Employer Group Health Insurance Plans & Benefits | Aetna (2024)

By clicking on “I accept”, I acknowledge and accept that:

Should the following terms and conditions be acceptable to you, please indicate your agreement and acceptance by selecting the button below labeled "I Accept".

  • Aetna Clinical Policy Bulletins (CPBs) are developed to assist in administering plan benefits and do not constitute medical advice. Treating providers are solely responsible for medical advice and treatment of members. Members should discuss any Clinical Policy Bulletin (CPB) related to their coverage or condition with their treating provider.
  • While the Clinical Policy Bulletins (CPBs) are developed to assist in administering plan benefits, they do not constitute a description of plan benefits. The Clinical Policy Bulletins (CPBs) express Aetna's determination of whether certain services or supplies are medically necessary, experimental and investigational, or cosmetic. Aetna has reached these conclusions based upon a review of currently available clinical information (including clinical outcome studies in the peer-reviewed published medical literature, regulatory status of the technology, evidence-based guidelines of public health and health research agencies, evidence-based guidelines and positions of leading national health professional organizations, views of physicians practicing in relevant clinical areas, and other relevant factors).
  • Aetna makes no representations and accepts no liability with respect to the content of any external information cited or relied upon in the Clinical Policy Bulletins (CPBs). The discussion, analysis, conclusions and positions reflected in the Clinical Policy Bulletins (CPBs), including any reference to a specific provider, product, process or service by name, trademark, manufacturer, constitute Aetna's opinion and are made without any intent to defame. Aetna expressly reserves the right to revise these conclusions as clinical information changes, and welcomes further relevant information including correction of any factual error.
  • CPBs include references to standard HIPAA compliant code sets to assist with search functions and to facilitate billing and payment for covered services. New and revised codes are added to the CPBs as they are updated. When billing, you must use the most appropriate code as of the effective date of the submission. Unlisted, unspecified and nonspecific codes should be avoided.
  • Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan to determine if there are any exclusions or other benefit limitations applicable to this service or supply. The conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna) for a particular member. The member's benefit plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary. If there is a discrepancy between a Clinical Policy Bulletin (CPB) and a member's plan of benefits, the benefits plan will govern.
  • In addition, coverage may be mandated by applicable legal requirements of a State, the Federal government or CMS for Medicare and Medicaid members.

See CMS's Medicare Coverage Center

  • Please note also that Clinical Policy Bulletins (CPBs) are regularly updated and are therefore subject to change.
  • Since Clinical Policy Bulletins (CPBs) can be highly technical and are designed to be used by our professional staff in making clinical determinations in connection with coverage decisions, members should review these Bulletins with their providers so they may fully understand our policies. Under certain circ*mstances, your physician may request a peer to peer review if they have a question or wish to discuss a medical necessity precertification determination made by our medical director in accordance with Aetna’s Clinical Policy Bulletin.
  • While Clinical Policy Bulletins (CPBs) define Aetna's clinical policy, medical necessity determinations in connection with coverage decisions are made on a case by case basis. In the event that a member disagrees with a coverage determination, Aetna provides its members with the right to appeal the decision. In addition, a member may have an opportunity for an independent external review of coverage denials based on medical necessity or regarding the experimental and investigational status when the service or supply in question for which the member is financially responsible is $500 or greater. However, applicable state mandates will take precedence with respect to fully insured plans and self-funded non-ERISA (e.g., government, school boards, church) plans.

See Aetna's External Review Program

  • The five character codes included in the Aetna Clinical Policy Bulletins (CPBs) are obtained from Current Procedural Terminology (CPT®), copyright 2015 by the American Medical Association (AMA). CPT is developed by the AMA as a listing of descriptive terms and five character identifying codes and modifiers for reporting medical services and procedures performed by physicians.
  • The responsibility for the content of Aetna Clinical Policy Bulletins (CPBs) is with Aetna and no endorsem*nt by the AMA is intended or should be implied. The AMA disclaims responsibility for any consequences or liability attributable or related to any use, nonuse or interpretation of information contained in Aetna Clinical Policy Bulletins (CPBs). No fee schedules, basic unit values, relative value guides, conversion factors or scales are included in any part of CPT. Any use of CPT outside of Aetna Clinical Policy Bulletins (CPBs) should refer to the most current Current Procedural Terminology which contains the complete and most current listing of CPT codes and descriptive terms. Applicable FARS/DFARS apply.

LICENSE FOR USE OF CURRENT PROCEDURAL TERMINOLOGY, FOURTH EDITION ("CPT®")

CPT only copyright 2015 American Medical Association. All Rights Reserved. CPT is a registered trademark of the American Medical Association.

You, your employees and agents are authorized to use CPT only as contained in Aetna Clinical Policy Bulletins (CPBs) solely for your own personal use in directly participating in healthcare programs administered by Aetna, Inc. You acknowledge that AMA holds all copyright, trademark and other rights in CPT.

Any use not authorized herein is prohibited, including by way of illustration and not by way of limitation, making copies of CPT for resale and/or license, transferring copies of CPT to any party not bound by this agreement, creating any modified or derivative work of CPT, or making any commercial use of CPT. License to use CPT for any use not authorized herein must be obtained through the American Medical Association, CPT Intellectual Property Services, 515 N. State Street, Chicago, Illinois 60610. Applications are available at the American Medical Association Web site, www.ama-assn.org/go/cpt.

Go to the American Medical Association Web site

U.S. Government Rights

This product includes CPT which is commercial technical data and/or computer data bases and/or commercial computer software and/or commercial computer software documentation, as applicable which were developed exclusively at private expense by the American Medical Association, 515 North State Street, Chicago, Illinois, 60610. U.S. Government rights to use, modify, reproduce, release, perform, display, or disclose these technical data and/or computer data bases and/or computer software and/or computer software documentation are subject to the limited rights restrictions of DFARS 252.227-7015(b)(2) (June 1995) and/or subject to the restrictions of DFARS 227.7202-1(a) (June 1995) and DFARS 227.7202-3(a) (June 1995), as applicable for U.S. Department of Defense procurements and the limited rights restrictions of FAR 52.227-14 (June 1987) and/or subject to the restricted rights provisions of FAR 52.227-14 (June 1987) and FAR 52.227-19 (June 1987), as applicable, and any applicable agency FAR Supplements, for non-Department of Defense Federal procurements.

Disclaimer of Warranties and Liabilities.

CPT is provided "as is" without warranty of any kind, either expressed or implied, including but not limited to the implied warranties of merchantability and fitness for a particular purpose. No fee schedules, basic unit, relative values or related listings are included in CPT. The American Medical Association (AMA) does not directly or indirectly practice medicine or dispense medical services. The responsibility for the content of this product is with Aetna, Inc. and no endorsem*nt by the AMA is intended or implied. The AMA disclaims responsibility for any consequences or liability attributable to or related to any use, non-use, or interpretation of information contained or not contained in this product.

This Agreement will terminate upon notice if you violate its terms. The AMA is a third party beneficiary to this Agreement.

Should the foregoing terms and conditions be acceptable to you, please indicate your agreement and acceptance by selecting the button labeled "I Accept".

The information contained on this website and the products outlined here may not reflect product design or product availability in Arizona. Therefore, Arizona residents, members, employers and brokers must contact Aetna directly or their employers for information regarding Aetna products and services.

This information is neither an offer of coverage nor medical advice. It is only a partial, general description of plan or program benefits and does not constitute a contract. In case of a conflict between your plan documents and this information, the plan documents will govern.

Employer Group Health Insurance Plans & Benefits | Aetna (2024)

FAQs

What is an employer based group health benefits plan? ›

A group health plan is an employee welfare benefit plan established or maintained by an employer or by an employee organization (such as a union), or both, that provides medical care for participants or their dependents directly or through insurance, reimbursem*nt, or otherwise.

What is the benefit of joining a group insurance plan from your employer? ›

Group health insurance plans offer medical coverage to members of an organization or employees of a company. They may also provide supplemental health plans—such as dental, vision, and pharmacy—separately or as a bundle. Risk is spread across the insured population, which allows the insurer to charge low premiums.

Which type of insurance is offered to all employees by the employer? ›

Employer-sponsored health insurance is a health policy selected and purchased by your employer and offered to eligible employees and their dependents. These are also called group plans.

Why do employers provide group health plan coverage to their employees? ›

Tax advantages

Money paid toward monthly employee premiums is usually tax-deductible for employers. Employees pay monthly premiums with pre-tax dollars, which can reduce their tax liability. Additionally, eligible small businesses may qualify for the Small Business Health Care Tax Credit through the federal government.

What are the disadvantages of employer-provided health insurance? ›

Job lock. The term job lock refers to the tendency of employer-sponsored health insurance to discourage people from changing jobs; from starting a business of their own; or from reducing their hours to care for family members or move gradually toward retirement.

Are you covered under a group health plan? ›

Eligibility and Coverage Criteria for Group Health Insurance

To be eligible for group health insurance, an employee must be on payroll and the employer must pay payroll taxes. Individuals usually not eligible for group coverage include independent contractors, retirees and seasonal or temporary employees.

Who splits the premiums in a group health insurance plan? ›

Group health premiums are split between the employer and participating employees. Employees can add family members and dependents to group plans for an additional cost. Enrolled employees pay a monthly premium to maintain medical coverage, generally on a pre-tax basis from their paycheck.

What is an advantage of having an employer-sponsored health plan? ›

Here are key employee benefits of employer-sponsored health coverage – and why you should be offering it: It can reduce absenteeism. A healthy employee is present and more productive. And the more physically sound workers are, the less prone they are to injuries and less likely they are to miss workdays.

What is an example of a group health insurance plan? ›

Two major examples of group healthcare coverage are Health Maintenance Organization (HMO) plans and Preferred Provider Organization (PPO) plans. HMO Plans. These plans often offer low premiums, but limit the availability of medical care to a select network of providers.

Is employer health insurance worth it? ›

Benefits of employer sponsored health insurance plans include a discount based on your employer's contribution to the premium. Another benefit is that you save time and money researching health insurance on your own. Typically, you can include your dependents, including your spouse, in your plan for an additional cost.

Which type of health insurance is obtained through an employer? ›

This is called individual or non-group health insurance. The second is coverage under a policy or plan offered by a sponsoring group, such as an employer, union, or trade association. This is called group health insurance.

What is health insurance provided through an employer also known as? ›

Most people in California get group health insurance through their job. This is also called employer-based coverage.

When employees are covered by group insurance, they receive? ›

Insured members often receive certificates of insurance as proof of coverage. If your company offers group term life insurance, you may not be able to "take it with you" if you change jobs.

Why is COBRA more expensive than group insurance? ›

COBRA continuation coverage is often more expensive than the amount that active employees are required to pay for group health coverage, since the employer usually pays part of the cost of employees' coverage and all of that cost can be charged to individuals receiving continuation coverage.

Is health care coverage offered by employers called group health insurance? ›

In general, a health plan offered by an employer or employee organization that provides health coverage to employees and their families.

What is the difference between private and employer based health insurance? ›

Individual and family health plans can be impacted by income and where you live, while employer-sponsored group coverage depends on employment status and if your employer offers a health plan. The premium cost is usually shared between your employer and you, which helps you save money.

What is the difference between a group plan and an employer-sponsored plan? ›

Group health insurance is an employer-sponsored policy, whereas group health plans can include insurance, health reimbursem*nt arrangements (HRAs), and other benefits. They're similar in that they require a participation rate, offer policies at a reduced cost, and provide coverage for pre-existing conditions.

What is an employer based plan? ›

What Is an Employer-Sponsored Plan? An employer-sponsored plan is a type of benefit plan offered to employees at no or relatively low cost. These plans, such as a 401(k) or HSA, cover an array of services including retirement savings and healthcare.

References

Top Articles
Best Breakfast In Kingston Ontario
10 Of The Best Songs About Nashville: Music City Playlist
Cecil Burton Funeral Home | Shelby, North Carolina
Barstool Sports Gif
Ohio State Football Wiki
Td Share The Green Referral Credit
Who Owns Po Box 17316 Salt Lake City Utah
Eso Mud Ball Miscreant
Schluter & Balik Funeral Home Obituaries
Chesapeake Wv Topix
Mcdonalds 5$
Wieting Funeral Home
Matka 786 Guessing
Find The Eagle Hunter High To The East
Craigslist.com Seattle Wa
Summoner Calamity
AT&T Mission | Cell Phones, Wireless Plans & Accessories | 2409 E Interstate Highway 2, Mission, TX | AT&T Store
Brookdale Okta Login
Milwaukee Nickname Crossword Clue
Bigbug Rotten Tomatoes
Bbaexclusive
Vanessa Garske Reddit
Can You Put Elvie Stride Parts In Sterilizer
Bearpaws Tropical Weather
Mynorthwoodtech
Astried Lizhanda
Zillow Group, Inc. Aktie (A14NX6) - Kurs Nasdaq - MarketScreener
MySDMC SSO: Manatee County’s Digital Educational Access
Find Words Containing Specific Letters | WordFinder®
Erj Phone Number
5162635626
My Eschedule Greatpeople Me
Lost Ark Thar Rapport Unlock
Craigslist St. Paul
Brett Cooper Wikifeet
France 2 Journal Télévisé 20H
Planet Zoo Obstructed
Glassbox Eyecare
Wlox Jail Docket
Alison Pest Control
Porter House Ink Photos
Osceola County Addresses Growth with Updated Mobility Fees
Alt J Artist Presale Code
Naviance Hpisd
Legend Of Krystal Forums
Directions To Pnc Near Me
Po Box 6726 Portland Or 97228
Kamzz Llc
The Ultimate Guide To Lovenexy: Exploring Intimacy And Passion
Samanthaschwartz Fapello
Physician Dressed As A Sorceress Crossword Clue
18006548818
Latest Posts
Article information

Author: Tyson Zemlak

Last Updated:

Views: 6192

Rating: 4.2 / 5 (63 voted)

Reviews: 86% of readers found this page helpful

Author information

Name: Tyson Zemlak

Birthday: 1992-03-17

Address: Apt. 662 96191 Quigley Dam, Kubview, MA 42013

Phone: +441678032891

Job: Community-Services Orchestrator

Hobby: Coffee roasting, Calligraphy, Metalworking, Fashion, Vehicle restoration, Shopping, Photography

Introduction: My name is Tyson Zemlak, I am a excited, light, sparkling, super, open, fair, magnificent person who loves writing and wants to share my knowledge and understanding with you.