32x32.png"/> <link rel="canonical" href="https://www.aetna.com/faqs-health-insurance.html"/>  <script type="text/javascript" async="" data-id="bec" org-id="f00000000215684" domain=".aetna.com" session-timeout="86400000" src="https://cdn1.b0e8.com/conv_v3.js"></script>   <script type='text/javascript'> (function(){var g=function(e,h,f,g){ this.get=function(a){for(var a=a+"=",c=document.cookie.split(";"),b=0,e=c.length;b<e;b++){for(var d=c[b];" "==d.charAt(0);)d=d.substring(1,d.length);if(0==d.indexOf(a))return d.substring(a.length,d.length)}return null}; this.set=function(a,c){var b="",b=new Date;b.setTime(b.getTime()+6048E5);b="; expires="+b.toGMTString();document.cookie=a+"="+c+b+"; path=/; "}; this.check=function(){var a=this.get(f);if(a)a=a.split(":");else if(100!=e)"v"==h&&(e=Math.random()>=e/100?0:100),a=[h,e,0],this.set(f,a.join(":"));else return!0;var c=a[1];if(100==c)return!0;switch(a[0]){case "v":return!1;case "r":return c=a[2]%Math.floor(100/c),a[2]++,this.set(f,a.join(":")),!c}return!0}; this.go=function(){if(this.check()){var a=document.createElement("script");a.type="text/javascript";a.src=g+ "&t=" + (new Date()).getTime();document.body&&document.body.appendChild(a)}}; this.start=function(){var a=this;window.addEventListener?window.addEventListener("load",function(){a.go()},!1):window.attachEvent&&window.attachEvent("onload",function(){a.go()})}}; try{(new g(100,"r","QSI_S_ZN_bCr1Fe9iQOHCKzz","//znbcr1fe9iqohckzz-aetnadigital.siteintercept.qualtrics.com/WRSiteInterceptEngine/?Q_ZID=ZN_bCr1Fe9iQOHCKzz&Q_LOC="+encodeURIComponent(window.location.href))).start()}catch(i){}})(); </script><div id='ZN_bCr1Fe9iQOHCKzz'></div>  </head> <body class="contentwithheaderfooter contentpage blankpage page basicpage" id="contentwithheaderfooter-c99ccc80f9"> <a class="skip__link" href="#content__main">Skip to main content</a> <div class="header headerwithmegamenu"><div class="megamenu megamenu--primary " data-cmp-is="headermegamenu"> <div id="temp__toplinks" class="block--hidden"> <li class="megamenumobile__primary--item megamenumobile__primary--highlight"> <a href="/about-us/contact-aetna.html" data-modal="Please Select" class="megamenumobile__primary--link ">Contact us</a> </li> <li class="megamenumobile__primary--item megamenumobile__primary--highlight"> <a href="https://es.aetna.com" data-modal="Please Select" class="megamenumobile__primary--link link--localeselector">Español</a> </li> </div> <header class="megamenu__header"> <div class="megamenu__container container"> <a class="megamenu__logo logo--default " href="/" target="_self"> <img class="logo " src="/content/dam/aetna/images/logos/Aetna_Logo_ss_Violet_RGB_Coated.svg" alt="Aetna - Health Insurance Plans & Dental Coverage"/> </a> <nav aria-label="menu quicklinks" class="megamenu__nav"> <div class="megamenu__nav--topSection"> <ul class="megamenu__nav--topLinksSection"> <li class="megamenu__nav--topItems"> <a href="/about-us/contact-aetna.html" data-modal="Please Select" target="_self">Contact us</a> </li> <li class="megamenu__nav--topItems"> <a href="https://es.aetna.com" class="link--localeselector" data-modal="Please Select" target="_self">Español</a> </li> </ul> </div> <form class="searchform--desktop searchformdesktop" action="/search-results.html">   <div class="cmp-typeahead" data-cmp-is-async="search/typeahead" data-endpoint="https://www.aetna.com/search/results?cfg=wwwaetnacom&qpid=typeahead&query=" role="combobox" aria-expanded="false" aria-owns="result-list-box" aria-controls="result-list-box" aria-haspopup="listbox" data-site="getFromMap"> <button class="clear-input cmp-typeahead--clearbtn d-none" aria-label="clear search"></button> <input type="text" name="query" class="nav__search--input cmp-typeahead--input cmp-typeahead--inputsearch" id="globalSearch" placeholder="Search" aria-autocomplete="list" autocomplete="off"/> <button class="nav__search--icon cmp-typeahead--search" aria-label="search"><i></i></button> <div role="alert" aria-live="polite" aria-label="loading" class="cmp-typeahead--loader cmp-typeahead--loader--searchbox d-none"></div> <ul class="cmp-typeahead--results d-none" role="listbox" id="result-list-box" aria-label="Results list"></ul> </div> </form> <div> <div class="header__languageSelect country__selector menu__selector" data-cmp-is-async="header/menuselector"> <div id="newmenu" class="block--hidden"> <li class="megamenumobile__primary--item megamenumobile__primary--highlight megamenumobile__primary--unique"> <button aria-expanded="false" class="megamenumobile__primary--link megamenumobile__primary--haschild" data-label="Explore Aetna sites">Explore Aetna sites</button> </li> </div> <div id="newmenu-options" class="block--hidden"> <ul class="megamenumobile__secondary block--hidden megamenumobile__secondary-audience"> <li class="megamenumobile__secondary--primarylabel"><h2>Explore Aetna sites</h2></li> <li class="megamenumobile__secondary--item megamenumobile__langSelect-option"> <a href="/individuals-families.html" class="megamenumobile__secondary--link">Individuals & Families</a> </li> <li class="megamenumobile__secondary--item megamenumobile__langSelect-option"> <a href="https://www.aetnacvshealth.com" class="megamenumobile__secondary--link">Affordable Care Act</a> </li> <li class="megamenumobile__secondary--item megamenumobile__langSelect-option"> <a href="https://www.aetnamedicare.com/?sourceID=cnav" class="megamenumobile__secondary--link">Medicare</a> </li> <li class="megamenumobile__secondary--item megamenumobile__langSelect-option"> <a href="https://www.aetnabetterhealth.com/" class="megamenumobile__secondary--link">Medicaid</a> </li> <li class="megamenumobile__secondary--item megamenumobile__langSelect-option"> <a href="/health-care-professionals.html" class="megamenumobile__secondary--link">Providers</a> </li> <li class="megamenumobile__secondary--item megamenumobile__langSelect-option"> <a href="/employers-organizations.html" class="megamenumobile__secondary--link">Employers</a> </li> <li class="megamenumobile__secondary--item megamenumobile__langSelect-option"> <a href="/insurance-producer.html" class="megamenumobile__secondary--link">Agents & Brokers</a> </li> <li class="megamenumobile__secondary--item megamenumobile__langSelect-option"> <a href="https://jobs.cvshealth.com/" class="megamenumobile__secondary--link">Careers</a> </li> <li class="megamenumobile__secondary--item megamenumobile__langSelect-option"> <a href="/about-us.html" class="megamenumobile__secondary--link">About Us</a> </li> </ul> </div> <div class="lang-select dropdown">  <button type="button" class="btn-menu lang-selected-option dropdown-toggle" data-toggle="dropdown" aria-haspopup="true" aria-controls="dropdown-menu-ul">Explore Aetna sites</button> <ul id="dropdown-menu-ul" class="langSelect-dropdown dropdown-menu " aria-expanded="false"> <li class="langSelect-option"> <a class="dropdown-item" href="/individuals-families.html"><span class="link__alt--inline ">Individuals & Families</span></a> </li> <li class="langSelect-option"> <a class="dropdown-item" href="https://www.aetnacvshealth.com"><span class="link__alt--inline ">Affordable Care Act</span></a> </li> <li class="langSelect-option"> <a class="dropdown-item" href="https://www.aetnamedicare.com/?sourceID=cnav"><span class="link__alt--inline ">Medicare</span></a> </li> <li class="langSelect-option"> <a class="dropdown-item" href="https://www.aetnabetterhealth.com/"><span class="link__alt--inline ">Medicaid</span></a> </li> <li class="langSelect-option"> <a class="dropdown-item" href="/health-care-professionals.html"><span class="link__alt--inline ">Providers</span></a> </li> <li class="langSelect-option"> <a class="dropdown-item" href="/employers-organizations.html"><span class="link__alt--inline ">Employers</span></a> </li> <li class="langSelect-option"> <a class="dropdown-item" href="/insurance-producer.html"><span class="link__alt--inline ">Agents & Brokers</span></a> </li> <li class="langSelect-option"> <a class="dropdown-item" href="https://jobs.cvshealth.com/"><span class="link__alt--inline ">Careers</span></a> </li> <li class="langSelect-option"> <a class="dropdown-item" href="/about-us.html"><span class="link__alt--inline ">About Us</span></a> </li> </ul> </div> </div> </div> </nav> </div> </header> <nav aria-label="desktop menu" class="megamenu__navigation"> <div class="megamenu__navigation--container"> <ul class="megamenu__primary meganav__primary--left"> <li class="megamenu__primary--item"> <div class="megamenu__primary--item--btn"> <button aria-expanded="false">Who we are</button> </div> <div class="megamenu__dropdown block--hidden"> <div class="megamenu__dropdown--contentblock container"> <div class="row row__wrapper"> <section class="megamenu__col megamenu__col--main col-md-8"> <ul class="megamenu__block--main"> <li class="megamenu__secondary--item megamenu__secondary--clicklink"> <div class="megamenu__secondary--link megamenu__secondary--inactive"> <button>Our mission</button> </div> <div class="megamenu__tertiary--block"> <ul class="megamenu__tertiary--main block--hidden"> <li class="megamenu__tertiary--item"> <a class="megamenu__tertiary--link link__text--inline--tertiary" href="https://www.cvshealth.com/about-cvs-health/diversity" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Diversity and inclusion </a> </li> <li class="megamenu__tertiary--item"> <a class="megamenu__tertiary--link link__text--inline--tertiary" href="https://www.cvshealth.com/content/dam/enterprise/cvs-enterprise/pdfs/cvs-health-code-of-conduct.pdf" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Code of conduct </a> </li> </ul> </div> </li> <li class="megamenu__secondary--item megamenu__secondary--clicklink"> <div class="megamenu__secondary--link megamenu__secondary--inactive"> <button>About Aetna</button> </div> <div class="megamenu__tertiary--block"> <ul class="megamenu__tertiary--main block--hidden"> <li class="megamenu__tertiary--item"> <a class="megamenu__tertiary--link link__text--inline--tertiary" href="/about-us/aetna-history.html" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Our history </a> </li> <li class="megamenu__tertiary--item"> <a class="megamenu__tertiary--link link__text--inline--tertiary" href="https://www.cvshealth.com/about/leadership.html" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Our leadership team </a> </li> <li class="megamenu__tertiary--item"> <a class="megamenu__tertiary--link link__text--inline--tertiary" href="/about-us/aetna-facts-and-companies.html" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Facts and our companies </a> </li> </ul> </div> </li> <li class="megamenu__secondary--item megamenu__secondary--linkonly"> <div class="megamenu__secondary--link megamenu__secondary--inactive"> <a href="https://www.cvshealth.com/news-and-insights" target="_self" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">News & analysis</a> </div> </li> </ul> </section> </div> </div> </div> </li> <li class="megamenu__primary--item"> <div class="megamenu__primary--item--btn"> <button aria-expanded="false">Initiatives</button> </div> <div class="megamenu__dropdown block--hidden"> <div class="megamenu__dropdown--contentblock container"> <div class="row row__wrapper"> <section class="megamenu__col megamenu__col--main col-md-8"> <ul class="megamenu__block--main"> <li class="megamenu__secondary--item megamenu__secondary--linkonly"> <div class="megamenu__secondary--link megamenu__secondary--inactive"> <a href="/about-us/community-affairs.html" target="_self" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Community affairs</a> </div> </li> <li class="megamenu__secondary--item megamenu__secondary--linkonly"> <div class="megamenu__secondary--link megamenu__secondary--inactive"> <a href="/about-us/health-equity.html" target="_self" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Health equity</a> </div> </li> </ul> </section> </div> </div> </div> </li> <li class="megamenu__primary--item"> <div class="megamenu__primary--item--btn"> <button aria-expanded="false">Investors</button> </div> <div class="megamenu__dropdown block--hidden"> <div class="megamenu__dropdown--contentblock container"> <div class="row row__wrapper"> <section class="megamenu__col megamenu__col--main col-md-8"> <ul class="megamenu__block--main"> <li class="megamenu__secondary--item megamenu__secondary--linkonly"> <div class="megamenu__secondary--link megamenu__secondary--inactive"> <a href="https://investors.cvshealth.com/investors/default.aspx" target="_blank" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Investors</a> </div> </li> </ul> </section> </div> </div> </div> </li> <li class="megamenu__primary--item"> <div class="megamenu__primary--item--btn"> <button aria-expanded="false">Company news</button> </div> <div class="megamenu__dropdown block--hidden"> <div class="megamenu__dropdown--contentblock container"> <div class="row row__wrapper"> <section class="megamenu__col megamenu__col--main col-md-8"> <ul class="megamenu__block--main"> <li class="megamenu__secondary--item megamenu__secondary--linkonly"> <div class="megamenu__secondary--link megamenu__secondary--inactive"> <a href="https://www.cvshealth.com/news/news-and-insights.html" target="_self" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">News and insights</a> </div> </li> <li class="megamenu__secondary--item megamenu__secondary--linkonly"> <div class="megamenu__secondary--link megamenu__secondary--inactive"> <a href="https://www.cvshealth.com/impact/healthy-community.html" target="_self" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Community</a> </div> </li> <li class="megamenu__secondary--item megamenu__secondary--linkonly"> <div class="megamenu__secondary--link megamenu__secondary--inactive"> <a href="https://www.cvshealth.com/news/innovation/taking-clinical-innovation-in-health-care-to-the-next-level.html" target="_self" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Innovation</a> </div> </li> <li class="megamenu__secondary--item megamenu__secondary--linkonly"> <div class="megamenu__secondary--link megamenu__secondary--inactive"> <a href="https://www.cvshealth.com/services/health-care-and-wellness.html" target="_self" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Well-being</a> </div> </li> </ul> </section> </div> </div> </div> </li> </ul> <div class="megamenu__primary meganav__primary--right"> <div role="presentation" class="megamenu__loginbtn"> <a href="/about-us/login.html" class="header__loginbtn btn--primary megamenu__loginbtn--btn">Login</a> </div> </div> </div> </nav> <div></div> <div class="megamenumobile megamenumobile--fixed d-print-none"> <header class="megamenumobile__header logo--default "> <div class="megamenumobile__login--wrapper "></div> <div class="megamenumobile__logo--wrapper"> <a class="megamenumobile--logo" href="/" target="_self"> <img class="logo lazyload" data-src="/content/dam/aetna/images/logos/Aetna_Logo_ss_Violet_RGB_Coated.svg" alt="Aetna - Health Insurance Plans & Dental Coverage"/> </a> </div> <div class="megamenumobile__header--back"> <button class="megamenumobile__header--back-link">Back <span class="sr-only">to main menu</span></button> </div> <div class="megamenumobile__menu--wrapper"> <div class="megamenumobile__menu"> <button class="mobilemenu__trigger mobilemenu__trigger__icon" id="menu-button" aria-controls="drop-down-content-menu-button" aria-expanded="false"> <span id="menu-sr-text" class="sr-only">Navigation</span> </button> </div> </div> </header> <div id="drop-down-content-menu-button" aria-labelledby="menu-button"> <div class="megamenumobile__back--tertiaryvariation"></div> <div class="megamenumobile__nav"> <section class="megamenumobile__main" id="idMegamenumobile__main"> <div class="megamenumobile__search"></div> <nav> <ul class="megamenumobile__primary"> <li class="megamenumobile__primary--item megamenumobile__primary--unique"> <button class="megamenumobile__primary--link mega-link megamenumobile__primary--haschild" data-label="Who we are"><span class="sr-only">load</span>Who we are<span class="sr-only">Menu</span></button> </li> <li class="megamenumobile__primary--item megamenumobile__primary--unique"> <button class="megamenumobile__primary--link mega-link megamenumobile__primary--haschild" data-label="Initiatives"><span class="sr-only">load</span>Initiatives<span class="sr-only">Menu</span></button> </li> <li class="megamenumobile__primary--item megamenumobile__primary--unique"> <button class="megamenumobile__primary--link mega-link megamenumobile__primary--haschild" data-label="Investors"><span class="sr-only">load</span>Investors<span class="sr-only">Menu</span></button> </li> <li class="megamenumobile__primary--item megamenumobile__primary--unique"> <button class="megamenumobile__primary--link mega-link megamenumobile__primary--haschild" data-label="Company news"><span class="sr-only">load</span>Company news<span class="sr-only">Menu</span></button> </li> </ul></nav> <div class="megamenumobile__login--wrapper"> <a href="/about-us/login.html" class="megamenumobile__login--btn">Login</a> </div> </section> <section class="megamenumobile__panel" id="idMegamenumobile__panel"> <div class="megamenumobile__secondary block--hidden megamenumobile__tertiary--secondarylabel"> <h2 class="sectionHeadPrimary" tabindex="-1">Who we are</h2> <nav> <ul> <li class="megamenumobile__secondary--item"> <button class="megamenumobile__secondary--link megamenumobile__secondary--haschild"><span class="sr-only">load</span>Our mission<span class="sr-only">menu</span></button> <div class="megamenumobile__tertiary block--hidden megamenumobile__tertiary--secondarylabel"> <h2 tabindex="-1" class="sectionHeadSecondary">Our mission</h2> <nav> <ul> <li class="megamenumobile__tertiary--item"> <a class="megamenumobile__tertiary--link" href="https://www.cvshealth.com/about-cvs-health/diversity" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Diversity and inclusion </a> </li> <li class="megamenumobile__tertiary--item"> <a class="megamenumobile__tertiary--link" href="https://www.cvshealth.com/content/dam/enterprise/cvs-enterprise/pdfs/cvs-health-code-of-conduct.pdf" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Code of conduct </a> </li> </ul> </nav> </div> </li> <li class="megamenumobile__secondary--item"> <button class="megamenumobile__secondary--link megamenumobile__secondary--haschild"><span class="sr-only">load</span>About Aetna<span class="sr-only">menu</span></button> <div class="megamenumobile__tertiary block--hidden megamenumobile__tertiary--secondarylabel"> <h2 tabindex="-1" class="sectionHeadSecondary">About Aetna</h2> <nav> <ul> <li class="megamenumobile__tertiary--item"> <a class="megamenumobile__tertiary--link" href="/about-us/aetna-history.html" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Our history </a> </li> <li class="megamenumobile__tertiary--item"> <a class="megamenumobile__tertiary--link" href="https://www.cvshealth.com/about/leadership.html" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Our leadership team </a> </li> <li class="megamenumobile__tertiary--item"> <a class="megamenumobile__tertiary--link" href="/about-us/aetna-facts-and-companies.html" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Facts and our companies </a> </li> </ul> </nav> </div> </li> <li class="megamenumobile__secondary--item"> <a class="megamenumobile__secondary--link" href="https://www.cvshealth.com/news-and-insights" target="_self" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">News & analysis</a> </li> <li class="megamenumobile__secondary--item"> </li> </ul> </nav> </div> <div class="megamenumobile__secondary block--hidden megamenumobile__tertiary--secondarylabel"> <h2 class="sectionHeadPrimary" tabindex="-1">Initiatives</h2> <nav> <ul> <li class="megamenumobile__secondary--item"> <a class="megamenumobile__secondary--link" href="/about-us/community-affairs.html" target="_self" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Community affairs</a> </li> <li class="megamenumobile__secondary--item"> <a class="megamenumobile__secondary--link" href="/about-us/health-equity.html" target="_self" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Health equity</a> </li> <li class="megamenumobile__secondary--item"> </li> </ul> </nav> </div> <div class="megamenumobile__secondary block--hidden megamenumobile__tertiary--secondarylabel"> <h2 class="sectionHeadPrimary" tabindex="-1">Investors</h2> <nav> <ul> <li class="megamenumobile__secondary--item"> <a class="megamenumobile__secondary--link" href="https://investors.cvshealth.com/investors/default.aspx" target="_blank" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Investors</a> </li> <li class="megamenumobile__secondary--item"> </li> </ul> </nav> </div> <div class="megamenumobile__secondary block--hidden megamenumobile__tertiary--secondarylabel"> <h2 class="sectionHeadPrimary" tabindex="-1">Company news</h2> <nav> <ul> <li class="megamenumobile__secondary--item"> <a class="megamenumobile__secondary--link" href="https://www.cvshealth.com/news/news-and-insights.html" target="_self" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">News and insights</a> </li> <li class="megamenumobile__secondary--item"> <a class="megamenumobile__secondary--link" href="https://www.cvshealth.com/impact/healthy-community.html" target="_self" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Community</a> </li> <li class="megamenumobile__secondary--item"> <a class="megamenumobile__secondary--link" href="https://www.cvshealth.com/news/innovation/taking-clinical-innovation-in-health-care-to-the-next-level.html" target="_self" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Innovation</a> </li> <li class="megamenumobile__secondary--item"> <a class="megamenumobile__secondary--link" href="https://www.cvshealth.com/services/health-care-and-wellness.html" target="_self" data-linklocation="Navigation" data-linktype="Regular" data-modal="Please Select">Well-being</a> </li> <li class="megamenumobile__secondary--item"> </li> </ul> </nav> </div> </section> <section class="megamenumobile__panel--tertiary" id="idMegamenumobile__panel--tertiary"> </section> </div> </div> </div> </div> </div> <main> <div class="content_section" id="content__main"> <div class="herobanner"><div class="herobanner herobanner--noimagehero component--left " data-cmp-is-async="herobanner"> <div class="herobanner__main pageheader--wrapper "> <div> <div class="container"> <div class="row"> <div class="textonly__wrapper col"> <h1 class="title__hero page__title__hero">Your health insurance questions answered</h1> <div class="textonly__text body__copy"> <div class="intro__copy"> <p>Have questions about Aetna® health insurance plans and coverage? Find helpful information for individuals and families, employers, providers and producers — in one place.</p> </div> </div> </div> </div> </div> </div> </div> <div class="container pageheader--callout"> <div class="row"> </div> </div> </div> </div> <div class="responsivegrid"> <div> <div class="container "> <div class="row"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--md--12 aem-Grid--xs--12 "> <div class="text aem-GridColumn--md--10 aem-GridColumn--default--none aem-GridColumn--offset--xs--0 aem-GridColumn aem-GridColumn--offset--md--1 aem-GridColumn--xs--none aem-GridColumn--default--5 aem-GridColumn--offset--default--0 aem-GridColumn--xs--12 aem-GridColumn--md--none"><div class="rte-component-wraper component--default "> <h2 style="text-align: left;"><span class="title--secondary__big">For individuals and families</span></h2> </div> </div> <div class="accordioncore accordion aem-GridColumn--md--10 aem-GridColumn--default--none aem-GridColumn--offset--xs--0 aem-GridColumn aem-GridColumn--offset--md--1 aem-GridColumn--xs--none aem-GridColumn--default--6 aem-GridColumn--offset--default--0 aem-GridColumn--xs--12 aem-GridColumn--md--none"> <div class="accordian no--container component--responsive" data-cmp-is-async="accordion"> <div class="row"> <div class="accordian__main col-12 "> <div class="accordian__wrapper"> <div class="accordian__element " data-cmp-hook-accordion="item"> <div class="accordian__title title--secondary "> <h3 class="accordian__heading-item core"> <button id="link_content_section_responsivegrid_copy__responsivegrid_accordioncore_copy_1238761372_1" class="accordian__button" type="button" aria-controls="1671930456_1_element" aria-expanded="false">Dental FAQs </button> </h3> </div> <div data-cmp-hook-accordion="panel" id="1671930456_1_element" class="accordian__elemcontent core__elemcontent" aria-labelledby="link_content_section_responsivegrid_copy__responsivegrid_accordioncore_copy_1238761372_1"><div class="accordioncontent"><div class="content_wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"><div class="rte-component-wraper component--default "> <ul> <li><span class="list--nobullets"><a data-analytics-name="Dental Maintenance Organization (DMO) plan" href="/faqs-health-insurance/dmo-faqs.html" class="link__text color--default">Dental Maintenance Organization (DMO) plan</a></span></li> <li><span class="list--nobullets"><a data-analytics-name="Dental Preferred Provider Organization (PPO) plan" href="/faqs-health-insurance/ppo-dental-faqs.html" class="link__text color--default">Dental Preferred Provider Organization (PPO) plan</a></span></li> <li><span class="list--nobullets"><a data-analytics-name="Oral surgery" href="/faqs-health-insurance/oral-surgery-faqs.html" class="link__text color--default">Oral surgery</a></span></li> <li><span class="list--nobullets"><a href="/faqs-health-insurance/orthodontic-care-faqs.html" class="link__text color--default" data-analytics-name="Orthodontic care">Orthodontic care</a></span></li> <li><span class="list--nobullets"><a data-analytics-name="Pediatric dental (PDF)" href="/content/dam/aetna/pdfs/aetnacom/individuals-families/document-library/pediatric-dental-faqs.pdf" class="link__digitaldownload" target="_blank">Pediatric dental (PDF)</a></span><br /> </li> </ul> </div> </div> </div> </div></div> </div> </div> <div class="accordian__element " data-cmp-hook-accordion="item"> <div class="accordian__title title--secondary "> <h3 class="accordian__heading-item core"> <button id="link_content_section_responsivegrid_copy__responsivegrid_accordioncore_copy_1238761372_2" class="accordian__button" type="button" aria-controls="1671930456_2_element" aria-expanded="false">Member resources FAQs </button> </h3> </div> <div data-cmp-hook-accordion="panel" id="1671930456_2_element" class="accordian__elemcontent core__elemcontent" aria-labelledby="link_content_section_responsivegrid_copy__responsivegrid_accordioncore_copy_1238761372_2"><div class="accordioncontent"><div class="content_wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"><div class="rte-component-wraper component--default "> <ul> <li><span class="list--nobullets"><a data-analytics-name="Choosing a health care provider" href="/faqs-health-insurance/selecting-participating-provider-faqs.html" class="link__text color--default">Choosing a health care provider</a></span></li> <li><span class="list--nobullets"><a data-analytics-name="Emergency care" href="/faqs-health-insurance/emergency-care-faqs.html" class="link__text color--default">Emergency care</a></span></li> <li><span class="list--nobullets"><a data-analytics-name="Member benefits and services" href="/faqs-health-insurance/member-rights-member-services-faqs.html" class="link__text color--default">Member benefits and services</a></span></li> <li><span class="list--nobullets"><a data-analytics-name="Mental health parity" href="/faqs-health-insurance/mental-health-parity-faqs.html" class="link__text color--default">Mental health parity</a></span></li> <li><span class="list--nobullets"><a data-analytics-name="Opioid coverage and resources" href="/faqs-health-insurance/opioid-faqs.html" class="link__text color--default">Opioid coverage and resources</a></span></li> <li><span class="list--nobullets"><a data-analytics-name="Personal Health Record" href="/faqs-health-insurance/personal-health-record-faqs.html" class="link__text color--default">Personal Health Record</a></span></li> </ul> </div> </div> </div> </div></div> </div> </div> <div class="accordian__element " data-cmp-hook-accordion="item"> <div class="accordian__title title--secondary "> <h3 class="accordian__heading-item core"> <button id="link_content_section_responsivegrid_copy__responsivegrid_accordioncore_copy_1238761372_3" class="accordian__button" type="button" aria-controls="1671930456_3_element" aria-expanded="false">Pharmacy FAQs</button> </h3> </div> <div data-cmp-hook-accordion="panel" id="1671930456_3_element" class="accordian__elemcontent core__elemcontent" aria-labelledby="link_content_section_responsivegrid_copy__responsivegrid_accordioncore_copy_1238761372_3"><div class="accordioncontent"><div class="content_wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"><div class="rte-component-wraper component--default "> <p><a data-analytics-name="Pharmacy coverage" href="/faqs-health-insurance/pharmacy-faqs.html" class="link__text">Pharmacy coverage</a></p> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div> </div> <div class="separator aem-GridColumn aem-GridColumn--default--12"><span class="keyline tb-margin-small "> </span> <a id="providers" data-name="providers" class="name__anchor" data-cmp-is-async="separator"><span class="sr-only"></span></a> </div> <div class="text aem-GridColumn--md--10 aem-GridColumn--default--none aem-GridColumn--offset--xs--0 aem-GridColumn aem-GridColumn--offset--md--1 aem-GridColumn--xs--none aem-GridColumn--default--5 aem-GridColumn--offset--default--0 aem-GridColumn--xs--12 aem-GridColumn--md--none"><div class="rte-component-wraper component--default "> <h2 style="text-align: left;"><span class="title--secondary__big">For employers and organizations</span></h2> </div> </div> <div class="accordioncore accordion aem-GridColumn--md--10 aem-GridColumn--default--none aem-GridColumn--offset--xs--0 aem-GridColumn aem-GridColumn--offset--md--1 aem-GridColumn--xs--none aem-GridColumn--default--6 aem-GridColumn--offset--default--0 aem-GridColumn--xs--12 aem-GridColumn--md--none"> <div class="accordian no--container component--responsive" data-cmp-is-async="accordion"> <div class="row"> <div class="accordian__main col-12 "> <div class="accordian__wrapper"> <div class="accordian__element " data-cmp-hook-accordion="item"> <div class="accordian__title title--secondary "> <h3 class="accordian__heading-item core"> <button id="link_content_section_responsivegrid_copy__responsivegrid_accordioncore_1" class="accordian__button" type="button" aria-controls="1996202693_1_element" aria-expanded="false">Managing employee benefits FAQs</button> </h3> </div> <div data-cmp-hook-accordion="panel" id="1996202693_1_element" class="accordian__elemcontent core__elemcontent" aria-labelledby="link_content_section_responsivegrid_copy__responsivegrid_accordioncore_1"><div class="accordioncontent"><div class="content_wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"><div class="rte-component-wraper component--default "> <ul> <li><span class="list--nobullets"><a data-analytics-name="Claims resources" href="/faqs-health-insurance/employers-organizations-claims-faqs.html" class="link__text color--default">Claims resources</a></span></li> <li><span class="list--nobullets"><a data-analytics-name="COBRA coverage and HIPPA guidance" href="/faqs-health-insurance/employers-organizations-general-cobra-hipaa-faqs.html" class="link__text color--default" aria-label="Information about continuation of health coverage, or COBRA, and the Health Insurance Portability and Accountability Act, or HIPPA">COBRA coverage and HIPPA guidance</a></span></li> <li><span class="list--nobullets"><a data-analytics-name="Enrollments, renewals, and quoting" href="/faqs-health-insurance/employers-organizations-enrollment-renewal-premium-rates-quotes-faqs.html" class="link__text color--default">Enrollments, renewals, and quoting</a></span></li> <li><span class="list--nobullets"><a data-analytics-name="Notification of changes, eligibility and network" href="/faqs-health-insurance/employers-organizations-notification-changes-eligibility-provider-network.html" class="link__text color--default">Notification of changes, eligibility and network</a></span></li> <li><span class="list--nobullets"><a data-analytics-name="Pharmacy management" href="/faqs-health-insurance/employers-organizations-pharmacy-management-faqs.html" class="link__text color--default">Pharmacy management</a></span></li> </ul> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div> </div> <div class="separator aem-GridColumn aem-GridColumn--default--12"><span class="keyline tb-margin-small "> </span> </div> <div class="text aem-GridColumn--md--10 aem-GridColumn--default--none aem-GridColumn--offset--xs--0 aem-GridColumn aem-GridColumn--offset--md--1 aem-GridColumn--xs--none aem-GridColumn--offset--default--0 aem-GridColumn--xs--12 aem-GridColumn--default--4 aem-GridColumn--md--none"><div class="rte-component-wraper component--default "> <h2 style="text-align: left;"><span class="title--secondary__big">For health care providers</span></h2> </div> </div> <div class="accordioncore accordion aem-GridColumn--md--10 aem-GridColumn--default--none aem-GridColumn--offset--xs--0 aem-GridColumn aem-GridColumn--offset--md--1 aem-GridColumn--xs--none aem-GridColumn--default--6 aem-GridColumn--xs--12 aem-GridColumn--offset--default--1 aem-GridColumn--md--none"> <div class="accordian no--container component--responsive" data-cmp-is-async="accordion"> <div class="row"> <div class="accordian__main col-12 "> <div class="accordian__wrapper"> <div class="accordian__element " data-cmp-hook-accordion="item"> <div class="accordian__title title--secondary "> <h3 class="accordian__heading-item core"> <button id="link_content_section_responsivegrid_copy__responsivegrid_accordioncore_copy_1996607653_1" class="accordian__button" type="button" aria-controls="1381278462_1_element" aria-expanded="false">Resources for your patients and practice</button> </h3> </div> <div data-cmp-hook-accordion="panel" id="1381278462_1_element" class="accordian__elemcontent core__elemcontent" aria-labelledby="link_content_section_responsivegrid_copy__responsivegrid_accordioncore_copy_1996607653_1"><div class="accordioncontent"><div class="content_wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"><div class="rte-component-wraper component--default "> <ul> <li><span class="list--nobullets"><a data-analytics-name="Clinical policy bulletins" href="/faqs-health-insurance/health-care-professionals-cpb-faqs.html" class="link__text color--default">Clinical policy bulletins</a></span></li> <li><span class="list--nobullets"><a data-analytics-name="Disputes and appeals" href="/faqs-health-insurance/health-care-professionals-dispute-process-faqs.html" class="link__text color--default">Disputes and appeals</a></span></li> <li><span class="list--nobullets"><a data-analytics-name="Joining the Aetna network" href="/faqs-health-insurance/health-care-professionals-join-network.html" class="link__text color--default">Joining the Aetna network</a> </span></li> <li><span class="list--nobullets"><a data-analytics-name="Pharmacy management program" href="/faqs-health-insurance/health-care-professionals-pharmacy-mgt-program-faqs.html" class="link__text color--default">Pharmacy management program</a></span></li> <li><span class="list--nobullets"><a data-analytics-name="Using your NPI in HIPAA standard electronic transactions" href="/faqs-health-insurance/health-care-professionals-NPI-HIPAA-faqs.html" class="link__text color--default" aria-label="Using your National Provider Identification, or NPI, in Health Insurance Portability and Accountability Act, or HIPPA, transactions">Using your NPI in HIPAA standard electronic transactions</a></span></li> <li><span class="list--nobullets"><a data-analytics-name="W9, B Notice and 1099 reporting" href="/faqs-health-insurance/health-care-professionals-b-notice-and-1099-miscellaneous-reporting.html" class="link__text color--default">W9, B Notice and 1099 reporting</a></span></li> </ul> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div> </div> <div class="separator aem-GridColumn aem-GridColumn--default--12"><span class="keyline tb-margin-small "> </span> </div> <div class="text aem-GridColumn--md--10 aem-GridColumn--default--none aem-GridColumn--offset--xs--0 aem-GridColumn aem-GridColumn--offset--md--1 aem-GridColumn--xs--none aem-GridColumn--default--5 aem-GridColumn--offset--default--0 aem-GridColumn--xs--12 aem-GridColumn--md--none"><div class="rte-component-wraper component--default "> <h2 style="text-align: left;"><span class="title--secondary__big">For producers</span></h2> </div> </div> <div class="accordioncore accordion aem-GridColumn--md--10 aem-GridColumn--default--none aem-GridColumn--offset--xs--0 aem-GridColumn aem-GridColumn--offset--md--1 aem-GridColumn--xs--none aem-GridColumn--default--6 aem-GridColumn--offset--default--0 aem-GridColumn--xs--12 aem-GridColumn--md--none"> <div class="accordian no--container component--responsive" data-cmp-is-async="accordion"> <div class="row"> <div class="accordian__main col-12 "> <div class="accordian__wrapper"> <div class="accordian__element " data-cmp-hook-accordion="item"> <div class="accordian__title title--secondary "> <h3 class="accordian__heading-item core"> <button id="link_content_section_responsivegrid_copy__responsivegrid_accordioncore_copy_1" class="accordian__button" type="button" aria-controls="1745227625_1_element" aria-expanded="false">Doing business with us</button> </h3> </div> <div data-cmp-hook-accordion="panel" id="1745227625_1_element" class="accordian__elemcontent core__elemcontent" aria-labelledby="link_content_section_responsivegrid_copy__responsivegrid_accordioncore_copy_1"><div class="accordioncontent"><div class="content_wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"><div class="rte-component-wraper component--default "> <p><a data-analytics-name="Appointment, compensation and quoting" href="/faqs-health-insurance/producer-faqs.html" class="link__text">Appointment, compensation and quoting</a></p> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div> </div> <div class="separator aem-GridColumn aem-GridColumn--default--12"><span class="keyline tb-margin-small "> </span> </div> <div class="text aem-GridColumn--md--10 aem-GridColumn--default--none aem-GridColumn--offset--xs--0 aem-GridColumn aem-GridColumn--offset--md--1 aem-GridColumn--xs--none aem-GridColumn--default--5 aem-GridColumn--offset--default--0 aem-GridColumn--xs--12 aem-GridColumn--md--none"><div class="rte-component-wraper component--default "> <h2 style="text-align: left;"><span class="title--secondary__big">For suppliers</span></h2> </div> </div> <div class="accordioncore accordion aem-GridColumn--md--10 aem-GridColumn--default--none aem-GridColumn--offset--xs--0 aem-GridColumn aem-GridColumn--offset--md--1 aem-GridColumn--xs--none aem-GridColumn--default--6 aem-GridColumn--offset--default--0 aem-GridColumn--xs--12 aem-GridColumn--md--none"> <div class="accordian no--container component--responsive" data-cmp-is-async="accordion"> <div class="row"> <div class="accordian__main col-12 "> <div class="accordian__wrapper"> <div class="accordian__element " data-cmp-hook-accordion="item"> <div class="accordian__title title--secondary "> <h3 class="accordian__heading-item core"> <button id="link_content_section_responsivegrid_copy__responsivegrid_accordioncore_copy_c_1740581872_1" class="accordian__button" type="button" aria-controls="1445703767_1_element" aria-expanded="false">Supporting diversity</button> </h3> </div> <div data-cmp-hook-accordion="panel" id="1445703767_1_element" class="accordian__elemcontent core__elemcontent" aria-labelledby="link_content_section_responsivegrid_copy__responsivegrid_accordioncore_copy_c_1740581872_1"><div class="accordioncontent"><div class="content_wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"><div class="rte-component-wraper component--default "> <p><a data-analytics-name="Supplier diversity program" href="/faqs-health-insurance/about-us-supplier-diversity-faqs.html" class="link__text">Supplier diversity program</a></p> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="experiencefragment"> <div class="cmp-experiencefragment cmp-experiencefragment--Legal-notices-generic"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="disclaimer aem-GridColumn aem-GridColumn--default--12"><div class="cmp-disclaimer component--left" data-cmp-is-async="disclaimer"> <div class="container"> <div class="row"> <div class="col-md-10 disclaimer__parentContainer"> <div class="disclaimer__wrapper option-b"> <div class="row--inner"> <div class="disclaimer__contentwrapper disclaimer__contentwrapper--wide"> <h2 class="title__section">Legal notices</h2> <div class="disclaimer__description"> <div class="rte-component-wraper component--default " data-linklocationGeneral="discoverable"> <p>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).</p> <p>Health benefits and health insurance plans contain exclusions and limitations.<br /> </p> </div> </div> <div class="disclaimer__readmore"> <div class="component__cta"> <div data-cmp-is="cta"> <div class="cta__linkswrapper "> <a class="link__text type__link__text " href="/legal-notices.html" data-modal="Please Select" data-linktype="Regular" target="_self" role="link" data-analytics-name="See all legal notices" data-linklocation="discoverable" data-ctahrefholder="/content/aetna/en/legal-notices.html">See all legal notices</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </main> <div id="brightedge-results" data-brightedge-id="f00000000215684" class="cmp-brightedge-results"> <div class="container"> <p id="brightedge-results-title" class="cmp-brightedge-results-title title--secondary d-none">Also of interest:</span></p> <div id="brightedge-results-wrapper" class="cmp-brightedge-results-wrapper be-ix-link-block"> </div> </div> </div> <footer class="cmp-footer withoutcontactus mlp-footer" data-cmp-is="footer"> <div class="container"> <div class="footer__gradient"></div> <div class="row footer__logo__social__wrapper"> <div class="col-12 logo-container"> <div class="footer__logo default"> <a class="logo__link" href="/" target="_self"> <div class="logo__wrapper"> <img class=" lazyload" data-src="/content/dam/aetna/images/logos/Aetna_Logo_ss_Violet_RGB_Coated.svg" alt="Aetna logo"/> </div> </a> </div> </div> <div class="col-12 icons-container"> <ul data-cmp-is-css="socialshare" class="cmp-socialicon social__wrapper"> <li class="socialitem"> <a class="sociallink sociallink--facebook" href="https://www.facebook.com/aetna" target="_blank" data-modal="Please Select" aria-label="facebook"> <span title="Facebook" class="facebook-icon" role="img"></span> </a> </li> <li class="socialitem"> <a class="sociallink sociallink--instagram" href="https://www.instagram.com/aetna/?hl=en" target="_blank" data-modal="Please Select" aria-label="instagram"> <span title="instagram" class="instagram-icon" role="img"></span> </a> </li> <li class="socialitem"> <a class="sociallink sociallink--linkedin" href="https://www.linkedin.com/company/aetna" target="_blank" data-modal="Please Select" aria-label="linkedin"> <span title="Linkedin" class="linkedin-icon" role="img"></span> </a> </li> <li class="socialitem"> <a class="sociallink sociallink--youtube" href="https://www.youtube.com/aetna" target="_blank" data-modal="Please Select" aria-label="youtube"> <span title="YouTube" class="youtube-icon" role="img"></span> </a> </li> </ul> </div> </div> <div class="row footer__content__wrapper"> <div class="link--cols"> <div class="footer__links footer__links--one"> <div class="rte-component-wraper component--default " data-linklocationGeneral="footer"> <h2>Helpful links</h2> <ul> <li><a data-analytics-name="Contact us" data-linktype="Regular" href="/about-us/contact-aetna.html" class="link__text--footer">Contact us</a></li> <li><a href="/faqs-health-insurance.html" class="link__text--footer" data-analytics-name="FAQs" data-linktype="Regular">FAQs</a></li> <li><a href="/glossary.html" class="link__text--footer" data-analytics-name="Glossary" data-linktype="Regular">Glossary</a></li> <li><a href="/site-map.html" class="link__text--footer" data-analytics-name="Site map">Site map</a></li> </ul> </div> </div> </div> <div class="link--cols"> <div class="footer__links footer__links--one"> <div class="rte-component-wraper component--default " data-linklocationGeneral="footer"> <h2>About Aetna</h2> <ul> <li><a data-use-https="true" href="/about-us.html" class="link__text--footer" data-analytics-name="About us">About us</a></li> <li><a href="https://jobs.cvshealth.com/us/en/aetna" class="link__text--footer" data-analytics-name="Careers">Careers</a></li> <li><a href="https://investors.cvshealth.com/investors/default.aspx" class="link__text--footer" data-analytics-name="For investors">For investors</a></li> <li><a href="https://www.cvshealth.com/news-and-insights" class="link__text--footer" data-analytics-name="News and analysis">News and analysis</a></li> </ul> </div> </div> </div> <div class="link--cols"> <div class="footer__links footer__links--one"> <div class="rte-component-wraper component--default " data-linklocationGeneral="footer"> <h2>Guidance and support</h2> <ul> <li><a href="/accessibility/accessibility-services.html" class="link__text--footer" data-analytics-name="Accessibility services">Accessibility services</a></li> <li><a href="/individuals-families/using-your-aetna-benefits/aetna-mobile.html" class="link__text--footer" data-analytics-name="Aetna apps">Aetna apps</a></li> <li><a href="/individuals-families/member-rights-resources/complaints-grievances-appeals.html" class="link__text--footer" data-analytics-name="Grievance form">Grievance form</a></li> <li><a href="/individuals-families/member-rights-resources/rights/disclosure-information.html" class="link__text--footer" data-analytics-name="Plan disclosures">Plan disclosures</a></li> <li><a href="/legal-notices/program-provisions.html" class="link__text--footer" data-analytics-name="Program provisions">Program provisions</a></li> </ul> </div> </div> </div> <div class="link--cols"> <div class="footer__links footer__links--one"> <div class="rte-component-wraper component--default " data-linklocationGeneral="footer"> <h2>Rights and privacy</h2> <ul> <li><a href="/about-us/fraud-waste-abuse.html" class="link__text--footer" data-analytics-name="Fraud, waste and abuse">Fraud, waste and abuse</a></li> <li><a href="/health-care-reform.html" class="link__text--footer" data-analytics-name="Health care reform">Health care reform</a></li> <li><a href="/legal-notices.html" class="link__text--footer" data-analytics-name="Legal notices" data-linktype="Regular">Legal notices</a></li> <li><a href="/legal-notices/nondiscrimination-notice.html" class="link__text--footer" data-analytics-name="Non-discrimination notice" data-linktype="Regular">Non-discrimination notice</a></li> <li><a href="/legal-notices/privacy.html" class="link__text--footer" data-analytics-name="Privacy center">Privacy center</a></li> <li><a href="/legal-notices/disclaimer.html" class="link__text--footer" data-analytics-name="Terms of use">Terms of use</a></li> <li><a href="https://www.cvshealth.com/vulnerability-disclosure-program" class="link__text--footer" data-analytics-name="Vulnerability disclosure program" data-linktype="Regular" data-modal="Please Select">Vulnerability disclosure program</a></li> </ul> </div> </div> </div> </div> </div> <div class="footer__bottomarea"> <div class="container"> <div class="row footer__copyright"> <div class="col-12 copyright"> <div class="rte-component-wraper component--default " data-linklocationGeneral="discoverable"> <p>©[current-year] Aetna Inc.</p> <p>For language services, please call the number on your member ID card and request an operator. For other language services: <a href="/individuals-families/information-in-other-languages.html#espanol" class="link__text--inline" data-analytics-name="Español-Spanish" data-linktype="Regular" aria-label="Español-Spanish"><span lang="es">Español-Spanish</span></a> | <a href="/individuals-families/information-in-other-languages.html#chinese" lang="zh" class="link__text--inline" data-analytics-name="中文" data-linktype="Regular" aria-label="中文">中文</a> | <a href="/individuals-families/information-in-other-languages.html#vietnamese" class="link__text--inline" data-analytics-name="Tiếng Việt" data-linktype="Regular" aria-label="Tiếng Việt"><span lang="vi">Tiếng Việt</span></a> | <a href="/individuals-families/information-in-other-languages.html#korean" class="link__text--inline" data-analytics-name="한국어" data-linktype="Regular" aria-label="한국어"><span lang="ko">한국어</span></a> | <a href="/individuals-families/information-in-other-languages.html#tagalog" class="link__text--inline" data-analytics-name="Tagalog" data-linktype="Regular" aria-label="Tagalog"><span lang="tl">Tagalog</span></a> | <a href="/individuals-families/information-in-other-languages.html#russian" class="link__text--inline" data-analytics-name="Pусский" data-linktype="Regular" aria-label="Pусский"><span lang="ru">Pусский</span></a> | <a href="/individuals-families/information-in-other-languages.html#arabic" class="link__text--inline" data-analytics-name="العربية" data-linktype="Regular" aria-label="العربية"><span lang="ar">العربية</span></a> | <a href="/individuals-families/information-in-other-languages.html#kreyol" class="link__text--inline" data-analytics-name="Kreyòl" data-linktype="Regular" aria-label="Kreyòl"><span lang="ht">Kreyòl</span></a> | <a href="/individuals-families/information-in-other-languages.html#french" class="link__text--inline" data-analytics-name="Français" data-linktype="Regular" aria-label="Français"><span lang="fr">Français</span></a> | <a href="/individuals-families/information-in-other-languages.html#polish" class="link__text--inline" data-analytics-name="Polski" data-linktype="Regular" aria-label="Polski"><span lang="pl">Polski</span></a> | <a href="/individuals-families/information-in-other-languages.html#portuguese" class="link__text--inline" data-analytics-name="Português" data-linktype="Regular" aria-label="Português"><span lang="pt">Português</span></a> | <a href="/individuals-families/information-in-other-languages.html#italian" class="link__text--inline" data-analytics-name="Italiano" data-linktype="Regular" aria-label="Italiano"><span lang="it">Italiano</span></a> | <a href="/individuals-families/information-in-other-languages.html#german" class="link__text--inline" data-analytics-name="Deutsch" data-linktype="Regular" aria-label="Deutsch"><span lang="de">Deutsch</span></a> | <a href="/individuals-families/information-in-other-languages.html#japanese" class="link__text--inline" data-analytics-name="日本語" data-linktype="Regular" aria-label="日本語"><span lang="ja">日本語</span></a> | <a href="/individuals-families/information-in-other-languages.html#persian" class="link__text--inline" data-analytics-name="فارسی" data-linktype="Regular" aria-label="فارسی"><span lang="fa">فارسی</span></a> | <span><a href="/individuals-families/information-in-other-languages.html" class="link__text--inline" data-analytics-name="Other languages ..." data-linktype="Regular" aria-label="Other languages ...">Other languages ...</a></span></p> </div> </div> </div> </div> </div> </footer> <div class="modal__wrapper"><div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="exit-covid-ama" role="dialog" title="You are now being directed to the AMA site" tabindex="-1" aria-labelledby="modal-heading-1385456612"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-1385456612" class="title__block ">You are now being directed to the AMA site</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p>Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its affiliated companies are not responsible or liable for the content, accuracy or privacy practices of linked sites, or for products or services described on these sites.<br /> </p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">Continue</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="exit-covid-give-an-hour" role="dialog" title="You are now being directed to the Give an Hour site" tabindex="-1" aria-labelledby="modal-heading-99655171"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-99655171" class="title__block ">You are now being directed to the Give an Hour site</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p>Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its affiliated companies are not responsible or liable for the content, accuracy or privacy practices of linked sites, or for products or services described on these sites.<br /> </p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">Continue</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="exit-covid-cvs-pharmacy" role="dialog" title="You are now being directed to the CVS Pharmacy® site" tabindex="-1" aria-labelledby="modal-heading-897354295"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-897354295" class="title__block ">You are now being directed to the CVS Pharmacy® site</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p>Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its affiliated companies are not responsible or liable for the content, accuracy or privacy practices of linked sites, or for products or services described on these sites.<br /> </p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">Continue</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="exit-covid-cdc" role="dialog" title="You are now being directed to the CDC site" tabindex="-1" aria-labelledby="modal-heading-428979305"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-428979305" class="title__block ">You are now being directed to the CDC site</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p>Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its its affiliated companies are not responsible or liable for the content, accuracy or privacy practices of linked sites, or for products or services described on these sites.<br /> </p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">Continue</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="exit-covid-cvs-second" role="dialog" title="Aetna® is proud to be part of the CVS Health family." tabindex="-1" aria-labelledby="modal-heading-1039642893"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-1039642893" class="title__block ">Aetna® is proud to be part of the CVS Health family.</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p>You are now being directed to the CVS Health site.</p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">Continue</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="exit-covid-apple" role="dialog" title="You are now being directed to the Apple.com COVID-19 Screening Tool" tabindex="-1" aria-labelledby="modal-heading-891936468"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-891936468" class="title__block ">You are now being directed to the Apple.com COVID-19 Screening Tool</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p>Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its affiliated companies are not responsible or liable for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites.</p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">Continue</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="exit-covid-us-department" role="dialog" title="You are now being directed to the US Department of Health and Human Services site" tabindex="-1" aria-labelledby="modal-heading-1295651222"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-1295651222" class="title__block ">You are now being directed to the US Department of Health and Human Services site</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p>Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its affiliated companies are not responsible or liable for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites.</p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">Continue</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="exit-covid-cvs" role="dialog" title="You are now being directed to the CVS Health COVID-19 testing site" tabindex="-1" aria-labelledby="modal-heading-1288909072"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-1288909072" class="title__block ">You are now being directed to the CVS Health COVID-19 testing site</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p>Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its affiliated companies are not responsible or liable for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites.</p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">Continue</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="exit-covid-fight" role="dialog" title="You are now being directed to The Fight Is In Us site" tabindex="-1" aria-labelledby="modal-heading-1983032046"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-1983032046" class="title__block ">You are now being directed to The Fight Is In Us site</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p>Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its affiliated companies are not responsible or liable for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites.</p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">Continue</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="exit" role="dialog" title="You are now leaving the Aetna® website" tabindex="-1" aria-labelledby="modal-heading-1916335541"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-1916335541" class="title__block ">You are now leaving the Aetna® website</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p>Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its affiliated companies are not responsible or liable for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites.</p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">Continue</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="log-in-explanation" role="dialog" title="Login" tabindex="-1" aria-labelledby="modal-heading-279866734"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-279866734" class="title__block ">Login</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper "> <p>Please log in to your secure account to get what you need.</p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">Continue</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="medicare-exit" role="dialog" title="You are now leaving the Aetna Medicare website." tabindex="-1" aria-labelledby="modal-heading-1878669365"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-1878669365" class="title__block ">You are now leaving the Aetna Medicare website.</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p> </p> <p>The information you will be accessing is provided by another organization or vendor. If you do not intend to leave our site, close this message.</p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">Continue</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="download__text__modal" role="dialog" title="Get a link to download the app" tabindex="-1" aria-labelledby="modal-heading-1909920377"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-1909920377" class="title__block ">Get a link to download the app</h2> <div class="component__main"> <div class="responsivegrid"> <div> <div class="container "> <div class="row"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"><div class="rte-component-wraper component--default "> <p style="text-align: left;">Just enter your mobile number and we’ll text you a link to download the Aetna Health℠ app from the App Store or on Google Play.<br /> </p> <p style="text-align: left;"> </p> <p style="text-align: left;">Message and data rates may apply*</p> </div> </div> <div class="formcontainer aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <form class="formstyle--fullbox generic-aet-form displaysubmitinline container section sfmform" novalidate="novalidate" method="POST" aria-live="polite" data-thankyoupage="https://www.aetna.com/individuals-families/using-your-aetna-benefits/aetna-mobile/thank-you-aetna-app.html" action="/aem-services/api/gatewayservice/post" data-sfmc-connection="true" data-cmp-is-async="form" data-use-paginationtext="Step {0} of {1}"> <div class="row"> <div class="form__wrapper col-sm-12 col-lg-6 offset-lg-3 no-container--shadow"> <div class="form-body"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--xs--12 "> <div class="input aem-GridColumn--default--none aem-GridColumn--offset--xs--0 aem-GridColumn aem-GridColumn--xs--none aem-GridColumn--default--12 aem-GridColumn--offset--default--0 aem-GridColumn--xs--12"> <div class="forminput generic-form-input responsive-input "> <div class="forminput__wrap"> <label for="mobileNumbers" class="forminput__label ">MOBILE NUMBER   </label> <input id="mobileNumbers" type="text" name="mobileNumbers" data-pattern-error-message="Please enter 11 digits (1 plus your number) without hyphens" pattern="^\d{11}$" aria-describedby="description-mobileNumbers" data-msg-required="Error: MOBILE NUMBER is required"/> <span class="help-text" id="description-mobileNumbers">Please be sure to add a 1 before your mobile number, ex: 19876543210</span> </div> </div> </div> <div class="hiddenfield aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--default--newline aem-GridColumn--offset--default--0"><input type="hidden" name="subscribe" value="true"/> </div> <div class="hiddenfield aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--default--newline aem-GridColumn--offset--default--0"><input type="hidden" name="resubscribe" value="true"/> </div> <div class="hiddenfield aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--default--newline aem-GridColumn--offset--default--0"><input type="hidden" name="keyword" value="NUMBER"/> </div> <div class="hiddenfield aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--default--newline aem-GridColumn--offset--default--0"><input type="hidden" name="butype" value="comm"/> </div> <div class="hiddenfield aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--default--newline aem-GridColumn--offset--default--0"><input type="hidden" name="sfmcAction" value="/sms/v1/messageContact/MTMwNzo3ODow/send"/> </div> </div> </div> <input type="submit" value="Send me a text" class="btn btn--primary"/> </div> </div> </form>  </div> </div> </div> </div> </div> </div> </div> <div class="component__cta "> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="tier-exit" role="dialog" title="This search uses the five-tier version of this plan" tabindex="-1" aria-labelledby="modal-heading-1670204882"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-1670204882" class="title__block ">This search uses the five-tier version of this plan</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default " data-linklocationGeneral="discoverable"> <p> </p> <p>Each main plan type has more than one subtype. Some subtypes have five tiers of coverage. Others have four tiers, three tiers or two tiers. This search will use the five-tier subtype. It will show you whether a drug is covered or not covered, but the tier information may not be the same as it is for your specific plan. Do you want to continue?<br /> </p> <p><a data-analytics-name="back" data-linktype="Regular" href="/individuals-families/find-a-medication/2020-aetna-funding-advantage-small-group-value-plus-plan.html" class="link__text--back" target="_self">back</a></p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">Continue</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="applied-behavior-analysis" role="dialog" title="Applied Behavior Analysis Medical Necessity Guide" tabindex="-1" aria-labelledby="modal-heading-234773723"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-234773723" class="title__block center">Applied Behavior Analysis Medical Necessity Guide</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p><strong>By clicking on “I Accept”, I acknowledge and accept that:<br /> </strong></p> <p>The Applied Behavior Analysis (ABA) Medical Necessity Guide helps determine appropriate (medically necessary) levels and types of care for patients in need of evaluation and treatment for behavioral health conditions. The ABA Medical Necessity Guide does not constitute medical advice. Treating providers are solely responsible for medical advice and treatment of members. Members should discuss any matters related to their coverage or condition with their treating provider.</p> <p>Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan to determine if there are any exclusions or other benefit limitations applicable to this service or supply.</p> <p>The conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna) for a particular member. The member's benefit plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary.</p> <p>Please note also that the ABA Medical Necessity Guide may be updated and are, therefore, subject to change.</p> <p>Medical necessity determinations in connection with coverage decisions are made on a case-by-case basis. In the event that a member disagrees with a coverage determination, member may be eligible for the right to an internal appeal and/or an independent external appeal in accordance with applicable federal or state law.</p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">I Accept</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="exit-cvs-caremark" role="dialog" title="Aetna® is proud to be part of the CVS® family." tabindex="-1" aria-labelledby="modal-heading-28807244"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-28807244" class="title__block ">Aetna® is proud to be part of the CVS® family.</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p>You are now being directed to CVS Caremark<sup>®</sup> site.</p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">Continue</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box modal--blocked " id="asam-modal" role="dialog" title="ASAM Terms and conditions" tabindex="-1" aria-labelledby="modal-heading-1817940071"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-1817940071" class="title__block ">ASAM Terms and conditions</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p>By clicking on “I accept”, I acknowledge and accept that:</p> <p> </p> </div> </div> <div class="text"><div class="rte-component-wraper component--default "> <p>Licensee's use and interpretation of the American Society of Addiction Medicine’s ASAM Criteria for Addictive, Substance-Related, and Co-Occurring Conditions does not imply that the American Society of Addiction Medicine has either participated in or concurs with the disposition of a claim for benefits.</p> <p> </p> <p>This excerpt is provided for use in connection with the review of a claim for benefits and may not be reproduced or used for any other purpose.</p> <p> </p> <p>Copyright 2015 by the American Society of Addiction Medicine. Reprinted with permission. No third party may copy this document in whole or in part in any format or medium without the prior written consent of ASAM.</p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">I accept</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box modal--blocked " id="cpt-modal" role="dialog" title="Precertification lists" tabindex="-1" aria-labelledby="modal-heading-1737369633"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-1737369633" class="title__block ">Precertification lists</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p>By clicking on “I accept”, I acknowledge and accept that:</p> <p> </p> </div> </div> <div class="text"><div class="rte-component-wraper component--default "> <p>Should the following terms and conditions be acceptable to you, please indicate your agreement and acceptance by selecting the button below labeled "I Accept".</p> <p> </p> <ul> <li>The term precertification here means the utilization review process to determine whether the requested service, procedure, prescription drug or medical device meets the company's clinical criteria for coverage. It does not mean precertification as defined by Texas law, as a reliable representation of payment of care or services to fully insured HMO and PPO members.</li> <li>Applies to: Aetna Choice<sup>®</sup> POS, Aetna Choice POS II, Aetna Medicare<sup>℠</sup> Plan (PPO), Aetna Medicare Plan (HMO), all Aetna HealthFund<sup>®</sup> products, Aetna Health Network Only<sup>℠</sup>, Aetna Health Network Option<sup>℠</sup>, Aetna Open Access<sup>®</sup> Elect Choice<sup>®</sup>, Aetna Open Access HMO, Aetna Open Access Managed Choice<sup>®</sup>, Open Access Aetna Select<sup>℠</sup>, Elect Choice, HMO, Managed Choice POS, Open Choice<sup>®</sup>, Quality Point-of-Service<sup>®</sup> (QPOS<sup>®</sup>), and Aetna Select<sup>℠</sup> benefits plans and all products that may include the Aexcel<sup>®</sup>, Choose and Save<sup>℠</sup>, Aetna Performance Network or Savings Plus networks. Not all plans are offered in all service areas.</li> <li>All services deemed "never effective" are excluded from coverage. Aetna defines a service as "never effective" when it is not recognized according to professional standards of safety and effectiveness in the United States for diagnosis, care or treatment. Visit the secure website, available through www.aetna.com, for more information. Click on "Claims," "CPT/HCPCS Coding Tool," "Clinical Policy Code Search."</li> <li>The five character codes included in the Aetna Precertification Code Search Tool are obtained from Current Procedural Terminology (CPT<sup>®</sup>), copyright 2023 by the American Medical Association (AMA). CPT is developed by the AMA as a listing of descriptive terms and five character identifying codes and modifiers for reporting medical services and procedures performed by physicians.</li> <li>The responsibility for the content of Aetna Precertification Code Search Tool is with Aetna and no endorsement by the AMA is intended or should be implied. The AMA disclaims responsibility for any consequences or liability attributable or related to any use, nonuse or interpretation of information contained in Aetna Precertification Code Search Tool. No fee schedules, basic unit values, relative value guides, conversion factors or scales are included in any part of CPT. Any use of CPT outside of Aetna Precertification Code Search Tool should refer to the most Current Procedural Terminology which contains the complete and most current listing of CPT codes and descriptive terms. Applicable FARS/DFARS apply.</li> </ul> <p> </p> <h3><strong>LICENSE FOR USE OF CURRENT PROCEDURAL TERMINOLOGY, FOURTH EDITION ("CPT<sup>®</sup>")</strong></h3> <p> </p> <ul> <li>CPT only Copyright 2023 American Medical Association. All Rights Reserved. CPT is a registered trademark of the American Medical Association. You, your employees and agents are authorized to use CPT only as contained in Aetna Precertification Code Search Tool solely for your own personal use in directly participating in health care programs administered by Aetna, Inc. You acknowledge that AMA holds all copyright, trademark and other rights in CPT. Any use not authorized herein is prohibited, including by way of illustration and not by way of limitation, making copies of CPT for resale and/or license, transferring copies of CPT to any party not bound by this agreement, creating any modified or derivative work of CPT, or making any commercial use of CPT. License to sue CPT for any use not authorized herein must be obtained through the American Medical Association, CPT Intellectual Property Services, 515 N. State Street, Chicago, Illinois 60610. Applications are available at the American Medical Association Web site, www.ama-assn.org/go/cpt.</li> </ul> <p> </p> <h3><strong>U.S. Government Rights</strong></h3> <p> </p> <ul> <li>This product includes CPT which is commercial technical data and/or computer data bases and/or commercial computer software and/or commercial computer software documentation, as applicable which were developed exclusively at private expense by the American Medical Association, 515 North State Street, Chicago, Illinois, 60610. U.S. Government rights to use, modify, reproduce, release, perform, display, or disclose these technical data and/or computer data bases and/or computer software and/or computer software documentation are subject to the limited rights restrictions of DFARS 252.227-7015(b)(2) (June 1995) and/or subject to the restrictions of DFARS 227.7202-1(a) (June 1995) and DFARS 227.7202-3(a) (June 1995), as applicable for U.S. Department of Defense procurements and the limited rights restrictions of FAR 52.227-14 (June 1987) and/or subject to the restricted rights provisions of FAR 52.227-14 (June 1987) and FAR 52.227-19 (June 1987), as applicable, and any applicable agency FAR Supplements, for non-Department of Defense Federal procurements.</li> </ul> <p> </p> <h3><strong>Disclaimer of Warranties and Liabilities.</strong></h3> <p> </p> <ul> <li>CPT is provided "as is" without warranty of any kind, either expressed or implied, including but not limited to the implied warranties of merchantability and fitness for a particular purpose. No fee schedules, basic unit, relative values or related listings are included in CPT. The American Medical Association (AMA) does not directly or indirectly practice medicine or dispense medical services. The responsibility for the content of this product is with Aetna, Inc. and no endorsement by the AMA is intended or implied. The AMA disclaims responsibility for any consequences or liability attributable to or related to any use, non-use, or interpretation of information contained or not contained in this product.</li> <li>This Agreement will terminate upon notice if you violate its terms. The AMA is a third party beneficiary to this Agreement.</li> <li>Should the foregoing terms and conditions be acceptable to you, please indicate your agreement and acceptance by selecting the button labeled "I Accept".</li> <li>The information contained on this website and the products outlined here may not reflect product design or product availability in Arizona. Therefore, Arizona residents, members, employers and brokers must contact Aetna directly or their employers for information regarding Aetna products and services.</li> <li>This information is neither an offer of coverage nor medical advice. It is only a partial, general description of plan or program benefits and does not constitute a contract. In case of a conflict between your plan documents and this information, the plan documents will govern.</li> </ul> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">I accept</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box modal--blocked " id="dcpb-modal" role="dialog" title="Dental clinical policy bulletins" tabindex="-1" aria-labelledby="modal-heading-1767983030"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-1767983030" class="title__block ">Dental clinical policy bulletins</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p>By clicking on “I accept”, I acknowledge and accept that:</p> <p> </p> </div> </div> <div class="text"><div class="rte-component-wraper component--default "> <ul> <li>Aetna Dental Clinical Policy Bulletins (DCPBs) are developed to assist in administering plan benefits and do not constitute dental advice. Treating providers are solely responsible for dental advice and treatment of members. Members should discuss any Dental Clinical Policy Bulletin (DCPB) related to their coverage or condition with their treating provider.</li> <li>While the Dental Clinical Policy Bulletins (DCPBs) are developed to assist in administering plan benefits, they do not constitute a description of plan benefits. The Dental Clinical Policy Bulletins (DCPBs) describe Aetna's current determinations of whether certain services or supplies are medically necessary, based upon a review of available clinical information. Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan to determine if there are any exclusions or other benefit limitations applicable to this service or supply. Aetna's conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna). Your benefits plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary. If there is a discrepancy between this policy and a member's plan of benefits, the benefits plan will govern. In addition, coverage may be mandated by applicable legal requirements of a State or the Federal government.</li> <li>Please note also that Dental Clinical Policy Bulletins (DCPBs) are regularly updated and are therefore subject to change.</li> <li>Since Dental Clinical Policy Bulletins (DCPBs) can be highly technical and are designed to be used by our professional staff in making clinical determinations in connection with coverage decisions, members should review these Bulletins with their providers so they may fully understand our policies.</li> <li>Under certain plans, if more than one service can be used to treat a covered person's dental condition, Aetna may decide to authorize coverage only for a less costly covered service provided that certain terms are met.</li> </ul> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">I accept</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box modal--blocked " id="mcpbs-modal" role="dialog" title="Medical clinical policy bulletins" tabindex="-1" aria-labelledby="modal-heading-1142802819"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-1142802819" class="title__block ">Medical clinical policy bulletins</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p>By clicking on “I accept”, I acknowledge and accept that:</p> <p> </p> </div> </div> <div class="text"><div class="rte-component-wraper component--default " data-linklocationGeneral="discoverable"> <p>Should the following terms and conditions be acceptable to you, please indicate your agreement and acceptance by selecting the button below labeled "I Accept".</p> <p> </p> <ul> <li>Aetna Clinical Policy Bulletins (CPBs) are developed to assist in administering plan benefits and do not constitute medical advice. Treating providers are solely responsible for medical advice and treatment of members. Members should discuss any Clinical Policy Bulletin (CPB) related to their coverage or condition with their treating provider.</li> <li>While the Clinical Policy Bulletins (CPBs) are developed to assist in administering plan benefits, they do not constitute a description of plan benefits. The Clinical Policy Bulletins (CPBs) express Aetna's determination of whether certain services or supplies are medically necessary, experimental, investigational, unproven, or cosmetic. Aetna has reached these conclusions based upon a review of currently available clinical information (including clinical outcome studies in the peer-reviewed published medical literature, regulatory status of the technology, evidence-based guidelines of public health and health research agencies, evidence-based guidelines and positions of leading national health professional organizations, views of physicians practicing in relevant clinical areas, and other relevant factors).</li> <li>Aetna makes no representations and accepts no liability with respect to the content of any external information cited or relied upon in the Clinical Policy Bulletins (CPBs). The discussion, analysis, conclusions and positions reflected in the Clinical Policy Bulletins (CPBs), including any reference to a specific provider, product, process or service by name, trademark, manufacturer, constitute Aetna's opinion and are made without any intent to defame. Aetna expressly reserves the right to revise these conclusions as clinical information changes, and welcomes further relevant information including correction of any factual error.</li> <li>CPBs include references to standard HIPAA compliant code sets to assist with search functions and to facilitate billing and payment for covered services. New and revised codes are added to the CPBs as they are updated. When billing, you must use the most appropriate code as of the effective date of the submission. Unlisted, unspecified and nonspecific codes should be avoided.</li> <li>Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan to determine if there are any exclusions or other benefit limitations applicable to this service or supply. The conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna) for a particular member. The member's benefit plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary. If there is a discrepancy between a Clinical Policy Bulletin (CPB) and a member's plan of benefits, the benefits plan will govern.</li> <li>In addition, coverage may be mandated by applicable legal requirements of a State, the Federal government or CMS for Medicare and Medicaid members. </li> </ul> <p><a href="https://www.cms.gov/Center/special-topic/medicare-coverage-center.html" target="_blank" class="link__text" data-analytics-name="See CMS's Medicare Coverage Center" data-modal="exit" data-linktype="Regular">See CMS's Medicare Coverage Center</a></p> <p> </p> <ul> <li>Please note also that Clinical Policy Bulletins (CPBs) are regularly updated and are therefore subject to change.</li> <li>Since Clinical Policy Bulletins (CPBs) can be highly technical and are designed to be used by our professional staff in making clinical determinations in connection with coverage decisions, members should review these Bulletins with their providers so they may fully understand our policies. Under certain circumstances, your physician may request a peer to peer review if they have a question or wish to discuss a medical necessity precertification determination made by our medical director in accordance with Aetna’s Clinical Policy Bulletin.</li> <li>While Clinical Policy Bulletins (CPBs) define Aetna's clinical policy, medical necessity determinations in connection with coverage decisions are made on a case by case basis. In the event that a member disagrees with a coverage determination, Aetna provides its members with the right to appeal the decision. In addition, a member may have an opportunity for an independent external review of coverage denials based on medical necessity or regarding the experimental and investigational status when the service or supply in question for which the member is financially responsible is $500 or greater. However, applicable state mandates will take precedence with respect to fully insured plans and self-funded non-ERISA (e.g., government, school boards, church) plans.</li> </ul> <p><a href="/individuals-families/member-rights-resources/claims-coverage/aetna-external-review-program.html" target="_self" class="link__text" data-analytics-name="See Aetna's External Review Program" data-modal="Please Select" data-linktype="Regular">See Aetna's External Review Program</a></p> <p> </p> <ul> <li>The five character codes included in the Aetna Clinical Policy Bulletins (CPBs) are obtained from Current Procedural Terminology (CPT®), copyright 2015 by the American Medical Association (AMA). CPT is developed by the AMA as a listing of descriptive terms and five character identifying codes and modifiers for reporting medical services and procedures performed by physicians.</li> <li>The responsibility for the content of Aetna Clinical Policy Bulletins (CPBs) is with Aetna and no endorsement by the AMA is intended or should be implied. The AMA disclaims responsibility for any consequences or liability attributable or related to any use, nonuse or interpretation of information contained in Aetna Clinical Policy Bulletins (CPBs). No fee schedules, basic unit values, relative value guides, conversion factors or scales are included in any part of CPT. Any use of CPT outside of Aetna Clinical Policy Bulletins (CPBs) should refer to the most current Current Procedural Terminology which contains the complete and most current listing of CPT codes and descriptive terms. Applicable FARS/DFARS apply.</li> </ul> <p> </p> <h3>LICENSE FOR USE OF CURRENT PROCEDURAL TERMINOLOGY, FOURTH EDITION ("CPT®")</h3> <p> </p> <p>CPT only copyright 2015 American Medical Association. All Rights Reserved. CPT is a registered trademark of the American Medical Association.</p> <p> </p> <p>You, your employees and agents are authorized to use CPT only as contained in Aetna Clinical Policy Bulletins (CPBs) solely for your own personal use in directly participating in healthcare programs administered by Aetna, Inc. You acknowledge that AMA holds all copyright, trademark and other rights in CPT.</p> <p> </p> <p>Any use not authorized herein is prohibited, including by way of illustration and not by way of limitation, making copies of CPT for resale and/or license, transferring copies of CPT to any party not bound by this agreement, creating any modified or derivative work of CPT, or making any commercial use of CPT. License to use CPT for any use not authorized herein must be obtained through the American Medical Association, CPT Intellectual Property Services, 515 N. State Street, Chicago, Illinois 60610. Applications are available at the American Medical Association Web site, www.ama-assn.org/go/cpt.</p> <p> </p> <p><a href="http://www.ama-assn.org/go/cpt" target="_blank" class="link__text" data-analytics-name="Go to the American Medical Association Web site" data-modal="exit" data-linktype="Regular">Go to the American Medical Association Web site</a></p> <p> </p> <h3><strong>U.S. Government Rights</strong></h3> <p> </p> <p>This product includes CPT which is commercial technical data and/or computer data bases and/or commercial computer software and/or commercial computer software documentation, as applicable which were developed exclusively at private expense by the American Medical Association, 515 North State Street, Chicago, Illinois, 60610. U.S. Government rights to use, modify, reproduce, release, perform, display, or disclose these technical data and/or computer data bases and/or computer software and/or computer software documentation are subject to the limited rights restrictions of DFARS 252.227-7015(b)(2) (June 1995) and/or subject to the restrictions of DFARS 227.7202-1(a) (June 1995) and DFARS 227.7202-3(a) (June 1995), as applicable for U.S. Department of Defense procurements and the limited rights restrictions of FAR 52.227-14 (June 1987) and/or subject to the restricted rights provisions of FAR 52.227-14 (June 1987) and FAR 52.227-19 (June 1987), as applicable, and any applicable agency FAR Supplements, for non-Department of Defense Federal procurements.</p> <p> </p> <h3><strong>Disclaimer of Warranties and Liabilities.</strong></h3> <p> </p> <p>CPT is provided "as is" without warranty of any kind, either expressed or implied, including but not limited to the implied warranties of merchantability and fitness for a particular purpose. No fee schedules, basic unit, relative values or related listings are included in CPT. The American Medical Association (AMA) does not directly or indirectly practice medicine or dispense medical services. The responsibility for the content of this product is with Aetna, Inc. and no endorsement by the AMA is intended or implied. The AMA disclaims responsibility for any consequences or liability attributable to or related to any use, non-use, or interpretation of information contained or not contained in this product.</p> <p> </p> <p>This Agreement will terminate upon notice if you violate its terms. The AMA is a third party beneficiary to this Agreement.</p> <p> </p> <p>Should the foregoing terms and conditions be acceptable to you, please indicate your agreement and acceptance by selecting the button labeled "I Accept".</p> <p> </p> <p>The information contained on this website and the products outlined here may not reflect product design or product availability in Arizona. Therefore, Arizona residents, members, employers and brokers must contact Aetna directly or their employers for information regarding Aetna products and services.</p> <p> </p> <p>This information is neither an offer of coverage nor medical advice. It is only a partial, general description of plan or program benefits and does not constitute a contract. In case of a conflict between your plan documents and this information, the plan documents will govern.</p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">I accept</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="provault-modal" role="dialog" tabindex="-1" aria-labelledby="modal-heading-307478118"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-307478118" class="title__block "></h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <h2><span class="title__block">You are now leaving the Aetna® website.</span></h2> <p> </p> <p>We're working with 3Won to process your request for participation. Please select "Continue to ProVault to begin the contracting and credentialing process.</p> <p> </p> <p>Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its affiliates are not responsible or liable for the content, accuracy or privacy practices of linked sites, or for products or services described on these sites.</p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">Continue to ProVault</a> </div> </div> </div> </div> </div> </div> <div class="interstitial section"><div class="aetna-modal" data-cmp-is="modal"> <div class="modal__box " id="footnote-testing" role="dialog" title="You are now leaving the Aetna® website" tabindex="-1" aria-labelledby="modal-heading-549737117"> <div class="modal__inner"> <button type="button" aria-label="Close" class="modal__close"></button> <div class="modal__content">  <h2 id="modal-heading-549737117" class="title__block ">You are now leaving the Aetna® website</h2> <div class="component__main"> <div class="text"><div class="rte-component-wraper component--default "> <p>Links to various non-Aetna sites are provided for your convenience only. Aetna Inc. and its affiliated companies are not responsible or liable for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites.<br /> </p> <p>Proceed to <a data-analytics-name="Healthcare.gov site" href="https://www.healthcare.gov/" class="link__text--inline" target="_blank">Healthcare.gov site</a></p> </div> </div> </div> <div class="component__cta "> <a href="#" class="modalContinueBtn btn--primary type__btn--primary ">Continue</a> </div> </div> </div> </div> </div> </div> </div> <script> (function () { window.AETH = window.AETH || {}; window.AETH.GlobalVariablesMap = {}; window.AETH.GlobalVariablesMap["tty"] = "<span><strong>(TTY: <a href=\"tel:711\" class=\"link__text--inline\" data-linktype=\"Regular\" data-analytics-name=\"711\"> 711</a>)</strong></span>" window.AETH.GlobalVariablesMap["langAssistPhone"] = "<a href=\"tel:1-866-353-9802\" class=\"link__text--inline\" data-linktype=\"Regular\" data-analytics-name=\"1-866-353-9802\">1-866-353-9802</a>" })(); </script> <div hidden class="d-none"> <span id="opensNewWindow">Opens in a new tab</span> </div>  <script type="text/javascript">_satellite.pageBottom();</script> <div id="content-end"></div> <script type="text/javascript" src="/_Incapsula_Resource?SWJIYLWA=719d34d31c8e3a6e6fffd425f7e032f3&ns=1&cb=1883470476" async></script></body> </html>

CINXE.COM

Health Insurance FAQs | Aetna