Aetna - New York Health Insurance Plans for Businesses
Insurance Carrier Overview
Aetna is a national carrier offering medical, dental, and vision coverage. Aetna offers plans throughout the entire state, with some narrow network plans available specifically to the New York City area.
Aetna offers two main types of networks; (1) a statewide EPO networks and (2) New York City specific networks. Aetna does not offer a PPO network with out-of-network coverage in New York. Companies can offer any number to employees, so plans from different networks can be offered together.
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||Cost Savings vs. Full Network
|Elect Choice Open Access
|NYC Community Plan
Elect Choice Open Access EPO: Aetna's largest network in New York, with access to expansive network of doctors and hospitals. Offers nationwide coverage through Aetna's national network. One of the largest networks available to small businesses in New York.
Savings Plus of New York: Narrow EPO network comprised of medical providers with lower negotiated costs to Aetna. Plans are ~9% less expensive than the full network, but also is more restrictive as the plans are only available to employers located southeast New York and NYC.
NYC Community Plan: Only available to employers located in one of the five boroughs of NYC (Manhattan, Bronx, Queens, Staten Island, and Brooklyn. The NYC Community Plan network is limited primarily to providers in the greater NYC area, but offers very high coverage in return, with no deductible, very low copays, and very low out of pocket maximum. Only a platinum tier option is available, so while the NYC Community Plan is 20% less expensive compared to the full network plan, the plan cost is fairly high.
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