Quality health plans & benefits
Healthier living
Financial well-being
Intelligent solutions
Important information about your health benefits
– Connecticut
01.28.325.1-CT A (7/13)
Aetna Health Maintenance Organization (HMO) plans
www.aetna.com
®
Understanding your plan of benefits
Aetna* health benefits plans cover most types of health care from a
doctor or hospital. But they do not cover everything. The plan covers
recommended preventive care and care that you need for medical
reasons. It does not cover services you may just want to have, like
plastic surgery. It also does not cover treatment that is not yet widely
accepted. You should also be aware that some services may have
limits. For example, a plan may allow only one eye exam per year.
Not all of the information in this booklet applies to your
specific plan
Most of the information in this booklet applies to all plans. But some
does not. For example, not all plans have deductibles or prescription
drug benefits. Information about those topics will only apply if the
plan includes those rules.
Where to find information about your specific plan
Your “plan documents” list all the details for the plan you choose.
This includes what’s covered, what’s not covered and what you will
pay for services. Plan document names vary. They may include a
Schedule of Benefits, Certificate of Coverage, Group Agreement,
Group Insurance Certificate, Group Insurance Policy and/or any
riders and updates that come with them.
If you can’t find your plan documents, call Member Services to ask
for a copy. Use the toll-free number on your Aetna ID card.
Getting help
Contact Member Services with questions
Call the toll-free number on your ID card. Or, call 1-800-US-Aetna
(1-800-872-3862) Monday through Friday, 7 a.m. to 7 p.m. ET. You
can also send Member Services an e-mail. Just go to your secure
Aetna Navigator
®
member website at www.aetna.com. Click on
“Contact Us” after you log in.
2
* Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies. Health benefits plans are provided by
Aetna Health Inc.
Table of Contents
Understanding your plan of benefits...........................................2
Getting help...................................................................................2
Contact Member Services with questions........................................2
Search our network for doctors, hospitals and other health
care providers ........................................................................................3
Provider networks improve care while lowering costs......................3
Help for those who speak another language and for the
hearing impaired...................................................................................3
Costs and rules for using your plan..............................................4
What you pay...........................................................................................4
Your costs when you go outside the network................................4
Choose a primary care physician .......................................................4
Referrals: Your PCP may refer you to a specialist....................................4
PCP and referral rules for Ob/Gyns....................................................5
Precertification: Getting approvals for services..............................5
Information about specific benefits.............................................5
Emergency and urgent care and care after office hours..............5
Prescription drug benefit.....................................................................5
Mental health and addiction benefits...............................................6
Transplants and other complex conditions......................................6
Breast reconstruction benefits.............................................................6
Religious exemption...............................................................................7
Knowing what is covered.............................................................7
We check if it’s “medically necessary”...............................................7
We study the latest medical technology........................................7
We post our findings on www.aetna.com.......................................7
We can help when more serious care is recommended..................8
What to do if you disagree with us.............................................9
Complaints, appeals and external review..........................................9
What to do when a dependent child is no longer eligible
for coverage.................................................................................9
Medical Loss Ratios.......................................................................9
Member rights & responsibilities................................................10
Know your rights as a member.........................................................10
Making medical decisions before your procedure.........................10
Learn about our quality management programs...........................10
We protect your privacy.....................................................................10
Anyone can get health care.................................................................10
How we use information about your race, ethnicity and the
language you speak ...........................................................................10
Your rights to enroll later if you decide not to enroll now...........11
Member Services can help you:
•Understand how your plan works or what you will pay
•Get information about how to file a claim
•Get a referral
•Find care outside your area
•File a complaint or appeal
•Get copies of your plan documents
•Connect to behavioral health services (if included in your plan)
•Find specific health information
•Learn more about our Quality Management program
Search our network for doctors, hospitals
and other health care providers
It’s important to know which doctors are in our network. That’s
because some health plans only let you visit doctors, hospitals
and other health care providers if they are in our network. Some
plans allow you to go outside the network. But, you pay less
when you visit doctors in the network.
Here’s how you can find out if your health care provider is in
our network.
•Log in to your secure Aetna Navigator
®
member website at
www.aetna.com. Follow the path to find a doctor and enter
your doctor’s name in the search field.
•Call us at the toll-free number on your Aetna ID card, or call us
at 1-888-87-AETNA (1-888-872-3862).
For up-to-date information about how to find health care
services, please follow the instructions above. If you would like a
printed list of doctors, contact Member Services at the toll-free
number on your Aetna ID card.
Our online directory is more than just a list of doctors’ names
and addresses. It also includes information about:
•Where the physician attended medical school
•Board certification status
•Language spoken
•Gender
You can even get driving directions to the office. If you don’t have
Internet access, call Member Services to ask about this information.
Provider networks improve care while lowering costs
Members who receive care from providers from value-based
arrangements are participating in a network designed to
improve care while lowering costs. These networks may be set
up in different ways, but all include primary care doctors and
specialists. They also typically include at least one hospital.
Like most plans, we usually pay doctors and hospitals on a
fee-for-service basis. This means your doctor or hospital still
gets paid for each visit. However, the value-based network’s
mission is to better coordinate patient care to improve
efficiency, quality and patient satisfaction.
We agree with the network on certain goals,* such as:
•Clinical performance goals – completing enough screenings
for cancer, diabetes and cholesterol
•Cost-efficiency goals – reducing avoidable ER visits, short-term
hospital stays, repetitive tests and the overall cost of care
We pay these value-based networks more when they meet
certain goals. The amount of these payments depends on how
well the network meets their goals. The network may also have
to make payments to us if they fail to meet their goals.
In most of our arrangements we will reward the network
financially for both efficient care and higher quality of care. This
helps encourage savings that are tied to value and better health
outcomes for our members.
Doctors and hospitals that are members of a value-based
(accountable care) network may have their own financial
arrangements through the network itself. Ask your doctor for details.
Choose a doctor the fast and easy way with DocFind
®
. Simply log
on to your secure Aetna Navigator
®
website at www.aetna.com
and select “Find a Doctor, Pharmacy or Facility.” After entering
your search criteria, look for the ACO logo . If you need a
printed directory instead, call the Member Services phone
number on your member ID card.
*The specific goals will vary from network to network.
3
Help for those who speak another language and for the hearing impaired
Do you need help in another language? Member Services can connect you to a special line where you can talk to someone in your own
language. You can also get help with a complaint or appeal.
Language hotline – 1-888-982-3862 (140 languages are available, ask for an interpreter.)
TDD 1-800-628-3323 (hearing impaired only)
Ayuda para las personas que hablan otro idioma y para personas con impedimentos auditivos
¿Necesita ayuda en otro idioma? Los representantes de Servicios al Miembro le pueden conectar a una línea especial donde puede
hablar con alguien en su propio idioma. También puede obtener asistencia de un intérprete para presentar una queja o apelación.
Línea directa – 1-888-982-3862 (Tenemos 140 idiomas disponibles. Debe pedir un intérprete.)
TDD 1-800-628-3323 (sólo para personas con impedimentos auditivos)
A
Costs and rules for using your plan
Your costs when you go outside the network
HMOs are network-only plans. That means, the plan covers
health care services only when provided by a doctor who
participates in the Aetna network. If you receive services from an
out-of-network doctor or other health care provider, you will
have to pay all of the costs for the services. See “Emergency and
urgent care and care after office hours” for more.
Going in network just makes sense.
•We have negotiated discounted rates for you.
•In-network doctors and hospitals won’t bill you for costs above
our rates for covered services.
•You are in great hands with access to quality care from our
national network.
Choose a primary care physician
You can choose any primary care provider who participates in
the Aetna network and who is accepting new patients. If you do
not pick a PCP when required, your benefits may be limited or we
may select a PCP for you. Even if not required, it is still a good
idea to choose a PCP. That’s because a PCP can get to know your
health care needs and help you better manage your health care.
A PCP is the doctor you go to when you need health care. If it’s an
emergency, you don’t have to call your PCP first. This one doctor
can coordinate all your care. Your PCP will perform physical exams,
order tests and screenings and help you when you’re sick. Your
PCP will also refer you to a specialist when needed.
A female member may choose an Ob/Gyn as her PCP. You may
also choose a pediatrician for your child(ren)’s PCP. Your Ob/Gyn
acting as your PCP will provide the same services and follow the
same guidelines as any other PCP. He or she will issue referrals to
other doctors (if your plan requires referrals). He or she will also
get approvals you may need and comply with any treatment
plans you are on. See the sections about referrals and
precertification for more information.
Tell us who you choose to be your PCP
Each member of the family may choose a different PCP from the
Aetna network. Enter the name of the PCP you have chosen on
your enrollment form. Or, call Member Services after you enroll
to tell us your selection. The name of your PCP will appear on
your Aetna ID card. You may change your selected PCP at any
time. If you change your PCP, you will receive a new ID card.
Referrals: Your PCP will refer you to a
specialist when needed
A “referral” is a written request for you to see another doctor.
Some doctors can send the referral right to your specialist for
you. There’s no paper involved!
Talk to your doctor to understand why you need to see a
specialist. And remember to always get the referral before you
receive the care.
Remember these points about referrals:
•You do not need a referral for emergency care.
•If you do not get a referral when required, you may have to pay
the bill yourself.
•Your specialist might recommend treatment or tests that were
not on the original referral. In that case, you may need to get
another referral from your PCP for those services.
•Women can go to an Ob/Gyn without a referral. See “PCP and
referral rules for Ob/Gyns” below.
•Referrals are valid for one year as long as you are still a member
of the plan. Your first visit must be within 90 days of the referral
issue date.
•In network-only plans, you can get a special referral if a network
specialist is not available. You are required to get approval from
us when you get a referral to an out-of-network specialist.
Referrals within physician groups
Some PCPs are part of a larger group of doctors. These PCPs will usually
refer you to another doctor within that same group. If this group cannot
meet your medical needs, you can ask us for a coverage exception to go
outside this group. You may also need to precertify these services. And
you may need permission from the physician group as well.
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What you pay
You will share in the cost of your health care. These are called “out-of-pocket” costs. Your plan documents show the amounts that apply
to your specific plan. Those costs may include:
Copay A set amount (for example, $15) you pay for covered health care service. You usually pay this when you get the service.
The amount can vary by the type of service. For example, you may pay a different amount to see a specialist than you
would pay to see your family doctor
Other copays may apply at the same time:
Inpatient Hospital
Copay
This copay applies when you are a patient in a hospital.
Emergency Room Copay This is the amount you pay when you go to the emergency room. If you are admitted to the
hospital within 24 hours, you won’t have to pay it.
Coinsurance Your share of the costs for a covered service. This is usually a percent (for example, 20%) of the allowed amount for the
service.Forexample,ifthehealthplan’sallowedamountforanocevisitis$100andyou’vemetyourdeductible,your
coinsurance payment of 20% would be $20. The health plan pays the rest of the allowed amount.
Deductible The amount you owe for health care services before your health plan begins to pay. For example, if your deductible is
$1,000,youhavetopaytherst$1,000forcoveredservicesbeforetheplanbeginstopay.Youmaynothavetopayfor
some services.
PCP and referral rules for obstetricians and
gynecologists (Ob/Gyn)
A female member can choose an Ob/Gyn as her PCP. Women can
also go to any Ob/Gyn who participates in the Aetna network
without a referral or prior authorization. Visits can be for:
•Checkups, including breast exam
•Mammogram
•Pap smear
•Obstetric or gynecologic problems
Also, an Ob/Gyn can give referrals for covered obstetric or
gynecologic services just like a PCP. Just follow your plan’s normal
rules. Your Ob/Gyn might be part of a larger physician’s group. If
so, any referral will be to a specialist in that larger group. Check
with the Ob/Gyn to see if the group has different referral policies.
Precertification: Getting approvals for services
Sometimes we will pay for care only if we have given an approval
before you get it. We call that “precertification.” You usually only
need precertification for more serious care like surgery or being
admitted to a hospital. When you get care from a doctor in the
Aetna network, your doctor gets precertification from us. But if
you get your care outside our network, you must call us for
precertification when that’s required.
Your plan documents list all the services that require you to get
precertification. If you don’t, you will have to pay for all or a larger
share of the cost for the service. Even with precertification, you
will usually pay more when you use out-of-network doctors.
Call the number shown on your Aetna ID card to begin the process.
You must get the precertification before you receive the care.
You do not have to get precertification for emergency services.
What we look for when reviewing a request
First, we check to see that you are still a member. And we make
sure the service is considered medically necessary for your
condition. We also make sure the service and place requested to
perform the service are cost effective. We may suggest a different
treatment or place of service that is just as effective but costs less.
We also look to see if you qualify for one of our case management
programs. If so, one of our nurses may contact you.
Precertification does not verify if you have reached any plan
dollar limits or visit maximums for the service requested. So,
even if you get approval, the service may not be covered.
Information about specific benefits
Emergency and urgent care and care after
office hours
An emergency medical condition means your symptoms are
sudden and severe. If you don’t get help right away, an average
person with average medical knowledge will expect that you
could die or risk your health. For a pregnant woman, that
includes her unborn child.
Emergency care is covered anytime, anywhere in the world. If
you need emergency care, follow these guidelines:
•Call 911 or go to the nearest emergency room. If you have time,
call your doctor or PCP.
•Tell your doctor or PCP as soon as possible afterward. A friend
or family member may call on your behalf.
•You do not have to get approval for emergency services.
How we cover out-of-network emergency care
You are covered for emergency and urgently needed care. You
have this coverage while you are traveling or if you are near your
home. That includes students who are away at school. When you
need care right away, go to any doctor, walk-in clinic, urgent care
center or emergency room. We’ll review the information when
the claim comes in. If we think the situation was not urgent, we
might ask you for more information and may send you a form to
fill out. Please complete the form, or call Member Services to
give us the information over the phone.
Follow-up care for plans that require a PCP
If you use a PCP to coordinate your health care, your PCP should
also coordinate all follow-up care after your emergency. For
example, you’ll need a doctor to remove stitches or a cast or take
another set of X-rays to see if you’ve healed. Your PCP should
coordinate all follow-up care. You will need a referral for
follow-up care that is not performed by your PCP. You may also
need to get approval if you go outside the network.
After-hours care – available 24/7
Call your doctor when you have medical questions or concerns.
Your doctor should have an answering service if you call after the
office closes. You can also go to an urgent care center, which
may have limited hours. To find a center near you, log in to
www.aetna.com and search our list of doctors and other health
care providers. Check your plan documents to see how much
you must pay for urgent care services.
Prescription drug benefit
Check your plan documents to see if your plan includes
prescription drug benefits.
Some plans encourage generic drugs over brand-name drugs
A generic drug is the same as a brand-name drug in dose, use
and form. They are FDA approved and safe to use. Generic drugs
usually sell for less; so many plans give you incentives to use
generics. That doesn’t mean you can’t use a brand-name drug,
but you’ll pay more for it. You’ll pay your normal share of the
cost, and you’ll also pay the difference in the two prices.
We may also encourage you to use certain drugs
Some plans encourage you to buy certain prescription drugs
over others. The plan may even pay a larger share for those
drugs. We list those drugs in the Aetna Preferred Drug Guide
(also known as a “drug formulary”). This list shows which
prescription drugs are covered on a preferred basis. It also
explains how we choose medications to be on the list.
When you get a drug that is not on the preferred drug list, your
share of the cost will usually be more. Check your plan
documents to see how much you will pay. You can use those
drugs if your plan has an “open formulary,” but you’ll pay the
highest copay under the plan. If your plan has a “closed
formulary,” those drugs are not covered.
5
Drug company rebates
Drug companies may give us rebates when our members buy
certain drugs. We may share those rebates with your employer.
Rebates usually apply to drugs on the preferred drug list. They
may also apply to drugs not on the list. In plans where you pay a
percent of the cost, your share of the cost is based on the price
of the drug before Aetna receives any rebate. Sometimes, in
plans where you pay a percent of the cost instead of a flat dollar
amount, you may pay more for a drug on the preferred drug list
than for a drug not on the list.
Mail-order and specialty-drug services from
Aetna-owned pharmacies
Mail-order and specialty drug services are from pharmacies that
Aetna owns. These pharmacies are called Aetna Rx Home Delivery
and Aetna Specialty Pharmacy, which are for-profit pharmacies.
You might not have to stick to the list
Sometimes your doctor might recommend a drug that’s not on
the preferred drug list. If it is medically necessary for you to use
that drug, you, someone helping you or your doctor can ask us to
make an exception. Your pharmacist can also ask for an
exception for antibiotics and pain medicines. Check your plan
documents for details.
You may have to try one drug before you can try another
Step therapy means you have to try one or more drugs before a
“step-therapy” drug will be covered. The preferred drug list
includes step-therapy drugs. Your doctor might want you to skip
one of these drugs for medical reasons. If so, you, someone helping
you or your doctor can ask for a medical exception. Your pharmacist
can also ask for an exception for antibiotics and pain medicines.
Some drugs are not covered at all
Prescription drug plans do not cover drugs that don’t need a
prescription. Your plan documents might also list specific drugs that
are not covered. You cannot get a medical exception for these drugs.
New drugs may not be covered
Your plan may not cover drugs that we haven’t reviewed yet. You,
someone helping you or your doctor may have to get our
approval to use one of these new drugs.
Get a copy of the preferred drug list
You can find the Aetna Preferred Drug Guide on our website at
www.aetna.com/formulary/. You can also ask for a printed
copy by calling the toll-free number on your Aetna ID card. We
are constantly adding new drugs to the list. Look online or call
Member Services for the latest updates.
Mental health and addiction benefits
You must use therapists and other mental health professionals who
are in the Aetna network. Here’s how to get mental health services:
•Call 911 if it’s an emergency.
•Call the toll-free Behavioral Health number on your Aetna ID card.
•Call Member Services if no other number is listed.
•Employee Assistance Program (EAP) professionals can also
help you find a mental health specialist.
Get information about using network therapists
We want you to feel good about using the Aetna network for
mental health services. Visit www.aetna.com/docfind and click
the “Get info on Patient Safety and Quality” link. No Internet?
Call Member Services instead. Use the toll-free number on your
Aetna ID card to ask for a printed copy.
Mental health programs to help prevent depression
Aetna Behavioral Health offers two prevention programs for
our members:
•Beginning Right
®
Depression Program: Perinatal Depression
Education, Screening and Treatment Referral and
•SASDA: Identification and Referral of Substance Abuse Screening
for Adolescents with Depression and/or Anxiety Prevention
Call Member Services for more information on either of these
prevention programs. Ask for the phone number of your local
Care Management Center.
Transplants and other complex conditions
Our National Medical Excellence Program
®
(NME) is for members
who need a transplant or have a condition that can only be
treated at a certain hospital. You may need to visit an Aetna
Institutes of Excellence
TM
hospital to get coverage for the
treatment. Some plans won’t cover the service if you don’t. We
choose hospitals for the NME program based on their expertise
and experience with these services. We also follow any state
rules when choosing these hospitals.
Breast reconstruction benefits
Notice regarding Women’s Health and Cancer Rights Act of 1998
Coverage will be provided to a person who is receiving benefits
in connection with a mastectomy and who elects breast
reconstruction in connection with the mastectomy for:
•All stages of reconstruction of the breast on which a
mastectomy has been performed
•Surgery and reconstruction of the other breast to produce a
symmetrical appearance
•Prostheses
•Treatment of physical complications of all stages of
mastectomy, including lymph edemas
6
Have questions? Get answers.
Ask your doctor about specific medications. Call the number on
your Aetna ID card to ask about how your plan pays for them. Your
plan documents also spell out what’s covered and what is not.
We will talk to you and your doctor about these rules when we
provide the coverage. We will also follow your plan design. For
example, the following may apply to your breast reconstruction
benefits as outlined in your plan design:
•Limitations
•Copays
•Deductibles
•Referral requirements
If you have any questions about this coverage, please contact
the Member Services number on your ID card.
Also, you can visit the following websites for more information:
U.S. Department of Health and Human Services – http://cciio.
cms.gov/programs/protections/WHCRA/whcra_factsheet.html
U.S. Department of Labor – www.dol.gov/ebsa/consumer_
info_health.html
Religious Exemption
As permitted under Connecticut law, an insurer may issue to a
religious employer, a policy that excludes coverage for infertility
treatment that is contrary to the religious employer’s beliefs.
Some of these treatments may include:
•Ovulation induction (OI)
•Intrauterine insemination
•In-vitro fertilization (IVF)
•Embryo transfer
•Gamete intra-fallopian transfer (GIFT)
•Zygote intra-fallopian transfer (ZIFT)
•Low tubal ovum transfer
•Uterine embryo lavage
Please refer to your plan administrator for specifics regarding
your benefits.
Knowing what is covered
Here are some of the ways we determine what is covered:
We check if it’s “medically necessary”
Medical necessity is more than being ordered by a doctor.
“Medically necessary” means your doctor ordered a product or
service for an important medical reason. It might be to help
prevent a disease or condition. Or to check if you have one. Or it
might be to treat an injury or illness.
The product or service:
•Must meet a normal standard for doctors
•Must be the right type in the right amount for the right length
of time and for the right body part
•Must be known to help the particular symptom
•Cannot be for the member’s or the doctor’s convenience
•Cannot cost more than another service or product that is just
as effective
Only medical professionals can decide if a treatment or service is not
medically necessary. We do not reward Aetna employees for denying
coverage. Sometimes a physician’s group will determine medical
necessity. Those groups might use different resources than we do.
If we deny coverage, we’ll send you and your doctor a letter. The
letter will explain how to appeal the denial. You have the same
right to appeal if a physician’s group denied coverage. You can call
Member Services to ask for a free copy of the materials we use to
make coverage decisions. Or visit www.aetna.com/about/cov_
det_policies.html to read our policies. Doctors can write or call
our Patient Management department with questions. Contact
Member Services either online or at the phone number on your
Aetna ID card for the appropriate address and phone number.
We study the latest medical technology
We look at scientific evidence published in medical journals to
help us decide what is medically necessary. This is the same
information doctors use. We also make sure the product or
service is in line with how doctors, who usually treat the illness or
injury, use it. Our doctors may use nationally recognized
resources like MCG (formerly Milliman Care Guidelines).
We also review the latest medical technology, including drugs,
equipment and mental health treatments. Plus, we look at new
ways to use old technologies. To make decisions, we may:
•Read medical journals to see the research. We want to know
how safe and effective it is.
•See what other medical and government groups say about it. That
includes the federal Agency for Health Care Research and Quality.
•Ask experts.
•Check how often and how successfully it has been used.
We publish our decisions in our Clinical Policy Bulletins.
We post our findings on www.aetna.com
We write a report about a product or service after we decide if it is
medically necessary. We call the report a Clinical Policy Bulletin (CPB).
CPBs help us decide whether to approve a coverage request.
Your plan may not cover everything our CPBs say is medically
necessary. Each plan is different, so check your plan documents.
CPBs are not meant to advise you or your doctor on your care.
Only your doctor can give you advice and treatment. Talk to your
doctor about any CPB related to your coverage or condition.
You and your doctor can read our CPBs on our website at
www.aetna.com. You can find them under “Individuals & Families.”
No Internet? Call Member Services at the toll-free number on your ID
card. Ask for a copy of a CPB for any product or service.
Avoid unexpected bills. Check
your plan documents to see
what’s covered before you get
health care. Can’t find your plan
documents? Call Member
Services to ask a specific question
or have a copy mailed to you.
7
We can help when more serious care is
recommended
We may review a request for coverage to be sure the service is in
line with recognized guidelines. Then we follow up. We call this
“utilization management review.”
It’s a three step process:
First, we begin this process if your hospital stay lasts longer than
what was approved. We make sure it is necessary for you to be in
the hospital. We look at the level and quality of care you are getting.
Second, we begin planning your discharge. This process can
begin at any time. We look to see if you may benefit from any of
our programs. We might have a nurse case manager follow your
progress. Or we might recommend that you try a wellness
program after you’re home.
Third, we may review your case after your discharge. We may
look over your medical records and claims from your doctors and
the hospital. We look to see that you got appropriate care. We
also look for waste or unnecessary costs.
We follow specific rules to help us make your health a top concern:
•We do not reward Aetna employees for denying coverage.
•We do not encourage denials of coverage. In fact, we train staff
to focus on the risks of members not getting proper care.
Where such use is appropriate, our staff uses nationally
recognized guidelines and resources, such as MCG (formerly
Milliman Care Guidelines) to review claims. Physician’s groups,
such as independent practice associations, may use other
resources they deem appropriate.
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What to do if you disagree with us
Complaints, appeals and external review
Please tell us if you are not satisfied with a response you received
from us or with how we do business.
Call Member Services to file a verbal complaint or to ask for
the address to mail a written complaint. The phone number is
on your Aetna ID card. You can also e-mail Member Services
through the secure member website.
If you’re not satisfied after talking to a Member Services representative,
you can ask us to send your issue to the appropriate department.
If you don’t agree with a denied claim, you can file an appeal.
To file an appeal, follow the directions in the letter or explanation
of benefits statement that explains that your claim was denied.
The letter also tells you what we need from you and how soon we
will respond.
Get a review from someone outside Aetna
Connecticut External Review – After you have exhausted the
Aetna internal appeal process described above, you or a provider
acting on your behalf and with your consent have the right to appeal
to the Connecticut Insurance Department if we have denied coverage
because the services are not medically necessary, experimental or
investigational, cosmetic or custodial under the terms of your plan.
Your appeal to the Insurance Department would have to be filed
within 60 days after you receive notice of a final determination from
Aetna. In an emergency or life-threatening situation, you or a
provider acting on your behalf and with your consent may make a
request to the Connecticut Insurance Department for an expedited
external appeal without exhausting our internal appeal process.
Aetna External Review – As an alternative, you can ask Aetna to
coordinate an outside review if you’re not satisfied after going
through our internal appeals process. Follow the instructions on
our response to your appeal. Call Member Services to ask for an
External Review Form or log in to www.aetna.com/
individuals-families-health-insurance/member-guidelines/
ext_review.html.
If your case qualifies, an Independent Review Organization (IRO) will
assign your case to an outside expert. The expert will be a doctor or
other professional who specializes in that area or type of appeal.
You should have a decision within 45 calendar days of the request.
We will follow the outside reviewer’s decision. We will also pay
the cost of the review.
A “rush” review may be possible
If your doctor thinks you cannot wait 45 days, ask for an
“expedited review.” That means we will make our decision as
soon as possible.
What to do when a dependent child is no
longer eligible for coverage
Connecticut law allows special provisions for dependent children
who are no longer eligible for coverage due to any of the
following reasons:
•The child marries
•Ceases to be a resident of the state (does not apply to a
dependent child under age 19 or a full-time student attending
an accredited institution of higher education)
•Becomes covered under a group health plan through the
dependent’s own employment
•Attains the age of 26
If a child dependent’s coverage is terminated, there is an option
under the plan to continue the child’s coverage for the longer of:
1. The end of the month following the month in which the
child attains the limiting age, or
2. For the period set forth in COBRA/state continuation
Since most often the period for COBRA/state continuation (option
2) will be the longer of the two periods, we will process the
termination of the dependent child’s coverage effective at the end
of the month in which the dependent child’s coverage termination
event occurred. COBRA/state continuation will begin thereafter.
However, if you choose to elect option (1) as described above,
you must notify your employer. Your employer will then notify us
so that we can process your election appropriately. Please note:
If you elect option (1), COBRA/state continuation will not be
available at the end of that period.
The options and procedures described above also apply to
an employee’s spouse upon divorce, court ordered
annulment or separation.
If your dependent child is handicapped on the date coverage
would otherwise terminate, he/she may be able to continue
coverage if you provide documentation of this status within 31
days of the date on which the child’s coverage would have
terminated in the absence of the handicap.
You can get the forms you need to continue coverage by calling
Member Services at the toll-free number on your member ID card.
Complete and return the forms within 31 days of the date on
which the child’s coverage would have terminated in the absence
of the handicap in order to continue coverage; otherwise, your
dependent’s coverage will end as described above.
If your dependent is not handicapped and you would like
information on continuing coverage for him or her within our
service area, please contact your benefits administrator.
Medical Loss Ratios
The medical loss ratio is the ratio of incurred claims to earned
premium for the prior calendar year for managed care plans
issued in Connecticut. It includes claims for medical expenses for
services and supplies provided to enrollees. It does not include
expenses for stop loss, reinsurance, enrollee educational
programs or other cost containment programs or features.
Aetna Health Inc.
For Medical 87.5%
Dental Standalone 101.74%
Aetna Life Insurance Company (ALIC)
For Aetna Life Insurance Company Medical 82.75%
Dental Standalone 79.7%
Member rights & responsibilities
Know your rights as a member
You have many legal rights as a member of a health plan. You
also have many responsibilities. You have the right to suggest
changes in our policies and procedures. This includes our
Member Rights and Responsibilities.
Some of your rights are below. We also publish a list of rights and
responsibilities on our website. Visit www.aetna.com. Click on
“Rights & Resources” on the home page to view the list. You can
also call Member Services at the number on your ID card to ask
for a printed copy.
Making medical decisions before your
procedure
An “advanced directive” tells your family and doctors what to do when
you can’t tell them yourself. You don’t need an advanced directive to
receive care. But you have the right to create one. Hospitals may ask if
you have an advanced directive when you are admitted.
There are three types of advanced directives:
•Durable power of attorney – names the person you want to
make medical decisions for you
•Living will – spells out the type and extent of care you want
to receive
•Do-not-resuscitate order – states that you don’t want CPR if
your heart stops or a breathing tube if you stop breathing
You can create an advanced directive in several ways:
•Ask your doctor for an advanced directive form.
•Pick up a form at state or local offices on aging, bar associations,
legal service programs or your local health department.
•Work with a lawyer to write an advanced directive.
•Create an advanced directive using computer software
designed for this purpose.
Source: American Academy of Family Physicians. Advanced Directives and
Do Not Resuscitate Orders. January 2012. Available at http://familydoctor.
org/familydoctor/en/healthcare-management/end-of-life-issues/
advance-directives-and-do-not-resuscitate-orders.html. Accessed
April 2, 2013.
Learn about our quality management programs
We make sure your doctor provides quality care for you and your
family. To learn more about these programs, go to our website at
www.aetna.com. Enter “commitment to quality” in the search
bar. You can also call Member Services to ask for a printed copy.
See “Contact Member Services with questions” on page 2.
We protect your privacy
We consider personal information to be private. Our policies
protect your personal information from unlawful use. By
“personal information,” we mean:
•Information about your physical or mental health
•Information about the health care you receive
•Information about what your health care costs
Personal information does not include what is available to the
public. For example, anyone can access information about what the
plan covers. It also does not include reports that do not identify you.
Summary of the Aetna Privacy Policy
When necessary for your care or treatment, the operation of our
health plans, or other related activities, we use personal information
within our company, share it with our affiliates, and may disclose it to:
•Your doctors, dentists, pharmacies, hospitals and other caregivers
•Those who pay for your health care services. That can include
health care provider organizations and employers who fund
their own health plans or who share the costs
•Other insurers
•Vendors
•Government authorities
•Third party administrators
These parties are required to keep your information private as
required by law.
Some of the ways in which we may use your information include:
•Paying claims
•Making decisions about what the plan covers
•Coordination of payments with other insurers
•Quality assessment
•Activities to improve our plans
•Audits
We consider these activities key for the operation of our health
plans. If allowed by law, we usually will not ask if it’s okay to use your
information. However, we will ask for your permission to use your
information for marketing purposes. We have policies in place if you
are unable to give us permission to use your information. We are
required to give you access to your information. You may also
request corrections to your personal information. We must fulfill
your requests within a reasonable amount of time.
If you’d like a copy of our privacy policy, call the toll-free number
on your ID card or visit us at www.aetna.com.
Anyone can get health care
We do not consider your race, disability, religion, sex, sexual orientation,
health, ethnicity, creed, age or national origin when giving you access to
care. Network providers are legally required to the same.
We must comply with these laws:
•Title VI of the Civil Rights Act of 1964
•Age Discrimination Act of 1975
•Americans with Disabilities Act
•Laws that apply to those who receive federal funds
•All other laws that protect your rights to receive health care
How we use information about your race,
ethnicity and the language you speak
You choose if you want to tell us your race/ethnicity and
preferred language. We’ll keep that information private. We use
it to help us improve your access to health care. We also use it to
help serve you better. See “We protect your privacy” to learn
more about how we use and protect your private information.
See also “Anyone can get health care.”
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Your rights to enroll later if you decide not to
enroll now
When you lose your other coverage
You might choose not to enroll now because you already have health
insurance. You may be able to enroll later if you lose that other
coverage or if your employer stops contributing to the cost. This
includes enrolling your spouse or children and other dependents. If
that happens, you must apply within 31 days after your coverage ends
(or after the employer stops contributing to the other coverage).
Getting proof that you had previous coverage
We may ask for proof that you had previous coverage when you
apply. Other insurers may do the same. This helps determine if
you are eligible for the plan. Your plan sponsor may have
contracted with us to issue a certificate. Ask us for a Certificate
of Prior Health Coverage anytime you want to check the status
of your coverage. If you lost your coverage, you have 24 months
to make this request. Just call Member Services at the toll-free
number on your ID card.
When you have a new dependent
Getting married? Having a baby? A new dependent changes
everything. And you can change your mind. You can enroll within
31 days after a life event if you chose not to enroll during the
normal open enrollment period. Life events include:
•Marriage
•Birth
•Adoption
•Placement for adoption
Talk to your benefits administrator for more information or to
request special enrollment.
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Aetna is committed to Accreditation by the National Committee for Quality Assurance (NCQA) as a means of demonstrating a commitment to continuous
quality improvement and meeting customer expectations. A complete listing of health plans and their NCQA status can be found on the NCQA website located
at reportcard.ncqa.org.
To refine your search, we suggest you search these areas: Managed Behavioral Healthcare Organizations – for behavioral health accreditation; Credentials
Verification Organizations – for credentialing certification; Health Insurance Plans – for HMO and PPO health plans; Physician and Physician Practices – for
physicians recognized by NCQA in the areas of heart/stroke care, diabetes care, back pain and medical home. Providers who have been duly recognized by the
NCQA Recognition Programs are annotated in the provider listings section of the Aetna provider directory.
Providers, in all settings, achieve recognition by submitting data that demonstrates they are providing quality care. The program constantly assesses key
measures that were carefully defined and tested for their relationship to improved care; therefore, NCQA provider recognition is 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. For up-to-date information, please visit our DocFind
®
directory at www.aetna.com or, if
applicable, visit the NCQA’s new top-level recognition listing at recognition.ncqa.org.
If you need this material translated into another language, please call Member Services at 1-800-323-9930.
Si usted necesita este material en otro lenguaje, por favor llame a Servicios al Miembro al 1-800-323-9930.
www.aetna.com
©2013 Aetna Inc.
01.28.325.1-CT A (7/13)
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