Tough questions welcome. We’ll take the easy ones, too.

Got a question about Banner|Aetna Individual & Family plans?

There’s a great chance we’ve covered it here. Find simple answers about enrollment, our network, using your plan and more.

Enrolling in a plan

See how easy it is to get coverage with tips to help you shop for Banner|Aetna Individual & Family plans, qualify for savings and set up your member account.

Do you sell plans directly through Banner|Aetna?

Yes. Banner|Aetna sells both on the marketplace plans and off the marketplace plans directly.

What's the difference between Banner|Aetna on the marketplace plans and off the marketplace plans?

Below you’ll find the differences between the two types of plans.

On the marketplace plans:

Are eligible for government subsidies
Don’t include pediatric dental benefits

Off the marketplace plans:

Mirror on-exchange plan benefits but aren’t eligible for subsidies
Include pediatric dental benefits

How long will it take to receive my member ID card after I make my initial payment?

If you enroll and make your binder payment between 11/1 and 12/8, your card will be mailed on 12/8. If you enroll any time after 12/8, then your ID card will be mailed after your binder payment is made.

Can I access my ID card online or on my phone?

Once your coverage begins, you can access your member ID card by visiting your member website at BannerAetna.com. You can also pull up your member ID card on your phone through our Aetna Health℠ mobile app. You can download Aetna Health from the Google Play Store or the Apple^® App Store^®.

Apple is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google LLC.

How can I access and manage my online health plan account?

Once you've enrolled in coverage and made your first payment, you can register on your secure member website at BannerAetna.com. To register, you'll need the member ID number from your member ID card. Please note that you won't be able to log in until your coverage begins.

Will dependents ages 18 years and older receive their own member ID cards?

Yes. Dependents ages 18 years and older will receive their own member ID cards.

When will I be able to access my online health plan account and manage my benefits through the Banner|Aetna website or mobile app?

After January 1, 2022, or the date when your health plan coverage begins, you will be able to set up and have access to your online health plan account.

Finding providers

Here are steps to locate network providers, change your primary care provider and more. Staying in-network helps you save.

Does my plan cover services received from providers or hospitals outside of my network?: Health care providers and facilities that are not included in your network are not covered by your plan, except in the case of an emergency, or if you receive a surprise bill. The name of your network is on your member ID card.
Are MinuteClinics^®* visits covered by my plan?: Yes. You can visit any of the 36 MinuteClinics at HealthHUB¹ locations in Maricopa, Pinal and Pima counties for low or even no additional cost.

Using your plan

You can make the most of your Banner|Aetna Individual & Family plan with information about wellness programs, plan cost-sharing and special plan discounts.

How will I know when I’ve met my deductible?: You can find the status of your deductible — both for an individual and for your family — in the Explanation of Benefits section of the Banner|Aetna member website at BannerAetna.com or on our Aetna Health Mobile App^SM for Banner|Aetna members. You can download the Aetna Health Mobile App^SM for Banner|Aetna members from the Google Play Store or the Apple^®App Store^®.

Apple is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google LLC.
Do copays count towards my deductible?: Copays don't count toward your deductible.
How do I set up my Health Savings Account (HSA) if I have purchased a high-deductible health plan (HDHP)?: After you’ve enrolled, we’ll send you information on how to set up your HSA.
When do I have to start paying coinsurance (rather than a copay)?: Coinsurance begins after you've met your deductible.
If my prescription requires prior authorization, how long will that take?: It can take up to 24 hours to receive a prior authorization determination for urgent requests and up to 72 hours to receive a prior authorization determination for non-urgent requests.
Are there any health and wellness programs or discounts available for Banner|Aetna members?: Yes. With the ExtraCare^® Health program, members get a 20% discount on CVS Health^® brand health care products.

Paying your bill

You have convenient ways to pay your bill — and you’ll find all the answers about how and when to do it here.

How do I make a premium payment?

You have a few options. You can pay:

By phone at 1-844-365-7373
Online by logging into your secure member website on BannerAetna.com
At your local CVS^® Pharmacy store (there is a daily transaction limit of $999 per transaction at CVS stores.) You’ll need to present the payment coupon included with your monthly billing invoice.
By mail (checks must be mailed along with the payment coupon included with your monthly billing invoice).

If you pay by check, you'll need to include the payment coupon from your monthly billing invoice. Then send the check to the address provided on your invoice.

What forms of premium payment are accepted?

The following forms of payment are accepted:

Credit/debit
Direct payment from your bank (ACH)
Check/money order
Cash (only at a CVS^® Pharmacy store location)

Can I pay my monthly premium bill at a CVS^® store? What information do I need to make a payment?

Yes. As an ACA individual member, you can make cash, or credit and debit card premium payments at any CVS Pharmacy retail location at no extra cost to you.

When you make a payment, just present the barcode printed on your monthly billing invoice. There is a daily transaction limit on payments of $999. Your payment will be posted to your account within 48 hours.

When do I get my monthly premium invoice? When is my monthly premium payment due?

Invoices are produced on the fifth day of each month for the amount due for the following month. The due date is the last day of the current month you received your invoice. For example, you'll receive your July bill on June 5, and it is due the last day of June.

Is there a grace period to pay my premium?

If you’re receiving a tax credit to help pay for your coverage, you have a three-month grace period. This means you have three months to pay your premium due. If you aren’t receiving a tax credit to help pay for your coverage, you have a 31-day grace period to pay your premium due.

Can I pay my premium before the due date?

Yes, you can pay your premium in advance, including for the full plan year.

How do I set up automatic premium payments?

You can set up AutoPay by logging into the Banner|Aetna member website at BannerAetna.com. Then choose “AutoPay” from the navigation panel.

* For a complete list of participating pharmacies and walk-in clinics, log in to BannerAetna.com and use our provider search tool.

¹Includes select MinuteClinic^® services. Not all MinuteClinic services are covered. Please consult benefit documents to confirm which services are included. Members enrolled in qualified high-deductible health plans must meet their deductible before receiving covered non-preventive MinuteClinic services at no cost-share.

Transforming health care, together

Banner|Aetna aims to offer access to more efficient and effective member care at a more affordable cost. We join the right medical professionals with the right technology, so members benefit from quality, personalized health care designed to help them reach their health ambitions.

Health benefits and health insurance plans are offered, underwritten, and/or administered by Banner Health and Aetna Health Insurance Company and/or Banner Health and Aetna Health Plan Inc. (Banner|Aetna). Banner|Aetna is an affiliate of Banner Health and of Aetna Life Insurance Company and its affiliates (Aetna). Each insurer has sole financial responsibility for its own products. Aetna and Banner Health provide certain management services to Banner|Aetna. Aetna, CVS Pharmacy^® and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health^® family of companies.

98point6^® is a registered trademark of 98point6 Inc. Access to 98point6^® is not included in all plans. 98point6 is available to members age 1-17 when an adult parent or guardian is also enrolled in the plan.

Availity^® is a registered trademark of Availity, LLC.

This material is for information only. An application must be completed to obtain coverage. Rates and benefits vary by location. Providers are independent contractors and are not agents of Banner|Aetna. Provider participation may change without notice.

Health insurance plans contain exclusions and limitations.