Medical Plans

E*TRADE offers you two medical plans from Aetna, which provide comprehensive coverage and high-quality care. Your cost for coverage depends on the plan you elect and the family members you choose to enroll.

Plan Comparison

Following are side-by side comparisons of the two plans. For more complete information, visit the Knowledge Base Inquiry Self Service (KBISS) section of My HR.

Deductibles, Maximums, and Requirements


Aetna High Deductible Consumer Plan
In-Network
Aetna High Deductible Consumer Plan
Out-Of-Network
Aetna Choice POS II Plan
In-Network
Aetna Choice POS II Plan
Out-Of-Network
Annual Deductible1 $1,500 individual
$3,000 family
$3,600 individual
$6,000 family
$550 individual
$1,200 family
$1,200 individual
$2,400 family
Coinsurance (Plan Pays) 80% after deductible 60% after deductible 80% after deductible 60% after deductible
Annual Out-of-Pocket Maximum $3,500 individual2
$6,500 family2
$6,000 individual2
$12,000 family2
$2,500 individual3
$5,000 family3
$5,000 individual3
$10,000 family3
Lifetime Maximum Unlimited Unlimited Unlimited Unlimited
Primary Care Physician Selection Not required Not required Not required Not required
Referral Requirement Not required Not required Not required Not required
Certification Requirements
Certification for certain types of out-of-network care must be obtained to avoid a reduction in benefits paid for that care. Certification for hospital admissions, treatment facility admissions, skilled nursing facility admissions, home health care, hospice care is required – excluded amount applied separately to each type of expense is $200 per occurrence.
1Unless otherwise indicated the deductible must be met prior to benefits being payable. Once the family deductible is met, all family members will be considered as having met their deductible for the remainder of the year. All covered expenses cross-apply toward both the in and out-of-network deductibles. Note: if enrolled in the High Deductible Consumer Plan with dependent(s), the family deductible will apply and must be met prior to benefits being payable unless otherwise indicated.
2Only those out-of-pocket expenses resulting from the application of coinsurance percentage and deductibles (except any penalty amounts) may be used to satisfy the payment limit.
3Coinsurance, copays and deductibles count towards payment limits. Once family payment limit is met, all family members will be considered as having met their payment limit for the remainder of the calendar year.

Physician Services


Aetna High Deductible Consumer Plan
In-Network
Aetna High Deductible Consumer Plan
Out-Of-Network
Aetna Choice POS II Plan
In-Network
Aetna Choice POS II Plan
Out-Of-Network
Primary Care Physician Office Visit (non-surgical) 80% after deductible 60% after deductible 100% after $25 copay; deductible waived 60% after deductible
Included services of an internist, general physician, family practitioner, or pediatrician for routine care, as well as diagnosis and treatment of an illness or injury.
Specialist Office Visit (non-surgical) 80% after deductible 60% after deductible 100% after $40 copay; deductible waived 60% after deductible
Out-Patient Surgery 80% after deductible 60% after deductible 80% after $100 outpatient surgery copay; deductible waived 60% after deductible
Maternity OB Visits 100% per visit; no deductible applies 60% after deductible 100% per visit; no copay or deductible applies 60% after deductible
Allergy Testing 80% after deductible 60% after deductible 100% after $25 PCP or $40 specialist office visit copay; deductible waived 60% after deductible
Allergy Injections 80% after deductible 60% after deductible 100% after $25 PCP or $40 specialist office visit copay; deductible waived 60% after deductible
Diagnostic Laboratory and X-ray1 80% after deductible 60% after deductible Covered 100%; deductible waived 60% after deductible
1 If performed as part of a physician office visit and billed by physician, expenses are covered subject to the applicable physician's office visit member cost sharing.

Preventive Care


Aetna High Deductible Consumer Plan
In-Network
Aetna High Deductible Consumer Plan
Out-Of-Network
Aetna Choice POS II Plan
In-Network
Aetna Choice POS II Plan
Out-Of-Network
Routine Adult Physical Exams/ Immunizations Covered 100%; deductible waived Covered 100%; deductible waived Covered 100%; deductible waived 60% after deductible
1 exam per 12 months for members age 18 and older.
Routine Well Child Exams/ Immunizations Covered 100%; deductible waived Covered 100%; deductible waived Covered 100%; deductible waived 60% after deductible
17 exams in the first 12 months of life; 3 exams in the 2nd 12 months of life; 3 exams in 3rd 12 months; 1 exam per 12 months thereafter to age 18.
Routine Gynecological Care Exams Covered 100%; deductible waived Covered 100%; deductible waived Covered 100%; deductible waived 60% after deductible
Includes Pap smear and related lab fees.
Routine Mammograms Covered 100%; deductible waived. Covered 100%; deductible waived. Covered 100%; deductible waived. 60% after deductible
For covered females age 40 and over.
Routine Digital Rectal Exam/Prostate-specific Antigen Test Covered 100%; deductible waived Covered 100%; deductible waived Covered 100%; deductible waived 60% after deductible
For covered males age 40 and over.
Colorectal Cancer Screening Covered 100%; deductible waived. Covered 100%; deductible waived. Covered 100%; deductible waived. 60% after deductible
For all members age 50 and over.
Routine Hearing Exams Covered 100%; deductible waived. Covered 100%; deductible waived. Covered 100%; deductible waived. 60% after deductible
1 routine exam per 24 months.

Emergency Care


Aetna High Deductible Consumer Plan
In-Network
Aetna High Deductible Consumer Plan
Out-Of-Network
Aetna Choice POS II Plan
In-Network
Aetna Choice POS II Plan
Out-Of-Network
Urgent Care (benefit availability may vary by location) 80% after deductible. 60% after deductible Covered 100%; deductible waived 60% after deductible
Non-Urgent Use of Urgent Care Provider Not covered Not covered Not covered Not covered
Emergency Room Visit 80% after deductible 80% after deductible Covered 100% after $150 copay; copay waived if admitted; deductible waived. $150 copay; waived if admitted
Non-Emergency care in an Emergency Room Not covered Not covered Not covered Not covered
Ambulance 80% after deductible Covered 80% after deductible for emergency use; 60% after deductible for non-emergency use Covered 100%; deductible waived. Covered 100% emergency use; 60% non-emergency use after deductible

Hospital Care


Aetna High Deductible Consumer Plan
In-Network
Aetna High Deductible Consumer Plan
Out-Of-Network
Aetna Choice POS II Plan
In-Network
Aetna Choice POS II Plan
Out-Of-Network
Inpatient Coverage 80% after deductible 60% after deductible Covered 80% after deductible and $250 per admission copay.

Copay applies only to first 2 hospital stays per year.
Covered 60% after $500 per admission copay.

Copay applies only to first 2 hospital stays per year.
Inpatient Maternity Coverage 80% after deductible 60% after deductible Covered 80% after deductible and $250 per admission copay 60% after $500 per admission copay
Outpatient Surgery 80% after deductible 60% after deductible Covered 80%; deductible waived 60% after deductible
Outpatient Hospital Expenses 80% after deductible (including surgery) 60% after deductible (including surgery) Covered 80% after $100 outpatient surgery facility copay; deductible waived (excluding surgery) 60% after deductible (excluding surgery)
Cost sharing applies to all covered benefits incurred during any inpatient stay or outpatient visit

Family Planning


Aetna High Deductible Consumer Plan
In-Network
Aetna High Deductible Consumer Plan
Out-Of-Network
Aetna Choice POS II Plan
In-Network
Aetna Choice POS II Plan
Out-Of-Network
Infertility: Standard Base Benefit 80% after deductible 60% after deductible 100% after $40 copay; deductible waived (benefits based on place of service) 60% after deductible
Covers diagnosis and treatment of underlying cause only.
Comprehensive Infertility Services 80% after deductible; artificial insemination and ovulation induction limited to 6 attempts per lifetime Not covered Covered 100%; deductible waived (benefits based on place of service); artificial insemination and ovulation induction limited to 6 attempts per lifetime Not covered
Covers artificial insemination and ovulation in addition to standard base.
Advanced Reproductive Technology (ART) 80% after deductible; ART services limited to $10,000 lifetime maximum Not covered Covered 100%; deductible waived (benefits based on place of service); ART services limited to $10,000 lifetime maximum. Not covered
Covers in vitro fertilization (IVF), GIFT, ZIFT, cryo-preserved embryo transfers, and ICSI and ovum microsurgery in addition to standard base benefit and comprehensive services buy-up.
Fertility Preservation 80% after deductible; ART services limited to $10,000 lifetime maximum Not covered Covered 100%; deductible waived (benefit based on place of service); ART services limited to $10,000 lifetime maximum Not covered
Fertility preservation involves retrieving sperm or undergoing in vitro fertilization (IVF) in order to retrieve mature eggs for future use. Fertility preservation is available only when you are believed to be fertile and have planned services that will or are proven to result in infertility such as chemotherapy, pelvic radiotherapy, other gonadotoxic therapies, or removal of the ovaries, testicles, or uterus.
Cryopreservation and Storage 80% after deductible; ART services limited to $10,000 lifetime maximum Not covered Covered 100%; deductible waived (physician office services); 80%; deductible waived (outpatient facility-based services); ART services limited to $10,000 lifetime maximum Not covered
The ART benefit of $10,000 per lifetime also covers the cost to freeze and store eggs, embryo, and sperm for 1 year. This benefit is available when members are approved for Infertility treatment or Fertility Preservation benefits for medical indications. Cryopreservation and storage for one year will require precertification by your physician through the NIU (National Infertility Unit). Call 1-800-575-5999 for more information.
Voluntary Sterilization 80% after deductible (male); 100% deductible waived (female) 60% after deductible Males: 80%, no deductible, when performed on an outpatient basis; 100%, no deductible, and $40 copay when performed in doctor's office

Females: 100%, deductible waived
60% after deductible
Includes tubal ligation and vasectomy; excludes reversals

Mental Health and Alcohol/Drug Abuse Services


Aetna High Deductible Consumer Plan
In-Network
Aetna High Deductible Consumer Plan
Out-Of-Network
Aetna Choice POS II
In-Network
Aetna Choice POS II
Out-Of-Network
Inpatient 80% after deductible 60% after deductible Covered 80% after deductible and $250 per admission copay 60% after $500 per admission copay
Outpatient 80% after deductible 60% after deductible 100% after $25 copay; deductible waived 60% after deductible
Residential Treatment Facility 80% after deductible 60% after deductible Covered 80% after deductible and $250 per admission copay 60% after $500 per admission copay; deductible waived
Cost sharing applies to all covered benefits incurred during an inpatient stay or outpatient visit.

Other Services


Aetna High Deductible Consumer Plan
In-Network
Aetna High Deductible Consumer Plan
Out-Of-Network
Aetna Choice POS II
In-Network
Aetna Choice POS II
Out-Of-Network
Home Health Care1 80% after deductible 60% after deductible Covered 100%; deductible waived 60% after deductible
1Limited to 120 visits per calendar year; each visit by a nurse or therapist is one visit; each visit up to 4 hours by a home health care aide is one visit.
Hospice Care – Inpatient2 80% after deductible 60% after deductible Covered 100% after $250 per confinement copay; deductible waived 60% after $500 per confinement copay
2Cost sharing applies to all covered benefits incurred during an inpatient stay.
Hospice Care – Outpatient3 80% after deductible 60% after deductible Covered 100%; deductible waived 60% after deductible
3Cost sharing applies to all covered benefits incurred during an inpatient stay.
Skilled Nursing Facility4 80% after deductible 60% after deductible Covered 100% after $250 per confinement copay; deductible waived 60% after $500 per confinement copay
4120 days per calendar year maximum.
Outpatient Short-Term Rehabilitation5 80% after deductible 60% after deductible Covered 80%; deductible waived 60% after deductible
5Includes speech, physical, and occupational therapy.
Spinal Manipulation Therapy 80% after deductible 60% after deductible 100% after $40 copay; deductible waived 60% after deductible
Acupuncture 80% after deductible 60% after deductible 100%, after $40 copay, deductible waived when rendered in a physician’s office; 100% no deductible or copay when rendered inpatient or outpatient as a form of anesthesia associated with a surgical procedure 60% after deductible
Durable Medical Equipment6 80% after deductible 60% after deductible Covered 100%; deductible waived 60% after deductible
6No limit
Diabetic Supplies 80% after deductible 60% after deductible Covered 80%; deductible waived 60% after deductible
Contraceptive drugs and devices not obtainable at a pharmacy (includes coverage for contraceptive visits) Covered 100%; deductible waived 60% after deductible (payable as any other covered expense) Covered 100%; deductible waived 60% after deductible (payable as any other covered expense)
Transplants 80% after deductible; in-network coverage is provided at an IOE contracted facility only 60% out-of-network coverage is provided at a non-IOE facility 80% in-network coverage is provided at an IOE contracted facility only; after deductible and $250 per confinement copay 60% out-of-network coverage is provided at a non-IOE facility
Mouth, Jaw, and Teeth (oral surgery procedures, medical in nature) 80% after deductible 60% after deductible Covered 80%; deductible waived 60% after deductible
TMJ ($1,500 calendar year maximum) 80% after deductible 60% after deductible Covered 90%; deductible waived 60% after deductible
Applied Behavior Analysis (ABA) Therapy: Outpatient Office 80% after deductible 60% after deductible 100% after copay 60% after deductible
ABA Therapy: Outpatient All Other 80% after deductible 60% after deductible Covered 100%; deductible waived 60% after deductible
Outpatient Therapies for Autistic Members 80% after deductible 60% after deductible Covered 80%; deductible waived
  • No copay for physical and occupational therapy
  • No frequency limits
60% after deductible
Transgender Benefits These benefits follow the usual in- and out-of-network benefits for physicians and facilities, according to your medical plan. See the above tables to determine your benefits.

Pharmacy


Aetna High Deductible Consumer Plan
In-Network
Aetna High Deductible Consumer Plan
Out-Of-Network
Aetna Choice POS II
In-Network
Aetna Choice POS II
Out-Of-Network
Retail
(up to a 30-day supply)
  • 80% after deductible for generic drugs
  • 80% after deductible for formulary brand-name drugs
  • 80% after deductible for non-formulary brand-name drugs
Up to a 30-day supply at participating pharmacies

Generic substitution provision applies*
50% after deductible

Generic substitution provision applies*
Covered 100% after applicable copay
  • $10 copay for generic drugs
  • $45 copay for formulary brand-name drugs
  • $75 copay for non-formulary brand-name drugs
Up to a 30-day supply at participating pharmacies

Generic substitution provision applies*
Covered 50% after applicable copay
  • $10 copay for generic drugs
  • $45 copay for formulary brand-name drugs
  • $75 copay for non-formulary brand-name drugs
Up to a 30-day supply at participating pharmacies

Generic substitution provision applies*
Aetna Rx Home Delivery
  • 80% after deductible for generic drugs
  • 80% after dedutible for formulary brand-name drugs
  • 80% after deductible for non-formulary brand-name drugs
Maintenance Choice program benefits apply**
Not applicable
  • $20 copay for generic drugs
  • $90 copay for formulary brand-name drugs
  • $150 copay for non-formulary brand-name drugs
Maintenance Choice program benefit apply**
Not applicable
No Mandatory Generic (NO MG) You are responsible to pay the applicable copay only.
Plan includes: Contraceptive drugs and devices obtainable from a pharmacy, oral fertility drugs, diabetic supplies If your out-of-pocket maximum has been reached, the plan will pay the balance of the negotiated costs of the drug. Any rebates received by Aetna from drug manufacturers do not reduce the amount you pay for an individual prescription drug for in-network and out-of-network care. Not applicable Not applicable

*Generic Substitution: A generic drug substitution for brand-name prescriptions will be dispensed to you, unless your medical provider specifies that a brand-name prescription is medically necessary and indicates “Dispense as Written” (DAW) on your prescription.

**Maintenance Choice Program: You can obtain your 90-day maintenance medication by mail through Aetna Rx Home Delivery or CVS Pharmacy. Or, you can take your 90-day maintenance medication prescription to be filled and picked up at your local CVS Pharmacy, including their Target store locations (as allowed by Federal law).

Aetna High Deductible Consumer Plan

The High Deductible Consumer Plan is designed to help you think differently about how and when you receive care. Because you have a higher deductible to meet, you pay more out-of-pocket for care. So, it’s to your benefit to be an informed health care consumer.

At the same time, paycheck contributions for coverage are lower than contributions for the Choice POS II Plan. Further, the Plan comes with a Health Savings Account (HSA) that offers financial advantages to help cover your out-of-pocket costs and even let you save for future medical expenses.

The High Deductible Consumer Plan and Health Savings Account (HSA) work together as follows:

  • You contribute funds to your account, on top of the contributions made by E*TRADE, up to $500 for single coverage or up to $1,000 for family coverage.
  • You use the funds in your account to pay for your share of medical expenses.
  • You can carry forward any unused expenses to future years.

Advantages of Saving with an HSA

The HSA offers important advantages:

Company contribution just for joining the plan. E*TRADE funds your account up to $500 for single coverage or up to $1,000 if you cover family members (dependents).

You can save. You decide how much to put into your account each year. A good place to start is enough to cover the annual deductible. Or, consider saving the difference between your paycheck contribution in the High Deductible Consumer Plan and the contribution you’d pay if you enrolled in the Choice POS II Plan. The IRS sets the overall contribution levels for Health Savings Accounts each year that apply to what you and E*TRADE contribute.

You never pay taxes. You don’t pay taxes on any money you and the Company put into your HSA, when it goes in or when you use it for eligible expenses.

It’s yours to keep. There is no “use it or lose it” rule -- whatever amounts you don’t use in a calendar year roll over. And the account is portable, meaning it remains yours to use if you switch to another plan or another employer.

See Health Savings Account for more information.

Aetna Choice POS II Plan

A more traditional balance of cost and coverage. You also can use it with a Health Care Flexible Spending Account (FSA) to save taxes on eligible expenses that you incur during the plan year. This plan does not allow the tax advantages and company contributions that come with a Health Savings Account.

The Aetna network

Both plans offer you the lowest out-of-pocket costs when you seek care from physicians, facilities, and other professionals within Aetna’s extensive provider network. If you choose to get care outside the network, you will generally pay a higher share of the cost, and you may also be responsible for any amounts above the plan’s “reasonable and customary” limits. So before you receive care, it is important to check whether the provider is part of the Aetna network.

Find a Doctor

Using in-network providers saves you money. Here is how to find doctors in the Aetna network:

  • Aetna.com
  • Click “Find Care” and then search for your provider.
Don’t have a primary doctor? You should. Here is why.

  • Better health. Getting the right health screenings each year can reduce your risk for many serious conditions. Preventive care is free, so there is no excuse to skip it.
  • Cost savings. Having a primary doctor may help you avoid costly trips to the emergency room and decide when you really need to see a specialist.
  • Peace of mind. Advice from someone you trust. It means a lot when you are healthy, but it is even more important when you are sick. Your primary doctor gets to know you and your health history and can help coordinate any care you need.

 

2nd.MD

When you need help understanding a medical condition or treatment plan, want insight into how to manage a chronic condition, or have questions about a diagnosis, the confidential second opinion service 2nd.MD will enlist leading specialists to assess your medical situation.

How It Works

  1. Call when you want to speak with an independent specialist about any health-related situation. Most consultations are scheduled within three days.
  2. 2nd.MD will retrieve your medical records and schedule your appointment.
  3. Following your consultation, 2nd.MD will provide detailed notes related to your medical situation and treatment.

Who Can Use It

2nd.MD is a complimentary service available to you and your dependents, adult children, parents, parents-in-law and grandparents.

When to Use It

  • You or your loved one is diagnosed with a serious illness.
  • Your doctor recommends surgery, a new course of treatment, or a new prescription drug.
  • You don’t think your prescribed treatment is working.
  • You have a chronic condition and want to learn how to better manage it.
  • You’ve received different diagnoses from multiple physicians.
  • You need referrals and assistance scheduling appointments with in-network doctors and specialists.

Getting Started

Go to the 2nd.MD website to activate your membership using your first name, last name and zip code or call 1-866-841-2575 to speak with a Care Team member.

Questions about 2nd.MD? Contact the Care Team at 1-866-841-2575.

Did You Know?

2nd.MD is available even if you or your dependents are not enrolled in an E*TRADE medical plan.

Memorial Sloan Kettering (MSK) Direct

When faced with a cancer diagnosis, reliable information and comprehensive care are crucial. As an E*TRADE employee, you can receive no-cost cancer support through Memorial Sloan Kettering (MSK) Direct.

Through the MSK Direct Guided Cancer Treatment Program, you have no-cost access to a team of dedicated professionals who specialize in cancer treatment—for you, your dependents, adult children, parents, parents-in-law, and grandparents—including:

  • Specialist appointments within two business days
  • Diagnosis confirmation, if you're looking for a second opinion
  • Help gathering medical records ahead of appointments
  • Introductions to the MSK facilities and clinical teams that can handle your treatment
  • Guidance to navigate critical steps throughout your cancer care experience

Contact MSK when you receive results from a blood test, imaging exam, or pathology report that may indicate cancer, or when another physician recommends that you consult with an oncologist.

  • Employees in New York Metro: MSK is located on the Upper East Side of Manhattan and has outpatient facilities in Manhattan, Brooklyn, Long Island, Westchester, and New Jersey.
  • Employees outside of New York Metro: MSK can recommend hospitals in your area.

Click here for more information.

While this benefit is based out of the Metro NY area, all US employees can use this program, even if you aren't enrolled in our medical benefits. No registrations are needed to get started—simply state that you are an E*TRADE employee. Any cancer treatment provided by MSK will be subject to your medical insurance plan.

Hospital for Special Surgery (HSS)

If you or your loved ones—your dependents, adult children, parents, parents-in-law, and grandparents—are living with a musculoskeletal condition—one that affect your muscles, bones, and/or joints—the Hospital for Special Surgery (HSS) can help.

Get direct access to top physicians, priority appointments, and physician referrals if:

  • You or a family member is diagnosed with an orthopedic or rheumatologic condition
  • A doctor recommends surgery for a musculoskeletal condition
  • You have neck pain, low back pain, sports injuries, and autoimmune disorders

Get started here. After a no-cost consultation to assess your condition, medical insurance, location, and other preferences, the HSS team will provide physician referrals, schedule timely appointments, and act as a point of contact throughout your entire treatment.

While this benefit is based out of the Metro NY area, all US employees can use this program, even if you aren't enrolled in our medical benefits. No registrations are needed to get started—simply state that you are an E*TRADE employee.

This service is not intended for emergency care. HSS will refer you to in-network Aetna providers. If you are not enrolled in E*TRADE medical benefits, you will need to provide your medical insurance information for HSS to research in-network providers covered under your plan.

New York Presbyterian (NYP)

Through Morgan Stanley's membership in the New York-Presbyterian (NYP) / Columbia University Medical Center's Corporate Care System, you and your family have priority access to hospital services, including:

  • A physician referral service for the Tri-State area, with access to over 5,000 top physicians in virtually every medical specialty. The coordinator will recommend an in-network physician or health care professional (you may also request to see out-of-network providers). The coordinator can even schedule an appointment for you; coordinators are available 9–5 on weekdays. Call 1-646-697-2467, option 1.
  • A 911-alternative emergency response program in Manhattan, available 24/7, 365 days a year. Upon receiving your call, NYP staff will dispatch a NYP ambulance (or alternate means of transport) and send the patient to the nearest NYP hospital.

Learn more. While this benefit is based out of the Metro NY area, all US employees can use this program, even if you aren't enrolled in our medical benefits. No registrations are needed to get started—simply state that you are an E*TRADE employee.

Teladoc

If you are enrolled in one of the Aetna medical plans, you and your eligible family members have 24/7 access to board-certified physicians through convenient phone or video consults with Teladoc.

Whether you have a health problem and need care virtually, are traveling and want a doctor's advice, or have a dependent away at camp or college who needs care on-the-go, Teladoc doctors can diagnose, recommend treatment, and write short-term prescriptions for most non-emergency medical issues.

Learn about all of Teladoc's offerings below.

General medical

Teladoc's physicians provide fast and convenient diagnoses and treatments for many common conditions, such as flu, allergies, bronchitis, sinusitis, and more.

Request an appointment on the Teladoc site and speak to a doctor to decide on next steps. Click here for more information on general medical resources through Teladoc.

If you are enrolled in the Aetna Choice POS II Plan, you will pay a $25 copay per consultation. If you are enrolled in the Aetna High Deductible Consumer Plan, the consultation fee is $40 and is covered at 80% coinsurance after you meet your deductible.

Dermatology

You can receive treatment for psoriasis, eczema, acne, and more at your convenience from your mobile device or computer.

For a dermatology appointment, request a consult and upload images on the Teladoc site. You'll receive a response within two business days and can discuss next steps with the dermatologist for the next seven days. Click here for more information on dermatology resources through Teladoc.

If you are enrolled in the Aetna Choice POS II Plan, you will pay a $40 specialist copay. If you are enrolled in the Aetna High Deductible Consumer Plan, the consultation fee is $75 and is covered at 80% coinsurance after you meet your deductible.

Behavioral health

Teladoc also offers support for your behavioral health, including counseling for stress, anxiety, depression, and more. Behavioral health appointments are available by video only to members and eligible dependents 18 years and older.

On the Teladoc site, you can choose a provider and service, select an appointment date/time, and meet with a provider for ongoing treatment. Click here for more information on behavioral health resources through Teladoc.

If you are enrolled in the Aetna Choice POS II Plan, you will pay a $40 specialist copay. If you are enrolled in the Aetna High Deductible Consumer Plan, your first appointment is $160. Subsequent appointments are $90 per visit with a psychiatrist or $80 per visit with a master's level therapist, covered at 80% coinsurance after you meet your deductible.

Caregiver

Being a caregiver can be challenging, and sometimes caregivers need support. For general medical caregiver consults, the recipient does not have to be an Aetna member or dependent on your medical plan.

For a caregiver appointment, simply add your care recipient and request an appointment on the Teladoc site. The caregiver will receive a follow-up and support. Click here for more information on caregiver resources through Teladoc.

Caregiver consultations are $45 per visit (independent of an Aetna benefit plan).

Ready to use Teladoc’s resources? There are three ways to set up your account:

Prior to requesting service from Teladoc, you must complete your medical history on your profile. Adult family members and dependents will also need to set up an account before using Teladoc.

Prescription Drugs

When you enroll in an E*TRADE medical plan, you will automatically receive prescription drug coverage through Aetna.

Drug tiers

The cost of your prescription drugs under each medical plan depends on the tier of the medication:

  • Generic drugs contain the same active ingredients as their brand-name equivalents and meet the same federal standards for safety, but typically cost significantly less.
  • Formulary drugs are brand-name medications that are favored by a prescription plan based on drug effectiveness and cost.
  • Non-formulary drugs are brand-name medications that are not on a prescription plan's favored list (or formulary) based on drug effectiveness and cost. They may still be covered, but may require prior authorization and cost more.
Tip! Save money on prescription drugs

  • Save money by using generic drugs.
  • Take advantage of pre-tax savings on out-of-pocket costs by using funds from your Health Savings Account (HSA) or your Health Care Flexible Spending Account (FSA).
  • Use the Maintenance Choice program to receive a 90-day supply of maintenance medication through the Aetna Rx Home Delivery mail order pharmacy. Or, bring your 90-day maintenance medication prescription to be filled at your local CVS Pharmacy, including their Target store locations.

Tools & Resources

Take advantage of these valuable resources to better manage your health and wallet.

Medical plan tools
  • Aetna.com: Find a doctor, compare costs, manage claims, and more.
  • Call Aetna: 1-800-445-5298
  • Ask ALEX: Use this online benefits counselor to help you choose the plans and programs that are right for you and your family.
CVS MinuteClinic

If you're enrolled in an E*TRADE medical plan, you have access to MinuteClinic, a walk-in clinic inside select CVS Pharmacy® and Target stores. It's open every day, including evenings, for both walk-in and scheduled appointment options.

  • MinuteClinic health care providers treat a variety of illnesses, injuries, and conditions. They can also write prescriptions.
  • If you're enrolled in the POS II Plan, you can access all covered services at any in-network MinuteClinic at no cost to you.
  • If you're enrolled in the High Deductible Consumer Plan, you can access preventive care services at no cost to you and other services at a discounted rate. After you meet your deductible, you can access all covered services at any in-network MinuteClinic at no cost to you.
Prescription drug tools
  • Aetna.com: Manage your prescriptions (order or refill), sign up for mail order, and more.
  • Retail Rx: 1-800-445-5298
  • Mail Order Rx: 1-888-792-3862
  • Pharmacy Advisor: Pharmacy Advisor counseling provides targeted interventions to members who have diabetes or cardiovascular conditions. Members with these conditions may receive counseling outreach or in-person counseling from pharmacists at CVS/Pharmacy retails.
Health Savings Account/Flexible Spending Account tools
  • Health Savings Account (HSA): Available only to employees who enroll in the High Deductible Consumer Plan.
  • Flexible Spending Accounts (FSAs):
    • Health Care Flexible Spending Account (FSA): Available to employees who enroll in Choice POS II Plan.
    • Limited Purpose Flexible Spending Account (FSA): Available to employees who are enrolled in the Aetna High Deductible Consumer Plan.
    • Dependent Care Flexible Spending Account (FSA): Available to all employees.
  • Manage your accounts online: Go to Payflex.com to manage your Health Savings Account (HSA) or Health Care Flexible Spending Account (FSA) online.
  • Call PayFlex: 1-844-729-3539
Aetna Health℠ App

Your Aetna Health app is personalized to accommodate your schedule, health needs, and communication preferences.

You’ll get the tools you need to meet your most important health goals. You’ll be able to:

  • View benefits and claims
  • Find providers by location and specialty
  • Get cost estimates before you get care
  • Track spending and check balances
  • Access your member ID card whenever you need it

To download the app, search “Aetna Health” on your device's app store.

Teladoc

Seek medical advice from board-certified physicians who are available 24/7 to consult with you over the phone or through live video right from your mobile device or computer. Teladoc physicians can provide fast, convenient diagnosis and treatment for many common conditions. You can enroll online with Teladoc or by calling 1-855-835-2362. Click here to learn about all of the services Teladoc offers and how you can make an appointment.

Informed Health Line

Talk to a registered nurse whenever you have a health question by calling the Informed Health Line, 24/7. Aetna nurses can discuss a wide variety of health and wellness topics, and help you:

  • Make more informed decisions about your care.
  • Communicate better with your doctors.
  • Save time and money by getting the right care at the right time.
  • Call Informed Health Line: 1-800-556-1555