Aetna Choice Point-of-Service (POS) II
Aetna Choice POS II is a PPO-style plan that gives you the freedom to receive care from any licensed provider and the opportunity to save when you use network providers.

How the Plan Works
If you enroll in the Aetna Choice POS II plan, you may receive care from any provider, but you benefit from lower, negotiated fees when you use in-network providers. You are not required to select a primary care physician (PCP) or obtain referrals for specialty care.

If you use in-network providers, you do not have to meet a deductible. However, if you choose to visit an out-of-network provider, you must meet a deductible as follows:

• Individual:      $500
• Family:           $1,000

Some services, such as doctors’ office visits, emergency room care and urgent care facility visits, require copays. Other eligible expenses are paid as follows:

• In-network: plan pays 90% and you pay 10%
• Out-of-network: plan pays 70% up to the reasonable and customary charge and you pay 30% plus any amount above reasonable and customary

Every year there is a limit to the amount you have to pay out of your pocket:

• In-network out-of-pocket maximum: $1,000 individual/$2,000 family
• Out-of-network out-of-pocket maximum: $2,500 individual/$5,000 family

If you reach this amount, the plan will pay 100% of covered medical expenses after you pay any applicable medical and prescription drug copays.