Answers to your questions
Enrolling in a plan
See how easy it is to get coverage with tips to help you shop for ACA plans, qualify for savings and set up your member account.
Yes. Aetna CVS Health sells both on the marketplace plans and off the marketplace plans directly.
On the marketplace plans:
- Are eligible for government subsidies
- Don’t include pediatric dental benefits
Off the marketplace plans:
- Mirror on-exchange plan benefits but aren’t eligible for subsidies
- Include pediatric dental benefits
If you purchase coverage during the Open Enrollment Period after December 15, 2021, your member ID card will be mailed to you the business day after your initial payment is received. The Open Enrollment Period closes on January 15, 2022.
Once your coverage begins, you can access your member ID card by visiting your Aetna® member website at Aetna.com. You can also pull up your member ID card on your phone through our Aetna Health℠ mobile app. You can download Aetna Health from the Google Play Store or the Apple® App Store®.
Once you've enrolled in coverage and made your first payment, you can register on the Aetna member website at Aetna.com. To register, you'll need the member ID number from your member ID card. Please note that you won't be able to log in until January 1, 2022, or when your coverage begins.
Yes. Dependents ages 18 years and older will receive their own member ID cards.
After January 1, 2022, or the date when your health plan coverage begins, you will be able to set up and have access to your online health plan account.
Staying in-network helps you save, so here are steps to find network providers, change your primary care provider and more.
Health care providers and facilities that aren’t included in that network aren’t covered by your plan under most circumstances, except in the case of emergency care provided for an emergency medical condition. The name of your network is included in your plan name. It’s on your member ID card.
Yes. You can visit any MinuteClinic* and CVS HealthHUB* location, anywhere in the United States.
No, you are not limited to CVS Pharmacy® store locations. Members can also enjoy no- or low-cost walk-in clinics, available for most plans*.
Yes! Aetna CVS Health™ plans include a robust, quality network of Aetna® providers with local walk-in care options at CVS Pharmacy® store locations and beyond. Plus, no- or low-cost walk-in clinic visits are available for most plans, including MinuteClinic®*.
*For a complete list of participating walk-in clinic providers and pharmacies, log in to Aetna.com and use our provider search tool. CVS® HealthHUB™ available in select stores. services may vary. Includes select MinuteClinic services. Not all MinuteClinic services are covered. Please consult benefit documents to confirm which services are included. Members enrolled in qualified high-deductible health plans must meet their deductible before receiving covered non-preventative MinuteClinic services at no cost-share. However, such services are covered at negotiated contract rates. This benefit is not available in all states and on indemnity plans.
Using your plan
Learn how you can make the most of your ACA plan with information about wellness programs, plan cost-sharing and special plan discounts.
You can find the status of your deductible — both for an individual and for families — in the Explanation of Benefits section of the Aetna® member website at Aetna.com or on our Aetna Health℠ mobile app. You can download Aetna Health from the Google Play Store or the Apple® App Store®.
Copays don't count toward your deductible.
After you’ve enrolled, we’ll send you information on how to set up your HSA.
Coinsurance begins after you've met your deductible.
It can take up to 24 hours to receive a prior authorization determination for urgent requests and up to 72 hours to receive a prior authorization determination for non-urgent requests.
There are three ways to order a glucometer for members with pharmacy coverage:
- Go to Aetna.com/managingdiabetes, fill out the order form and submit it.
- Download our diabetic supply order form (PDF), fill it out and mail it to the address provided.
- Call our Diabetic Meter Team at 1-844-286-2174 (TTY: 711).
Members without pharmacy coverage can call one of the following vendors:
Yes. With the ExtraCare® Health program members get a 20%* discount on CVS brand health care products. Health and wellness programs are available at CVS HealthHUB** locations.
*Not available in Florida, Georgia and Virginia. See plan documents for details.
**For a complete list of participating pharmacy and walk-in clinic providers, log in to Aetna.com and use our provider search tool. CVS® HealthHUB™ available in select stores. Services may vary.
Paying your bill
You have convenient ways to pay your bill — and you’ll find all the answers about how and when to do it here.
You have a few options. You can pay:
- By phone at 1-844-365-7373
- By check
- At your local CVS Pharmacy® retail location (There is a daily transaction limit of $999.)
If you pay by check, you'll need to include the payment coupon from your monthly billing invoice with your check and mail it to the address provided on your invoice.
The following forms of payment are accepted:
- Direct payment from your bank (ACH)
- Check/money order by phone
- Cash at local CVS Pharmacy retail locations only
Yes. As an ACA individual member, you can make cash, credit and debit card premium payments at any CVS Pharmacy retail location at no extra cost to you.
When you make a payment, just present the barcode printed on your monthly billing invoice. There is a daily transaction limit on payments of $999. Your payment will be posted to your account within 48 hours.
Invoices are produced on the fifth day of each month for the amount due for the following month. The due date is the last day of the current month you received your invoice. For example, you'll receive your July bill on June 5, and it is due the last day of June.
If you’re receiving a tax credit to help pay for your coverage, you have a three-month grace period. This means you have three months to pay your premium due. If you aren’t receiving a tax credit to help pay for your coverage, you have a 31-day grace period to pay your premium due.
Yes, you can pay your premium in advance, including for the full plan year.
Health plans are offered or underwritten or administered by Coventry Health Plan of Florida, Inc., Aetna Health Inc. (Georgia), Aetna Life Insurance Company, Aetna Health of Utah Inc., Aetna Health Inc. (Pennsylvania), or Aetna Health Inc. (Texas) (Aetna). Aetna is part of the CVS Health family of companies.
Aetna®, CVS Pharmacy, Inc. (which owns CVS® HealthHUB™ locations) and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic®-branded walk-in clinics) are part of the CVS Health ® family of companies.
Health benefits and health insurance plans contain exclusions and limitations.
Apple is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google LLC.