Aetna Value Plan
National PPO network, wellness credits, low rates and 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 Value Plan | Code | Biweekly Premium |
|---|
Your 2026 benefits
| Plan Details | What you pay In the network |
What you pay Out of network |
|---|---|---|
| Yearly Deductible | $700 Self Only $1,400 Self Plus One or Family |
$1,400 Self Only $2,800 Self Plus One or Family |
| Preventive Care | $0 (no deductible) | 50% (after deductible) |
| Primary care visit | $25 (no deductible) | 50% (after deductible) |
| Specialist visit | $40 (no deductible) | 50% (after deductible) |
| CVS Virtual Care | General medical: $0(no deductible) | Not covered |
| Maternity | 20% (after deductible) | 50% (after deductible) |
| Prenatal Care | $0 (no deductible) | 50% (after deductible) |
| Hospital Care | 20% (after deductible) | 50% (after deductible) |
| Other services
(Like inpatient and outpatient hospital procedures) |
20% (after deductible) | 50% (after deductible) |
Prescription drug benefits
See Aetnafeds.com/pharmacy for participating pharmacies.| Prescription drugs
(for a 30-day supply at a retail pharmacy) |
What you pay In the network |
What you pay Out of network |
|---|---|---|
| Preferred Generic* | $10 (no deductible) |
50%** |
| Preferred Brand-name*** | 30% up to $600 (no deductible) |
50%** |
| Non-preferred (generic or brand)* | 50% up to $600 (no deductible) |
50%** |
| Preferred specialty drugs**** | 50% up to $600 | 50%** |
| Non-Preferred specialty drugs**** | 50% up to $1,200 (no deductible) |
50%** |
Note: You don’t need to meet a deductible for prescription drugs. Just pay your copay or coinsurance (as noted below).***
90-day supply through mail-order service or CVS Pharmacy®:
$20 preferred generic (PG), 30% preferred brand (PB) $1200 max, 50% non-preferred (NP) (generic or brand) $1200 maximum
You’ll generally pay less for a 3-month supply than for 3 separate 1-month supplies.
Earn Wellness Incentive Credits
- Step 1: Get preventive care like routine physicals, flu shots and biometric screenings.
- Step 2: Earn $50 in wellness credits for each activity (up to $250 for Self Only or $500 for Self Plus One or Family coverage).
- Step 3: Use those credits to pay your deductible or medical coinsurance costs.
Why choose the Aetna Value Plan?
- Large nationwide Aetna PPO Network
- Low monthly premium costs
- Deductible does not apply to office visits or for prescriptions.
- Earn up to $250/self or $500/self plus one and family in wellness credits
- Acupuncture and chiropractic care are covered!
- 24 hours a day / 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
For information about our plans available through the Federal Employees Dental and Vision Insurance Program (FEDVIP), please visit our Dental PPO Plan site or our Aetna Vision™ Preferred site.
*Formulary is a list of generic and brand-name drugs your health plan prefers.
**If you use an out-of-network retail pharmacy, you pay 50 percent of the negotiated rate for all types of drugs, plus any difference between our allowance and the billed amount.
*** Your plan requires the use of generic medication when a generic equivalent exists. 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. Please see the plan brochure for details.
****For specialty drug information, see the federal plan brochure.
Aetna and CVS Pharmacy® are part of the CVS Health® family of companies.
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. CVS Virtual Care services are only available in the USA. Limitations may apply based on services and location.
Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice.
Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. Incentive-based activity awards will only be given for completing select wellness programs as determined by the plan sponsor. DISCOUNT OFFERS ARE NOT INSURANCE. They are not benefits under your insurance plan. You get access to discounts off the regular charge on products and services offered by third-party vendors and providers. Aetna makes no payment to the third parties — you are responsible for the full cost. Check any insurance plan benefits you have before using these discount offers, as those benefits may give you lower costs than these discounts.
Aetna's Drug Guide is subject to change.