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Small Business HMO Providers
AETNA

HMO
In the HMO plan, members choose a participating primary care physician/provider (PCP) to manage care and make referrals. For each visit, members pay a copayment.

Open Access HMO
Aetna's Open Access™ plan provides your employees with greater freedom of choice in accessing health care. Open Access is similar to the HMO plan except referrals are not required to visit a network provider for covered services. Members have the option to see their PCP and pay a copayment, or go directly to network specialists without a PCP referral and pay the specialist copayment.

CIGNA

CIGNA HealthCare HMO
CIGNA HealthCare HMO gives your employees the highest level of care management and cost control. In addition, a wide range of wellness programs is offered such as informative publications, low-cost or no-cost preventive care, and valuable discounts on health and fitness-related services.

CIGNA HealthCare Network Plan
The HealthCare Network Plan is just like a traditional HMO where members choose a primary care physician to manage all of their care. Features include predictable out-of-pocket costs, virtually no paperwork, and coverage for emergency and urgent care, 24 hours a day, anywhere in the world.

UNITEDHEALTHCARE

UnitedHealthcare Choice and Choice Plus:
UnitedHealthcare Choice and Choice Plus provide the freedom to visit any physician, even specialists, without a referral. It is recommended but not required to have a primary care physician to coordinate health care.

UnitedHealthcare Choice and Choice Plus Highlights:

  • Go to any physician
  • Visit specialists without a referral
  • Low copayments
  • Little or no out-of-pocket costs for network care
  • No claim forms or bills for network care

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