Insurance
Aetna
Aetna Open Choice HDHP
Deductible
$3,000
individual
OOP Max
$7,000
individual
Coinsurance
20%
after deductible
Copays
Coverage Summary
Treatment Options
Pick a condition, compare options, mark your preferred pathSSRI (sertraline/escitalopram)
Selective serotonin reuptake inhibitor. First-line pharmacotherapy for GAD, SAD, panic disorder. Sertraline 50-200mg; 4-6 weeks for full effect.
Tier 1 generic; -15/mo; no prior auth needed
App-Based Therapy (Headspace / BetterHelp)
Digital CBT or guided mindfulness apps. BetterHelp provides weekly live therapy at -100/week. Headspace Health reduces anxiety scores by 30% in RCTs.
Some plans reimburse /bin/zsh-30/month via wellness benefit; check plan perks section
CBT / Talk Therapy
Cognitive Behavioral Therapy is the gold-standard psychotherapy for anxiety. 12-20 sessions. Response rate 60-80%. More durable than medication alone.
Covered mental health; -50 copay per session under mental health parity law
Perks You're Probably Not Using
Already paid for — just claim themAetna includes these benefits that most members never claim
Diabetes Management Program (Livongo)
Free Livongo by Teladoc diabetes management kit (meter, strips, scale) + unlimited data-driven coaching
Chronic DiseaseMental Health Parity Coverage
Behavioral health visits covered at same level as medical; no separate deductible; access to Teladoc mental health at /bin/zsh
Mental HealthMinuteClinic + Teladoc (/bin/zsh)
/bin/zsh copay for Teladoc virtual visits plus reduced-cost CVS MinuteClinic visits for non-emergency care
TelehealthPreventive Care at /bin/zsh
Annual physical, well-woman exam, and ACA-mandated screenings at zero cost when in-network
PreventiveNurse Line + Case Management
24/7 nurse advice line plus complex case management coordination for members with serious diagnoses
Nurse / SupportAetna Health app Wellness Rewards
Earn up to /year in rewards for completing health activities and preventive care in the Aetna Health mobile app
RewardsFertility & Family Planning Support
Coverage for fertility consultations and family planning counseling; Progyny partnership on select plans
MaternalOTC Benefit (-150/quarter)
OTC benefit for eligible health products — vitamins, cold/flu, pain relief, first aid — ordered online or at CVS
WellnessAetna Fitness (Active&Fit Direct)
Free gym membership or /month reimbursement at thousands of locations nationwide via Active&Fit network
FitnessAdditional benefits