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Legal Notices

Equal Opportunity and Affirmative Action

We are proud to be an Equal Opportunity and Affirmative Action employer. It is our goal to have a work force that reasonably reflects the diversity of qualified talent that is available in relevant labor markets. This commitment to Equal Opportunity/Affirmative Action governs decisions related to all aspects of employment, including recruiting, selection, development, compensation and benefits. We do not base these decisions on personal characteristics or status, such as:

  • Race or ethnicity
  • Color
  • Sex
  • pregnancy
  • National origin
  • Citizenship
  • Ancestry
  • Religion
  • Age
  • Disability
  • Military status
  • Veteran status
  • Sexual orientation
  • Gender identity and/or expression
  • Marital or family status
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How Allina Health | Aetna pays out-of-network benefits

Save money by staying in network

We’re here to help you understand what “staying in network” really means.

A network is a group of health care providers. It includes doctors, specialists, dentists, hospitals, surgical centers and other facilities. These health care providers have a contract with us.

As part of the contract, they offer services to our members at a certain contract rate. This rate is usually much lower than what they would bill if you weren’t an Allina Health | Aetna member. And they agree to accept the contract rate as full payment. You pay your coinsurance or copay along with your deductible.

Some plans don’t offer any out-of-network benefits. For those plans, out-of-network care is covered only in an emergency. Otherwise, you’re responsible for the full billed amount of any care you receive out of network.

The information on this page is for plans that offer both in-network and out-of-network coverage.

Why out-of-network care costs more

There may be times when you decide to visit a doctor that’s not in the network. If you go out of network, your out-of-pocket costs are usually higher. There are many reasons you’ll pay more if you go outside the network. Keep reading to learn more.

Your health plan pays less when you go out of network

Your Allina Health | Aetna health benefits or insurance plan may pay part of your doctor’s bill. But it pays less of the bill than it would if you got care from a network doctor.

Also, some plans cover out-of-network care only in an emergency.

Out-of-network rates are higher

An out-of-network doctor sets the amount to charge you. And it’s usually higher than the amount your Allina Health | Aetna plan “recognizes” or “allows.”

We don’t base our payments on what the out-of-network doctor bills you. We don’t know in advance what the doctor will charge.

An out-of-network doctor can bill you for anything over the amount that Allina Health | Aetna recognizes or allows. This is called “balance billing.” A network doctor has agreed not to do that.

Cost sharing is more when you go out of network

What you pay when you are balance billed does not count toward your deductible. And it’s not part of any cap your plan has on how much you have to pay for covered services.

Many plans have a separate out-of-network deductible. This is higher than your in-network deductible (sometimes, you have no deductible at all for care in the network). You must meet the out-of-network deductible before your plan pays any out-of-network benefits.

With most plans, your coinsurance is higher for out-of-network care. Coinsurance is the part of the covered service you pay after you reach your deductible (e.g. the plan pays 80 percent of the covered amount and you pay 20 percent coinsurance).

You’ll have more paperwork when you go out of network

You’ll have to get authorization for some medical procedures before they’re done. We call this precertification.

Some common procedures that need precertification include non-emergency surgery, out-patient physical rehabilitation, inpatient hospice, CT scans and MRIs.

If you go out of network, precertification means more time and more paperwork for you. If you visit an in-network doctor, that doctor will handle precertification for you.

How we decide what to pay for out-of-network care

The plan you have decides how much you pay for out-of-network care. The exact amount depends on the:

  • Method that your plan uses to set the “recognized” or “allowed” amount
  • Percent of the allowed amount to be paid by the plan (like 80 percent or 60 percent).

Your plan may base the allowed amount on a rate schedule from:

  • Medicare-based rates, which are decided and maintained by the government
  • “Reasonable”, “usual and customary” and “prevailing” rates, which are found in a database of provider billed amounts
  • Other types of rate schedules

To find the method and percent, just check your plan documents. Or you can contact us at the toll-free number on your member ID card.

See how we might calculate costs for an out-of-network office visit

You’re covered for emergency care

  • You have emergency care coverage while you’re traveling or near your home. This includes students who are away at school.
  • When you need emergency care (for example, due to a heart attack or car accident), go to any doctor, walk-in clinic, urgent care center or emergency room. When you have no choice, we’ll pay the bill as if you got care in network. You pay your plan’s copayments, coinsurance and deductibles for your in-network level of benefits.
  • We’ll review the information when the claim comes in. If we don’t think the situation was urgent, we might ask you for more information and may send you a form to fill out. You can complete the form or call Member Services to give us the information over the phone.

Information for people who have lost group coverage

Below is information regarding your options if you lose your group health care coverage.


If your employer is subject to federal COBRA, you may be able to continue your group health plan coverage on a temporary basis. This coverage, however, is only available when coverage is lost due to specific events. For more information, just contact your employer.

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Your Rights and Protections Against Surprise Medical Bills

When you get emergency care or you’re treated by an out-of-network provider at an in-network hospital, or ambulatory surgical center or by an air ambulance provider, you are protected from surprise billing or balance billing.

Learn more about the federal No Surprises Act

Effective solutions that fit a variety of needs

Our health coverage solutions bring together local expertise with the experience of a leading national insurance brand. We provide plans that deliver the services members value with the type of cost clarity that gives peace of mind.

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Legal Notices: Health benefits and health insurance plans contain exclusions and limitations.

Health benefits and health plans are offered, underwritten or administered by Allina Health and Aetna Insurance Company (Allina Health | Aetna).  Allina Health l Aetna is an affiliate of Aetna Life Insurance Company and its affiliates (Aetna).  Allina Health | Aetna has sole responsibility for its products and services. Aetna provides certain management services to Allina Health | Aetna. Aetna and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are both within the CVS Health family.

Allina Health | Aetna is the brand name used for products and services provided by Allina Health and Aetna Insurance Company.

This material is for information only and is not an offer or invitation to contract. Health benefit plans contain exclusions and limitations. Providers are independent contractors and not our agents. Provider participation may change without notice. We do not provide care or guarantee access to health services. Not all health services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability are subject to change and may vary by location. If you are in a plan that requires the selection of a primary care physician and your primary care physician is part of an integrated delivery system or physician group, your primary care physician will generally refer you to specialists and hospitals that are part of the delivery system or physician group. Information is believed to be accurate as of the production date; however, it is subject to change.

*Applies only to covered services at MinuteClinic. Members in indemnity plans are not eligible for this benefit. Such members should refer to their benefit plan documents in order to determine coverage and applicable cost share for walk-in clinic benefits and services, as applicable. Visit for age and service restrictions. Eligible members enrolled in qualified high-deductible plans must meet their deductible. However, such services would be subject to negotiated contract rates. Once the deductible has been met, members will be able to access MinuteClinic services at no cost share. Aetna and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are both within the CVS Health family. Aetna is not responsible for services received at MinuteClinic locations. 98point6 and 98point6 physicians are independent contractors and are neither agents nor employees of Allina Health | Aetna or plans administered by Allina Health | Aetna and does not guarantee that a prescription will be written.

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