Area 1 Counties Aetna Open Access Managed Choice Health Insurance Plan Monthly Rates (Effective 1 1 2025

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The Aetna Open Access plan is a health maintenance organization (HMO) plan that gives members more freedom. Members can visit any in-network provider, like a primary care physician (PCP) or specialist, for covered services without a referral.
An open access HMO differs from a traditional HMO in that it typically allows employees to see in-network specialists without a referral, but still will not cover out-of-network providers other than emergency care. The gist: Open access HMOs are less expensive but more limiting than a PPO.
Aetna, which ranked well in a number of Insure.com survey categories, took third place on Insure.coms 2025 Best Health Insurance Companies list earning 4.10 stars out of 5.
The Aetna Open Access Managed Choice plan takes some of the managed out of managed care, while keeping the savings. Members can visit any provider. And while we dont require PCP selection, we encourage it to promote guided, quality care.
The Aetna Open Access Managed Choice plan takes some of the managed out of managed care, while keeping the savings. Members can visit any provider. And while we dont require PCP selection, we encourage it to promote guided, quality care. Plan highlights. Managed care with freedom.
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What is an Open Access Plus (OAP) plan? Open Access Plus (OAP) plans make it easy to get quality, in-network care with access to a large, national network of providers. Plus, you have the option to choose a primary care provider to coordinate your care and you dont need specialist referrals.
With Aetna Managed Choice plans, you may choose a doctor in our network with or without a PCP referral. You may also choose to visit an out-of-network doctor. We cover the cost of care based on your choices. With Aetna Elect Choice plans, you are required to get a referral from your PCP before you can see a specialist.

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