Small Business: 2-50 eligible employees

What do you get for your premium?

Small businesses need health benefits and insurance plans that fit their workplace. Aetna Avenue provides employers with a choice of valuable benefits solutions.

Our medical/pharmacy, dental and life & disability benefits work together to ensure appropriate care. We offer:

• Traditional plans - HMO, PPO* and POS
• Consumer-directed options – HSA**, HRA** and other offerings that save tax dollars

Read examples  (PDF) from businesses like yours that work with us.

The value of Aetna Avenue

Supporting businesses and employers

• 24-hour member services
• Benefits programs to choose, administer and use
• Insurance products that meet your business needs
• Online benefits administration
• Tools and resources to make it all easier
  • Access to complete health records
  • Aetna Health Connections^SM 
  • Manage health insurance benefits
  • Health and financial resources
  • Check claim status

We're reliable

We have:

• A 150-year history with plan sponsors and members
• 18 million members
• A wide, network of doctors, providers and hospitals

We're committed 

In 2008, we received the top average score across all categories in the Sixth Annual Semi-Annual UBS Benefit Consultant Survey. Categories included service, network, and utilization management.****

Since 1980, we and the Aetna Foundation have contributed more than $334 million in grants and sponsorships to fund projects in health, human services, neighborhood revitalization, and arts and culture.*****

We make it easy

• Estimate common health care costs
• Review who is covered
• Research drug costs and alternatives
• Find health information
• Find doctors, hospitals and clinics
• Request and print temporary ID cards

Nationwide tax savings

Small businesses in every state, as well as the District of Columbia, can take advantage of several ways   (PDF) to save tax dollars, for both your business and its employees. See our pricing guide  (PDF).

With our Premium Only Plan  (PDF), your employees use pretax dollars to pay for their portion of health insurance premiums. We offer direct deposit, a secure website, and automatic processing of Aetna health claim reimbursements.

A Flexible Spending Account allows employees to save for health expenses and/or dependent care expenses with pretax dollars. A wide range of health expenses are eligible, including eyeglasses, dental expenses and over-the-counter drugs. Dependent care expenses can be applied to child care, elder care, or both.

A Health Reimbursement Arrangement ** is an employer-funded account. Employees can use an HRA to pay for qualified medical expenses.

Participate in our Transit Reimbursement Account   (PDF) and let your employees use pretax dollars to pay for work-related public transportation or parking.

You also can save tax dollars with a Health Savings Account (HSA)**:

• Put in money from your paycheck before taxes.
• Add tax-free money on your own. Use the money to pay for covered services.
• Put money away for future expenses.
• Earn tax-free interest.

HSA documents for you:

• How to Enroll   (PDF)
• Fact Sheet   (PDF)

HSA documents for your employees:

• HSA Brochure   (PDF)
• HSA FAQ   (PDF)
• Investment brochure  (PDF)
  

Take a bite out of COBRA

We administer COBRA coverage  (PDF) nationwide. COBRA is named for an act of Congress. When a worker loses health benefits, COBRA gives the option to continue group health insurance coverage. Health plans for employers with 20 or more employees generally are subject to COBRA. We can handle all the requirements and administration for you. See our pricing guide  (PDF) for more details.

*In Texas, the Preferred Provider Organization (PPO) plan is known as the Participating Dental Network (PDN)
**HSAs and HRAs are currently not available to HMO members in Illinois. HRAs are currently not available for Small Business in Florida.
***For businesses with 2 to 50 eligible employees; 2 to 99 employees in Arizona
****6th Semi Annual UBS Consultant Survey, UBS Investment Research, http://www.ubs.com/investmentresearch, May 2008
*****http://www.aetna.com/foundation