Aetna CDHP with a national PPO network
This plan provides a fund that pays for care before you do – plus, no referrals
2026 Biweekly rates for zip code
These rates do not apply to all Enrollees. If you are in a special enrollment category, please refer to the FEHB Program website or contact the agency or Tribal Employer which maintains your health benefits enrollment.
| Aetna HealthFund® CDHP | Code | Biweekly Premium |
|---|
How your CDHP works
STEP 1: You get a medical fund
This is the amount you get at the start of the plan year to pay for your health care. You pay nothing for covered services until the medical fund is gone. Any unused amounts roll over from year to year, unless you switch health plans or leave the plan.*
| How much do you get in your medical fund? | Medical Fund | Dental Fund |
|---|---|---|
| Self Only: | $1,000 | $300 |
| Self Plus One or Self and Family: | $2,000 | $600 |
The full fund amount is available on day 1 for you to use!**
STEP 2: You may have a deductible
A deductible is the amount you need to pay out of your pocket for covered services after you've used up all the medical fund for the year.
| What is your deductible amount? | In-network | Out-of-network |
|---|---|---|
| Self Only: | $1,000 | $1,500 |
| Self Plus One or Family: | $2,000 | $3,000 |
STEP 3: You may have coinsurance
Coinsurance is how much the Plan and you pay for health care expenses. It is a shared amount. We pay the larger part. You pay the smaller part.
Coinsurance starts after you have used up the medical fund and met your deductible.
| What is your coinsurance amount? | We pay | You pay |
|---|---|---|
| In network: | 85% | 15% |
| Out of network: | 60% | 40% |
To pay the least out of pocket, use network providers. (Doctors, hospitals and labs are examples of providers.)
CVS Virtual Care - $0 after deductible
You get in-network preventive care at no additional cost to you!
Examples include wellness screenings and exams, dental cleanings and routine eye exams.
If you see network providers for services like these, nothing comes out of your pocket (or the Fund).
Grow the medical fund by up to $100!
Log in to your member website and fill out a health assessment. Then complete one online wellness program to earn $50. You can also earn an additional $50 for completing your biometric screening.
Built-in pharmacy, dental and vision benefits, too
| Type of coverage | What you get |
|---|---|
| Pharmacy |
|
| Dental |
|
| Vision |
|
Why choose Aetna CDHP?
- Large nationwide Aetna PPO Network
- Coverage in network or out — and no referrals needed for covered services
- A medical fund to help you pay for care; any unused dollars roll over to the next plan year
- 24 hour / 7 days a week access to doctors via video with CVS Virtual Care
- Discounts on eyewear, LASIK laser eye surgery, gym memberships, massage, acupuncture, weight-loss programs and more.
*The most you can roll over is $5,000 (Self Only) or $10,000 (Self Plus One or Self and Family).
**If you join after open enrollment season, the amount of the Fund will be prorated.
***A formulary is a list of generic and brand-name drugs your health plan prefers.
†**** For specialty drug information, see the federal plan brochure
††*****If you choose the brand name drug over the generic equivalent, you will owe the corresponding copay plus the difference between the generic and brand name costs.
Aetna and CVS Pharmacy® are part of the CVS Health® family of companies. CVS Virtual Care services are only available in the USA. Limitations may apply based on services and location.
This is a brief description of the features of this Aetna health benefits plan. Before making a decision, please read the Plan's applicable Federal brochure(s). All benefits are subject to the definitions, limitations, and exclusions set forth in the Federal brochure.
Aetna's Drug Guide is subject to change. Information is believed to be accurate as of the production date; however, it is subject to change.