https://nafhealthplans.com/benefits-101
NOTE: There is a link to view all applicable plan documents for the health plans on the page entitled View 2026 quick links to review plan documents. Should update each year.
These resources can help you understand your benefits and how to put them to good use:
- Be Prepared – Take these simple steps after you enroll – Don’t get caught off guard by a surprise health issue. Set up these accounts as soon as you’re enrolled in a plan, and find providers near you.
- Compare the costs of care ahead of time – Not all providers charge the same amount for the same procedure or medicine. Learn how to use tools from Aetna® to shop around for the best care at the best price.
- Know where to go for care – The emergency room (ER) is for true emergencies. Know when to go there — and explore your options for less urgent issues to save time and money.
- Learn how Aetna makes coverage decisions – Learn what medical necessity means, what Clinical Policy Bulletins include, and how they affect what’s covered by your plan. (Tip: Your plan documents are your best guide!)