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Plans at a glance

All Aetna plan options and key differences are shown below. It’s easy to find out which plans are available in your area, just enter your ZIP code below.

This chart shows Aetna plan options for: HMO Plans, Value Plans, HDHP Plans, CDHP Plans, Aetna Direct and Aetna Medicare Advantage.
Feature	HMO Plans	Value Plans	HDHP Plans	CDHP Plans	Aetna Direct	Aetna Medicare Advantage
Specialist referral?	No (except CA)	No	No	No	No	No
National network?	Yes	Yes	Yes	Yes	Yes	Yes
Out of network coverage?	No	Yes	Yes	Yes	Yes	Yes**
Deductible?	No	Yes, but not for office visits or prescriptions	Yes, but not for preventive care	Yes, but not for preventive care	Waived with Medicare A & B	No
Prescription coverage?	Yes	Yes	Yes	Yes	Yes	Yes
Basic dental and vision?	Yes	No	Yes	Yes	No	No
HSA or fund?	No	No	Yes, HSA	Yes, Fund	Yes, Fund	No
Flat copays for medical care?	Yes*	Yes, office visits	No	No	No	No
Wellness credits	No	Yes	Yes	Yes	No	No
Waived deductible and coinsurance?	No	No	No	No	Yes, when Medicare A and B are primary	Plan has no deductible or coinsurance

*Flat copays for most covered services in the HMO Plans. Certain regions require coinsurance (a percentage of the covered cost) for hospital coverage.
**Out-of-network provider must accept Medicare, please visit the plan page details to search for providers that accept Aetna Medicare Advantage.