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The Choice is Yours Aetna offers easy to understand health benefit plans. Even if you like the plan you’re in, it’s a good idea to review your plan selections every year.


All Aetna medical plans:

All health plans give you access to quality doctors and hospitals, free 24-hour nurse hotline and a secure website to keep all of your personal health records in one place. You can learn more about any of these plans by clicking on the tabs above.

Plans at a Glance

You can also view all Aetna plans side-by-side with the Plans at a Glance pdf

Not sure which plan is right for you?
View a quick comparison of plans with the Benefits at a Glance pdf.

Click here for the Summary of Benefits and Coverage page on the Division of Pension and Benefits website.

The Aetna Discount Program can help you save money, stay healthy and live well! When you enroll in an Aetna health benefits plan, you also get the Aetna extras! You pay nothing extra to access the discounts that can help you and your family save every day.

  • Work out and save on gym memberships and home fitness products
  • Lose weight with online and at home weight loss programs and diet plans
  • Hear what you’re missing with hearing products and services
  • See clearly — and in style — with vision products and services
  • Relax with specialty health care products and services

How to enroll
Enroll now by visiting the State of New Jersey Division of Pension and Benefits website and downloading an application. You can also call 1-877-STATENJ (1-877-782-8365) and talk to someone from Member Services who knows all the details about the available Aetna plans.

Aetna Freedom Plans Aetna Freedom Plans at a Glance

Four Aetna Freedom plans:
Preferred Provider Organization (PPO)

  • Aetna Freedom 10*
  • Aetna Freedom 15
  • Aetna Freedom 1525
  • Aetna Freedom 2030
  • Aetna Freedom 2035

Enjoy the freedom to visit any health care professional nationwide – in or out of the Aetna network. Aetna Freedom plans have either a modest deductible or no deductible at all, and require a copay or coinsurance. Preventive care is covered at 100% - without a copay.

To find more information on the pharmacy copayments connected to your medical plan, view the 2015 Pharmacy Copayments document. You may also visit the Division of Pensions and Benefits website.

How the Plan works:

Step 1: Decide if you want to go in-network or out-of-network for your care.
You have the freedom to choose any doctor — in or out of the Aetna network. But, with so many primary care doctors and specialists in New Jersey’s Aetna network, chances are your doctor is one of them. You can find out right now! Visit your custom DocFind® site to search by a specific name or by zip code.

Step 2: Visit your doctor or other health care provider.

  • Show your Aetna Member ID card when you go.
  • Network doctors will submit claims. If you go outside the network, you can download claim forms from your secure Aetna Navigator® website
  • Network doctors will precertify services like hospital stays and outpatient surgery on your behalf. If you go outside the network, you may have to get those permissions yourself. Just call the toll-free number on your Aetna Member ID card to do so.

Step 3: Pay your share of the cost.

  • You’ll generally pay less if you stay in the Aetna network. We negotiate rates with providers in the Aetna network. But, we cannot control the amount an out-of-network provider may charge.
  • Most Aetna Freedom plans have no deductible for in-network services and a modest deductible for out-of-network services.
  • You pay a flat copay for most in-network services. If you go outside the network, you pay a percent of the cost.

*State employees are not eligible for the Aetna Freedom 10 plan.

Aetna Value HD Plans Aetna Value HD Plans at a Glance

Two Value HD plans:
High Deductible Health Plans (HD)

  • Aetna Value HD1500*
  • Aetna Value HD4000**

An Aetna Value HD plan allows you to get more value with a low premium in exchange for a high deductible. Need to see a doctor — enjoy the freedom to choose any health care professional — in or out of the Aetna nationwide network. You can also build a tax-advantaged Health Savings Account (HSA) to put money aside for qualified health care expenses or even save towards retirement with pretax dollars. In 2015, you may contribute up to $3,350 for individuals and $6,650 per family.

You control your health care spending with tools that can help you find the best value for your money. You can also build a tax-advantaged HSA to help pay your share of any health care costs.

For High Deductible Health Plans, prescription drug coverage must be through the SHBP/SEHBP medical plan and are subject to the plan’s deductible and coinsurance amounts. To find more information about your pharmacy coverage, please visit the Division of Pensions and Benefits website.

How the Plan works:

Step 1: Make contributions to your HSA.

  • Your contributions are tax free
  • Your interest earned is tax free
  • You pay no taxes on qualified expenses when you use your funds
  • You get investment options when your balance reaches $2,000

What a great value!

Step 2: Visit a health care professional.
You may use in or out-of-network doctors, hospitals and other health care professionals. Network doctors are a smart value because we’ve negotiated special rates for Aetna members. You can use the Aetna price and quality comparison tools to shop for the best value.

Network doctors will also submit claims and get approvals for you. You never need referrals with an Aetna Value HD plan.

Step 3: Pay your share of the cost.
You must first meet a deductible before the plan begins to pay benefits. You choose whether to pay out of your own pocket or use the funds in your HSA.


*Part-time employees are not eligible for the Aetna Value HD1500 plan.

**Local education employees are not eligible for the Aetna Value HD4000 plan.

Aetna HMO Plans Aetna HMO Plans at a Glance

Three Aetna HMO plans:
Health Maintenance Organization (HMO)

  • Aetna HMO
  • Aetna HMO 1525
  • Aetna HMO 2030
  • Aetna HMO 2035

Choose a nationwide HMO plan if you like predictable costs. These HMO plans are so simple to use. Just choose a primary care physician (PCP) to be your first point of contact when you need health care. Then, simply call your PCP whenever you need care. Your PCP will build a relationship with you and get to know your health needs. Your PCP will also refer you to a specialist whenever you need one. How simple is that?

Most HMO plans have no deductible with a modest copay for most services.
Preventive care is covered at 100% — without the copay.

To find more information on the pharmacy copayments connected to your medical plan, view the 2015 Pharmacy Copayments document. You may also visit the Division of Pensions and Benefits website.

How the Plan works:

Step 1: Choose a primary care physician (PCP) from the Aetna network.

  • Your PCP is the doctor you go to first. He or she will help you learn about your health and how to manage it.
  • Choosing a doctor is a personal decision. That’s why each family member has his or her own PCP.
  • Change your PCP anytime. Just call Member Services at the number on your member ID card.

Step 2: See your doctor for checkups, or whenever you are sick or hurt.

  • Your PCP is the doctor you go to first. He or she will help you learn about your health and how to manage it.
  • Choosing a doctor is a personal decision. That’s why each family member has his or her own PCP.
  • Change your PCP anytime. Just call Member Services at the number on your member ID card.

Step 3: Pay your share of the cost.
A copay is the fixed dollar amount that you pay at the time of services and coinsurance is your share of a covered service. It is based on which plan you selected. There may be a different copay if you need a specialist for other services. It’s that simple! There’s not even any paperwork involved.

Your PCP will:

  • Send in any claims for services
  • Get approval for coverage of some services when needed
  • Usually send referrals electronically to specialists