Inspira Financial Integration for Employers & Employees | Aetna (2024)

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  • Aetna Clinical Policy Bulletins (CPBs) are developed to assist in administering plan benefits and do not constitute medical advice. Treating providers are solely responsible for medical advice and treatment of members. Members should discuss any Clinical Policy Bulletin (CPB) related to their coverage or condition with their treating provider.
  • While the Clinical Policy Bulletins (CPBs) are developed to assist in administering plan benefits, they do not constitute a description of plan benefits. The Clinical Policy Bulletins (CPBs) express Aetna's determination of whether certain services or supplies are medically necessary, experimental and investigational, or cosmetic. Aetna has reached these conclusions based upon a review of currently available clinical information (including clinical outcome studies in the peer-reviewed published medical literature, regulatory status of the technology, evidence-based guidelines of public health and health research agencies, evidence-based guidelines and positions of leading national health professional organizations, views of physicians practicing in relevant clinical areas, and other relevant factors).
  • Aetna makes no representations and accepts no liability with respect to the content of any external information cited or relied upon in the Clinical Policy Bulletins (CPBs). The discussion, analysis, conclusions and positions reflected in the Clinical Policy Bulletins (CPBs), including any reference to a specific provider, product, process or service by name, trademark, manufacturer, constitute Aetna's opinion and are made without any intent to defame. Aetna expressly reserves the right to revise these conclusions as clinical information changes, and welcomes further relevant information including correction of any factual error.
  • CPBs include references to standard HIPAA compliant code sets to assist with search functions and to facilitate billing and payment for covered services. New and revised codes are added to the CPBs as they are updated. When billing, you must use the most appropriate code as of the effective date of the submission. Unlisted, unspecified and nonspecific codes should be avoided.
  • Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan to determine if there are any exclusions or other benefit limitations applicable to this service or supply. The conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna) for a particular member. The member's benefit plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary. If there is a discrepancy between a Clinical Policy Bulletin (CPB) and a member's plan of benefits, the benefits plan will govern.
  • In addition, coverage may be mandated by applicable legal requirements of a State, the Federal government or CMS for Medicare and Medicaid members.

See CMS's Medicare Coverage Center

  • Please note also that Clinical Policy Bulletins (CPBs) are regularly updated and are therefore subject to change.
  • Since Clinical Policy Bulletins (CPBs) can be highly technical and are designed to be used by our professional staff in making clinical determinations in connection with coverage decisions, members should review these Bulletins with their providers so they may fully understand our policies. Under certain circ*mstances, your physician may request a peer to peer review if they have a question or wish to discuss a medical necessity precertification determination made by our medical director in accordance with Aetna’s Clinical Policy Bulletin.
  • While Clinical Policy Bulletins (CPBs) define Aetna's clinical policy, medical necessity determinations in connection with coverage decisions are made on a case by case basis. In the event that a member disagrees with a coverage determination, Aetna provides its members with the right to appeal the decision. In addition, a member may have an opportunity for an independent external review of coverage denials based on medical necessity or regarding the experimental and investigational status when the service or supply in question for which the member is financially responsible is $500 or greater. However, applicable state mandates will take precedence with respect to fully insured plans and self-funded non-ERISA (e.g., government, school boards, church) plans.

See Aetna's External Review Program

  • The five character codes included in the Aetna Clinical Policy Bulletins (CPBs) are obtained from Current Procedural Terminology (CPT®), copyright 2015 by the American Medical Association (AMA). CPT is developed by the AMA as a listing of descriptive terms and five character identifying codes and modifiers for reporting medical services and procedures performed by physicians.
  • The responsibility for the content of Aetna Clinical Policy Bulletins (CPBs) is with Aetna and no endorsem*nt by the AMA is intended or should be implied. The AMA disclaims responsibility for any consequences or liability attributable or related to any use, nonuse or interpretation of information contained in Aetna Clinical Policy Bulletins (CPBs). No fee schedules, basic unit values, relative value guides, conversion factors or scales are included in any part of CPT. Any use of CPT outside of Aetna Clinical Policy Bulletins (CPBs) should refer to the most current Current Procedural Terminology which contains the complete and most current listing of CPT codes and descriptive terms. Applicable FARS/DFARS apply.

LICENSE FOR USE OF CURRENT PROCEDURAL TERMINOLOGY, FOURTH EDITION ("CPT®")

CPT only copyright 2015 American Medical Association. All Rights Reserved. CPT is a registered trademark of the American Medical Association.

You, your employees and agents are authorized to use CPT only as contained in Aetna Clinical Policy Bulletins (CPBs) solely for your own personal use in directly participating in healthcare programs administered by Aetna, Inc. You acknowledge that AMA holds all copyright, trademark and other rights in CPT.

Any use not authorized herein is prohibited, including by way of illustration and not by way of limitation, making copies of CPT for resale and/or license, transferring copies of CPT to any party not bound by this agreement, creating any modified or derivative work of CPT, or making any commercial use of CPT. License to use CPT for any use not authorized herein must be obtained through the American Medical Association, CPT Intellectual Property Services, 515 N. State Street, Chicago, Illinois 60610. Applications are available at the American Medical Association Web site, www.ama-assn.org/go/cpt.

Go to the American Medical Association Web site

U.S. Government Rights

This product includes CPT which is commercial technical data and/or computer data bases and/or commercial computer software and/or commercial computer software documentation, as applicable which were developed exclusively at private expense by the American Medical Association, 515 North State Street, Chicago, Illinois, 60610. U.S. Government rights to use, modify, reproduce, release, perform, display, or disclose these technical data and/or computer data bases and/or computer software and/or computer software documentation are subject to the limited rights restrictions of DFARS 252.227-7015(b)(2) (June 1995) and/or subject to the restrictions of DFARS 227.7202-1(a) (June 1995) and DFARS 227.7202-3(a) (June 1995), as applicable for U.S. Department of Defense procurements and the limited rights restrictions of FAR 52.227-14 (June 1987) and/or subject to the restricted rights provisions of FAR 52.227-14 (June 1987) and FAR 52.227-19 (June 1987), as applicable, and any applicable agency FAR Supplements, for non-Department of Defense Federal procurements.

Disclaimer of Warranties and Liabilities.

CPT is provided "as is" without warranty of any kind, either expressed or implied, including but not limited to the implied warranties of merchantability and fitness for a particular purpose. No fee schedules, basic unit, relative values or related listings are included in CPT. The American Medical Association (AMA) does not directly or indirectly practice medicine or dispense medical services. The responsibility for the content of this product is with Aetna, Inc. and no endorsem*nt by the AMA is intended or implied. The AMA disclaims responsibility for any consequences or liability attributable to or related to any use, non-use, or interpretation of information contained or not contained in this product.

This Agreement will terminate upon notice if you violate its terms. The AMA is a third party beneficiary to this Agreement.

Should the foregoing terms and conditions be acceptable to you, please indicate your agreement and acceptance by selecting the button labeled "I Accept".

The information contained on this website and the products outlined here may not reflect product design or product availability in Arizona. Therefore, Arizona residents, members, employers and brokers must contact Aetna directly or their employers for information regarding Aetna products and services.

This information is neither an offer of coverage nor medical advice. It is only a partial, general description of plan or program benefits and does not constitute a contract. In case of a conflict between your plan documents and this information, the plan documents will govern.

Inspira Financial Integration for Employers & Employees | Aetna (2024)

FAQs

What are the benefits of Aetna PayFlex? ›

PayFlex provides Aetna clients and members with more flexibility, as well as customized, easy-to-use tools and solutions to help manage health care expenses. PayFlex offers an integrated platform, multi-purse debit card, real-time authorization of expenses and online claim and provider payment services.

What does an Aetna Medicare payment card cover? ›

Aetna® Dual Eligible Special Needs Plans, or D-SNPs, give you an Aetna Medicare Extra Benefits Card to help pay for everyday expenses like healthy foods, over-the-counter health products and even rent. That's on top of our medical coverage and $0 copay for covered Part D prescriptions at in-network pharmacies.

What is an Aetna health fund plan? ›

Your Aetna health plan helps pay for health care services for you and your family. It covers preventive care at 100 percent. Plus, your plan limits how much you pay out of pocket. You own the health savings account.

What is Aetna GRP? ›

Aetna Group, is the world leader in the packaging sector, specialised in end-line solutions.

Is PayFlex now Inspira? ›

Millennium Trust Company and PayFlex have rebranded as Inspira Financial. The new brand marks a significant milestone in the companies' evolution into a comprehensive health, wealth, retirement, and benefits solutions provider.

Who is eligible for PayFlex? ›

No documentation required, but there are qualifying criteria that includes having a good credit rating and credit history. It's that simple.

Where can I use my Aetna Payflex? ›

You can use your card at qualified merchants where MasterCard® is accepted. This includes doctor and dental offices, hospitals, pharmacies (including mail-order prescriptions), and hearing and vision care centers. You may also use your card at some discount and grocery stores.

What kind of food can I buy with my Aetna benefit card? ›

With your Extra Benefits Card, you can purchase approved healthy foods that help you feel your best. That includes fruits and veggies, meat and seafood, healthy grains like bread and pasta, pantry staples like flour and spices and more.

Who qualifies for the Flex card? ›

To get a Medicare flex card, you must be eligible to enroll in a Medicare Advantage Plan that offers a flex card as a benefit. To be eligible for a Medicare Advantage plan, you must qualify for Original Medicare Parts A and B. This means you must be 65+ years of age or have a qualifying disability.

Can I withdraw money from my Aetna debit card? ›

A: You can use your Aetna HSA debit card or checks to get instant access to your HSA dollars to pay for qualified out-of-pocket expenses quickly and easily. Use your HSA debit card or checks, not your cash. The amount available for withdrawal at any time is equal to the available funds at the time of the withdrawal.

What is the best healthcare insurance? ›

  • Blue Cross Blue Shield. : Best all-around policies.
  • Oscar. : Excellent plan options.
  • Kaiser Permanente. : Lowest average deductible.
  • Cigna. : Excellent value.
  • Aetna. : Lowest premiums.
May 2, 2024

What is Aetna deductible? ›

A deductible is the amount you pay for coverage services before your health plan kicks in. After you meet your deductible, you pay a percentage of health care expenses known as coinsurance.

What company owns Aetna? ›

Aetna Inc.

Since November 28, 2018, the company has been a subsidiary of CVS Health. Aetna Inc.

What is the difference between Tier 1 and Tier 2 Aetna? ›

Tier 1 – Aetna® Premier Care Network Plus Multi-Tier providers. Utilizing a provider from this tier results in maximum savings for Aetna members. Tier 2 – Aetna Health broad network providers. Utilizing a provider from this tier results in standard savings for Aetna® members.

Does Aetna Senior Products offer silver sneakers? ›

SilverSneakers® Exercise and physical activity can help you maintain and improve your health. That's why Aetna Medicare Advantage plans offer the SilverSneakers fitness benefit at no additional cost.

What items does PayFlex cover? ›

This could be medical, vision, dental, prescriptions, plus over-the-counter stuff like pain relievers or cold and flu medicine. You can also pay for deductibles, co-pays, and co-insurance.

What foods can I buy with my Aetna extra benefits card? ›

With your Extra Benefits Card, you can purchase approved healthy foods that help you feel your best. That includes fruits and veggies, meat and seafood, healthy grains like bread and pasta, pantry staples like flour and spices and more.

Does PayFlex have a monthly fee? ›

Payflex offers a simple fee structure with no fees for failed payments or authorisations. Payflex charges a monthly subscription and a fee per transaction.

What is the PayFlex benefit card? ›

The PayFlex Card® is accepted at all qualified healthcare merchants including physician and dental offices, hospitals, mail order prescription vendors, hearing and vision care providers. The card can also be used at discount stores, grocery stores, and pharmacies, provided the merchant has implemented an IIAS.

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