Freedom never felt so good! - Aetna

1 Freedom never felt so good ! open Choice Plan Visit any doctor you want. The choice is all yours. H (8/09). Your plan. Enjoy the Freedom to visit OPTION #1 OPTION #2. any doctor you choose. Visit a network doctor Visit any doctor It's all about getting access You can go to any network doctor without a You can visit any licensed doctor or specialist referral. Network doctors contract with Aetna without a referral. to care, your way. to offer rates that are often much lower than You may have to: their regular fees. This helps you save! Meet an annual deductible. This is usually Your health insurance plan may have an higher than the deductible for services you annual deductible. This is the amount get from a network doctor. you pay each year before the plan begins to pay. Pay the full amount at the time of service. Then, you pay a portion of your doctor's Get approval from Aetna before receiving charges.

2 Certain services. Your network doctor will handle your You may also have to: medical claims. He or she will also get approval from Aetna before providing File your own claims. certain services.* Pay the difference between the amount covered by your plan and the amount charged by your doctor. Your out-of-pocket costs typically are higher when you see an out-of-network doctor. *In Texas, this approval is known as pre-service utilization review and is not veri cation . as de ned by Texas law. In case of emergency, call 911 or your local emergency hotline, or go directly to an emergency care facility. Health insurance plans are underwritten and/or administered by Aetna Life Insurance Company ( Aetna ). Your choice. Finding a doctor is easy! Find one, online With our DocFind online directory, you can look for a doctor by specialty and location. All the information you need is there including maps and directions to the doctor's of ce.

3 You can even look for doctors who speak your language. Check out DocFind on our website at Get a printed directory If you are already an Aetna member, call Member Services at the toll-free number on your ID card. If you are not an Aetna member yet or if you have not received your ID card call 1-888-87- Aetna (1-888-872-3862). Go ahead, take charge of your health! Get your health information when you need it Our services and online tools make it easy for you to get answers to your health care questions. Most importantly, these services are available all day, every day. Aetna Navigator member Plan for Your HealthSM website website This easy-to-use website is available to Visit your secure, members-only website to everyone. It helps you understand your get the health information you need fast! health care needs through all of life's stages, from 20-something through retirement.

4 You can: Go to for Review your plan and bene ts information. more information. Print a summary of your doctor visits, Plan for Your Health is a public education medical tests, prescriptions and other program from Aetna and The Financial activities to share with your doctor. Planning Association. Look up costs for of ce visits, medical InteliHealth website Your doctor. tests, surgeries and more. An interactive site where you can research health, dental and wellness information Your choice. Research prescription drugs and compare from sources you can trust including the cost of brand-name versus generic drugs. doctors from Harvard Medical School! Enroll today! Compare hospitals in your area for certain Informed Health Line diagnoses and procedures to help you Available 24 hours a day, 7 days a week, decide where to get care. the Informed Health Line gives Aetna Access the Healthwise Knowledgebase members a quick, simple way to get for information on thousands of health answers to health related questions topics in English and Spanish.

5 From a trained team of registered nurses. Visit Aetna Navigator today, or take the While only your doctor can diagnose, FREE tour! prescribe or give medical advice, Informed Health Line nurses can offer information If you're already an Aetna member, go to on more than 5,000 health topics. Always and click on Aetna consult your doctor rst with questions or Navigator. Then click on Register Now concerns about your health care needs. and follow the instructions. If you're not yet a member, click on Site Tour.. If you need this material translated into another language, please call Member Services at 1-888-98- Aetna (1-888-982-3862). Si usted necesita este documento en otro idioma, por favor llame a Servicios al Miembro al 1-888-98- Aetna (1-888-982-3862). This material is for information only and is not an offer or invitation to contract. An application must be completed to obtain coverage.

6 Rates and bene ts vary by location. Health insurance plans contain exclusions and limitations. Not all health services are covered. See plan documents for a complete description of bene ts, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and are subject to change. Providers are independent contractors and are not agents of Aetna . Provider participation may change without notice. Aetna does not provide care or guarantee access to health services. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna plans, refer to Policy forms issued in Oklahoma include: GR-23 and/or GR-29/GR-29N.

7 2009 Aetna Inc. H (8/09).