Supplemental Health Plans
Supplemental Health Plans Overview
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.
Learn more about all supplemental health plans-
Critical Illness Plan
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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:
Learn more about the Critical Illness plan
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.
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Accident Plan
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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:
Learn more about the Accident plan
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.
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Hospital Indemnity Plan
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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
Who can enroll?
You can sign up for these plans if:
You are 16 or older, and
You are scheduled to work 12 or more hours each week.
All colleagues who meet these rules can enroll. These plans are voluntary, which means you pay for them, not the company.
You don’t need to be in a CVS Health medical plan to join, and you can cover your dependents (your spouse, domestic partner and/or children).
You have two choices for each plan:
Basic – lower cost, basic coverage
Enhanced – higher cost, stronger coverage
All plans offer special rates and payroll deduction to make paying easy.
New critical illness benefit
If your Annual Benefits Base Rate (ABBR) is under $85,000 AND you are also enrolled in a CVS Health medical plan:
You and your eligible dependents will be automatically enrolled in a $5,000 Employer-Paid Aetna Critical Illness Plan, at no cost to you.
Your coverage level will match your medical plan (for example: Employee + Child).
This plan includes a $50 health screening benefit for each covered person.
You can use this once per plan year.
You must submit a claim to receive the $50.
Helpful notes:
You can find your ABBR in Colleague Zone>My apps>Benefits – Your Benefit Coverage>Annual Benefits Base Rate.
The maximum health screening benefit is $50 per covered person per plan year, even if you have more than one test.
Check your Certificate of Coverage for full details.
Your plan year is June 1 through May 31.
Only dependents enrolled in a CVS Health medical plan will receive the $5K critical illness plan and be eligible for the $50 health screening benefit.
Buy-Up options for eligible colleagues
If you get the employer-paid $5K plan, you can choose to add extra critical illness insurance:
Basic Buy-Up: Add $10K for a total of $15K in coverage
Enhanced Buy-Up: Add $25K for a total of $30K in coverage
These Buy-Up plans are employee-paid, and you can cover your dependents.
Critical illness options for all other colleagues
If your ABBR is over $85,000 OR you are not enrolled in a CVS Health medical plan
You can still enroll in voluntary Aetna Critical Illness plans:
Basic Plan: $10,000 of employee-paid coverage
Enhanced Plan: $25,000 of employee-paid coverage
You may also cover your dependents.
Important Things to Remember
You can enroll or make changes:
When you first become eligible for benefits,
During annual enrollment, or
After a qualifying life event (like marriage or birth)
If you don’t make changes during these times, you will need to wait until the next annual enrollment.
New to These Plans?
Watch your mailbox for a welcome letter from Aetna.
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
Contact Aetna Supplemental Health Member Services
Print claims and portability forms
Additional Tools
Mobile App
The My Aetna Supplemental mobile app provides all functionality of the member portal when you’re on-the-go.
Aetna Easy File™
Integrated claims process for members also enrolled in an Aetna medical plan. Not an Aetna medical plan member? No problem. Simply upload your medical bills or take a picture using our mobile app.
Aetna Claims Finder™
We work harder, so you don’t have to. After you file a claim, we check to see if you have another treatment or service for which you could receive a benefit or if the health event qualifies for benefits under any of your other plans.