Aetna Choice Point-of-Service II
Administered by Aetna, the Point-of-Service (POS) II plan doesn’t require a Primary Care Provider (PCP) or referrals, even when using in-network providers. You can go to any provider, but your out-of-pocket costs are based on the type of provider you use:
- In-Network Providers
When you use health care providers who are part of the Aetna Choice POS II network:
- Preventive care services are covered at 100%.
- Provider office visits are covered at 100% after copays.
- Most other services are covered at 80% after a deductible; you pay 20% of the covered charges.
- Out-of-Network Providers
When you use health care providers who aren’t part of the Aetna Choice POS II network:
- Most services, including preventive care, are covered at 60% after a deductible; you pay 40% of the covered charges.