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.
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
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
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.
