Supplemental Health Plans

Supplemental Health Plans Overview

Get the highlights the easy way – review the Aetna Supplemental Health.

The Aetna supplemental health plans help provide an extra layer of financial protection in addition to, not as a replacement for, your medical coverage.

While medical insurance pays providers, the supplemental health plans pay you, the member, for expected — and unexpected — medical events. You decide how to use the cash — for out-of-pocket medical expenses, like your deductible or coinsurance, or for everyday expenses, like your mortgage, rent, food, transportation or childcare.

• Critical Illness Plan

  Get the highlights the easy way - just watch the video!

  The Aetna Critical Illness Plan pays benefits when you are diagnosed with a wide range of specified critical illness, including heart attack, stroke, end stage renal failure and invasive cancer. It also pays partial benefits for ruptured aneurysm, bacterial meningitis, and coronary artery conditions requiring angioplasty or heart valve replacement or repair. The plan also includes benefits for recurrence and subsequent diagnoses. In addition, the plan pays a bone marrow donation surgery benefit (once per lifetime) and includes childhood critical illness diagnoses.

  Rates are based on your current age and on your tobacco/nicotine usage. For more details, including exclusions and limitations, review your benefit summary in the Library on the enrollment website.

  How it works:

  

  Donna enrolled in the Aetna Critical Illness Enhanced Plan option during Annual Enrollment.

  

  

  One month following her coverage effective coverage date, she had a heart attack.

  

  

  She made a Supplement Health Claim online and the plan paid her a $25,000 benefit.

  
  

  Donna was relieved she had the Critical Illness Plan. The benefits helped pay her out-of-pocket medical expenses and her mortgage, allowing her to focus on her recovery.

  Learn more about the Critical Illness plan

• Accident Plan

  Get the highlights the easy way. Just watch the video!

  Accidents happen. And when you least expect it. You can't always prevent an accident. But an Aetna Accident Plan can help you be more financially prepared for what happens next. And if you buy coverage for yourself, you can also buy coverage for your family.

  Accident insurance provides cash benefits for out-of-pocket expenses if you or a covered family member has a covered accidental injury. Coverage includes an extra benefit that's paid for an injury that occurs while playing as a registered member of an organized, non-professional sport.

  Benefits are in addition to medical or any other benefits you may receive and are paid directly to you unless otherwise assigned. Benefits correspond with treatment for accidental injuries, including emergency treatment, hospital stays, physical rehabilitation and therapy, medical exams and other expenses you may face, such as transportation and lodging needs. For more details, including exclusions and limitations, review your benefit summary in the Library on the enrollment website.

  How it works:

  

  Jake signed up for the Aetna Accident Enhanced Plan option.

  

  

  Shortly after his coverage started, he had a wreck on his bicycle and broke his ankle.

  

  

  His plan paid him a $3,130 cash* benefit for his ER visit, X-ray, broken ankle, follow-up care, physical therapy and even his crutches.

  
  

  Jake was glad he had the coverage to help pay for his out-of-pocket medical expenses. He even used some of the money to pay for a new bike.

  ^*Assumes Jake is enrolled in the Enhanced option with two follow-up visits and three physical therapy sessions.

  Learn more about the Accident plan

• Hospital Indemnity Plan

  Get the highlights the easy way – just watch the video!

  Whether it’s unexpected or planned, a hospital stay can create a lot of additional expenses. The Aetna Hospital Indemnity Plan can put cash in your pocket to help.

  The Aetna Hospital Indemnity Plan pays benefits related to an inpatient hospital stay, including an admission benefit, intensive care unit (ICU) benefit and daily stay. Benefits are also paid for inpatient substance abuse, mental illness and rehabilitation stays. Limitations apply to the number of times a benefit is paid during a plan year. For more details, including exclusions and limitations, review your benefit summary in the Library on the enrollment website.

  How it works:

  

  Manuel enrolled in the Aetna Hospital Enhanced Plan option during annual enrollment.

  

  

  A few months after his coverage-effective date, he needed a hip replacement.

  

  

  His plan paid $2,800 in cash benefits for his hospital admission, daily stay and rehabilitation.

  
  

  This is a brief product overview only. The plans have limitations and exclusions that may affect benefits payable. Refer to the plans for complete details, limitations, and exclusions.

  Learn more about the Hospital Indemnity plan

You’re eligible for these plans if

• You’re 16 years of age or older and

• Scheduled to work a minimum of 12 hours per week

You don’t need to be enrolled in a CVS Health medical plan to choose any of these options, and you may cover your dependents.

You have two choices for each of the plans:

• Basic option - a lower-premium option providing a basic level of coverage

• Enhanced option - a higher-premium option providing a higher level of benefits. You’ll also enjoy negotiated group rates and the convenience of payroll deduction

Keep in mind: You can only elect or make changes to supplemental health coverage on the enrollment website during your initial benefits-eligible enrollment period or during annual enrollment, unless you have a qualifying life event. If you don’t take action, you’ll need to wait until the next annual enrollment to elect coverage or make changes to these benefits.

Newly enrolling for coverage? Watch for a welcome letter from Aetna in your mail at home.

Visit the My Aetna Supplemental Member portal

My Aetna Supplemental Member portal gives you an easy way to manage your coverage once enrolled. Register using your Aetna member ID or Social Security number. If you’re enrolled in an Aetna medical plan, you can even access the portal via single sign on from aetna.com once enrolled in a supplemental health plan.

Use the portal to:

• Submit claims online and track status

• Sign up for direct deposit

• View your supplemental benefits and download plan documents

• Email the Aetna supplemental medical plans

• Print claims and portability forms

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