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Frequently Asked Questions

What can I expect with the new health plan starting January 1, 2026?

We’re excited to welcome Jackson Health System employees and their families to Aetna. Beginning January 1, 2026, you’ll have access to enhanced benefits, a broader network of providers, and improved member services, all designed to support your health and well-being.

Jackson Health System selected Aetna after a comprehensive review of employee needs, provider access, plan performance, cost trends, and service quality. Aetna’s offerings are well-positioned to deliver a high-quality health care experience now and into the future.

Open Enrollment

When is Open Enrollment?

Open Enrollment runs from November 3 through November 19, 2025. This is your opportunity to review and make changes to your benefits for the upcoming year.

How do I make changes to my benefits?

Log into the INFORMS Benefits Portal to view your current elections and make any updates.

What benefits can I update during Open Enrollment?

You can modify your elections for:

  • Medical
  • Dental
  • Vision
  • Disability
  • Legal Plan
  • Other voluntary benefits

Do I need to verify my dependents?

Yes. Please verify dependent eligibility to ensure coverage continues without interruption. This includes all enrolled dependents, including overage dependents between the ages of 26 to 30.

Details about the verification process for overage dependents will be available during Open Enrollment.

What if I don’t want to make any changes?

No action is required.

General Coverage and ID Cards

Will my coverage remain the same?

Yes. Your coverage under Jackson Health System’s self-funded health plan will not change. You will still have access to preventive care, treatment for medical conditions, surgeries, and prescription drug coverage, like you do today. You’ll also gain access to new enhancements designed to improve your well-being. These include:

  • Additional care management programs
    Personalized support from a clinical team to help you reach your health goals, with guidance to local resources when needed.
  • Enhanced digital tools
    Convenient access to your health information, providers, and wellness resources through web and mobile platforms.
  • MinuteClinic® visits
    Get low-cost access to covered services for minor illnesses, injuries, skin conditions, women’s health needs, vaccines, and preventive care, often at a lower cost than urgent or emergency care.
  • CVS Virtual Care®
    MDLive is being replaced by CVS Virtual Care, where you can get the convenient, flexible care you need. We can connect you with trusted, in-network providers to schedule a virtual visit. Call 1-877-211-5678 to get started.

Will my deductible, copays, coinsurance, or out-of-pocket maximum remain the same?

Yes, these amounts will remain the same.

Should I give my provider a copy of my new ID card?

Yes. Starting January 1, 2026, your provider and pharmacy will need your new Aetna member ID card to process claims correctly. You will receive your card in December, after you make your plan selections during Open Enrollment. Be sure to share it with your provider and pharmacy once your coverage begins.

Provider Access and Networks

Will I have access to more doctors?

Yes, Aetna’s Network includes over 49 hospitals and over 30,000 physicians. It is a national network that will give you access to seamless care, even out of state.

Will I need to choose a new doctor?

In most cases, no. With Aetna’s local and national networks, you’ll likely be able to continue seeing your current providers. To confirm, it’s easy to search for in-network providers:

How to Find a Provider

Select the appropriate plan option under from the links below:

  • Under “Continue as a Guest,” enter your home location (ZIP code, city, county, or state) to view providers specific to your plan. You can also set a search radius of up to 100 miles.
  • Search by provider name in the search bar or select “Medical Doctors & Specialists.”
  • Click or search for a specific provider type and your list will appear.
  • If you need the name of your Aetna Plan Name when making an appointment, please refer to the chart below:
2026 Jackson Health Plan Name Aetna Plan Name
Jackson First HMO Aetna Select℠ (Open Access)
Jackson Select HMO Aetna Select℠ (Open Access)
Jackson POS Aetna Choice® POS II (Open Access)
  • You can search by provider name, provider type, or category.  Categories include:
    • Medical Doctors & Specialists
    • Hospitals & Facilities
    • Urgent Care & Walk-In Clinics
    • Pharmacies
    • Behavioral Health
    • Labs & Testing
    • Alternative Medicine
    • Durable Medical Equipment
    • Common Procedures & Conditions
    • Institutes of Quality/Excellence

View results in either list view or map view to explore your options.

What does having access to a national network mean?

You and your family will have access to care across Florida and throughout the country. Whether you're traveling, or have a student living out of the area, you’ll be able to receive care just like you would at home using your Aetna member ID card, with no extra paperwork or special steps required.

If I am pregnant or in active course of treatment and my doctor is not in the network, will I have any gaps in coverage? What Transition of Care (TOC) coverage will I have?

Aetna’s network has a 99% provider match, so most members will find that their current doctors are already in the network. In the rare case that your provider isn’t in the network and you’re pregnant or receiving ongoing treatment, you may be eligible for Transition of Care (TOC) coverage.

TOC is temporary coverage designed to help you continue care without interruption while you transition to Aetna. If approved, your provider must use a health care facility, durable medical equipment (DME) vendor, or pharmacy vendor that’s part of the Aetna network.

We’re here to make sure your care continues smoothly, with no gaps. TOC forms are available in English and Spanish to help get the process started.

What is considered an ‘active course of treatment’ for purposes of Transition of Care?

An active course of treatment is when you have begun a program of planned services with your doctor to correct or treat a diagnosed condition. The start date is the first date of service or treatment. An active course of treatment covers a certain number of services or period of treatment for special situations. Some active course of treatment examples may include, but are not limited to:

  • Members who enroll with Aetna beyond 20 weeks of pregnancy, unless there are specific state or plan requirements (Members less than 20 weeks pregnant whom Aetna confirms as high risk are reviewed on a case-by-case basis.)
  • Members in an ongoing treatment, such as chemotherapy or radiation therapy
  • Members with a terminal illness who are expected to live six months or less
  • Members who need more than one surgery, such as cleft palate repair
  • Members who have recently had surgery
  • Members who receive outpatient treatment for a mental illness or for substance abuse (The member must have had at least one treatment session within 30 days before the effective date on January 1, 2026.)
  • Members with an ongoing or disabling condition that suddenly gets worse
  • Members who may need or have had an organ or bone marrow transplant  

To be considered for TOC coverage, the course of treatment must have started before your enrollment with Aetna on January 1, 2026.

What happens if I already scheduled a medical procedure?

If your procedure is scheduled for a date after January 1, 2026, Aetna will work closely with AvMed to transfer prior authorization details. All previously approved procedures will be reviewed to ensure there are no gaps in coverage during your transition. Our goal is to make the process seamless so you can focus on your health, not paperwork.

When can I schedule an appointment with my doctor under the new plan?

Although Aetna coverage begins on January 1, 2026, you may schedule appointments now for visits occurring on or after that date. Member ID cards will be mailed via USPS and are expected to arrive in December. You’ll need your ID card for your visit, so please ensure you have it in hand before your appointment. In the event you haven’t received your card before your appointment, you can easily access a digital version on the Aetna app or website with all the information your provider will need.

Pharmacy and Prescriptions

Will my current prescriptions be covered?

Yes. Your prescriptions will continue without interruption. During Open Enrollment, we’ll provide more details about how your medications will be covered starting January 1, 2026. Most medications under non-Medicare plans will be grandfathered, helping ensure a smooth and seamless transition to Aetna.

What pharmacy can I use?

Aetna’s network includes more than 66,000 pharmacies nationwide, giving you broad access and flexibility. You’ll be able to fill prescriptions at over 9,800 CVS Pharmacy® locations, as well as major chains like Walgreens, Publix, Walmart, and most independent pharmacies.

Plan Options

What plan options will I have as an active employee?

For actively employed individuals, you will continue to have access to the plan options you’re familiar with. Plan eligibility is determined by Jackson Health System.

2026 Jackson Health Plan Name Plan
Jackson First HMO Aetna Select℠ (Open Access)
Jackson Select HMO Aetna Select℠ (Open Access)
Jackson POS Aetna Choice® POS II (Open Access)

**POS Advantage is available only to PBA Rank & File/Supervisory employees hired prior to January 1, 2019

The Advantage plans are:

  • First Choice Advantage HMO
  • Select Advantage HMO
  • HMO Advantage
  • POS Advantage

For non-bargaining and bargaining employees in GSAF Professional, GSAF Supervisory, and IAFF hired on or after January 1, 2019, and for bargaining employees in AFSCME Aviation, AFSCME Solid Waste, and AFSCME General hired on or after January 1, 2020, Transport Workers Union employees hired on or after January 1, 2021, AFSCME Water & Sewer employees hired on or after July 1, 2021, and PBA Rank & File/Supervisory employees hired on or after January 1, 2022, the following options are available:

  • First Choice Advantage HMO
  • Select Advantage HMO

Please note: If you select a First Choice Advantage HMO plan, the service area includes Miami-Dade and Broward counties, and care is provided through Jackson Health System and University of Miami facilities. For emergencies outside the area.

More details will be available during Open Enrollment.

Are Jackson Health System and the University of Miami participating in the network?

Yes, both Jackson Health System and the University of Miami are participating in the Aetna network.

When will more information be available about the Medicare plans?

Medicare is regulated by the Centers for Medicare & Medicaid Services (CMS). Details about the 2026 plans will be released in time for Open Enrollment. We’ll share more information as it becomes available during that period.

Support and Resources

How will this change affect my payroll deductions?

Employee premium contributions are determined by Jackson Health System. Details will be included in your Open Enrollment materials.

What support is available during the transition?

We're here to help every step of the way. You'll have access to:

  • Virtual and in-person informational sessions
  • One-on-one benefits counseling
  • A dedicated helpline
  • Step-by-step guides to using your new plan

Where can I get more information?

We understand this is a big change, and we are committed to making it as smooth as possible. Visit www.aetna.com or call our dedicated support line at 1-855-755-0507, available Monday–Friday, 8:00 AM – 6:00 PM.

Can I speak to someone in person?

Yes, Aetna Onsite Team members will be available to meet with you in person in any of the different Open Enrollment sessions beginning October 27, 2025.