Aetna and Cosmo Insurance Partner to Deliver Better Benefits, More Savings, and Personalized Care

In a groundbreaking collaboration, Cosmo Insurance and Aetna have joined forces to offer an enhanced healthcare experience for small businesses, engineering firms, and their employees. This partnership prioritizes cost savings, convenience, wellness, and total health management—with benefits tailored to meet today’s workforce expectations.

Exclusive Premium Credits for Small Businesses

One of the key highlights of the partnership is Aetna’s Premium Credit Program for Fully Insured (FI) plans. Small businesses with up to 100 enrolled employees can now take advantage of:

• $400 per enrolled employee for new groups joining Aetna between September 1, 2025, and March 1, 2026.
  
• An additional $300 per employee when a dental plan is added to a new or renewed FI plan.
  

These credits are applied as a one-time deduction on the second invoice, helping reduce the initial cost burden for businesses transitioning to Aetna plans. This initiative is especially timely for employers looking to offer high-quality health coverage while managing budgets effectively.

Cost-Saving Opportunities for Employers

Aetna Fully Insured (FI) 51–100 Plans are offering generous premium credits to help small businesses manage healthcare costs:

• $400 credit per enrolled employee for new groups (with up to 100 enrolled employees).
  
• An additional $300 per employee if a dental plan is added at new enrollment or renewal.
  

Credits apply on the second invoice and are available from September 1, 2025, through March 1, 2026, in eligible states. These programs reduce the financial burden on employers making the transition to Aetna plans.

For engineering and design businesses, the ACEC Select Plan, powered by Aetna Funding Advantage (AFA), offers:

• A 5% ACEC member discount
  
• $400 administrative credit per enrolled employee
  
• Fixed monthly payments
  
• Surplus-sharing when claims are lower than expected
  
• Monthly reporting for transparent performance tracking
  

Introducing the Aetna Members Program: Total Well-Being in One Place

Aetna’s new Members Program is a powerful suite of resources and benefits designed to help members stay healthy, get support when needed, and save money—all from wherever they are.

Access to Care, Anytime

• Aetna Smart Compare®: Find high-quality in-network providers prioritized by effectiveness and cost-efficiency.
  
• MinuteClinic® at CVS: Access walk-in care for minor illnesses, injuries, and preventive services at no or low cost.*
  
• CVS Health Virtual Care™ & Virtual Primary Care™: Get virtual visits for physical and mental health, medication reviews, and more.
  
• Teladoc Health: 24/7 phone or video visits with board-certified physicians, including behavioral health providers.
  

Wellness and Savings in Every Step

• Aetna Health Your Way™: Engage in health challenges and earn up to $100 per year in rewards after completing a well-being assessment and participating in activities.
  
• OTC Health Solutions®: Get $25 every three months (up to $100/year) to spend on CVS® health items like pain relievers, allergy meds, and first aid supplies.
  

3 ways to shop:

• In-store at CVS (excluding Target)
  
• Online at CVS.com/otchs/aetcommercialotc
  
• Phone: 1-888-628-2770 (TTY: 711), Mon–Fri, 9 AM–8 PM
  
• Aetna Discount Program: Save on eyewear, fitness services, natural health care, and more.
  

Prioritizing Mental Well-Being

• Resources for Living® (Employee Assistance Program): Free and confidential support for stress, legal, financial, and emotional concerns.
  
• Behavioral Telehealth: Virtual visits with licensed therapists and psychiatrists—all covered in-network.
  

Managing Health Proactively

• Aetna One® Essentials: Personalized care management support from nurses for chronic conditions or major health events.
  
• Enhanced Maternity Program: Guidance through every stage—from family planning to postpartum recovery.
  
• Diabetes Management:
  
  • Free Blood Glucose Meter Program
    
  • $0 Preferred Diabetic Benefit for insulin and supplies, with no deductible*
    

A Shared Commitment to Health

This collaboration between Cosmo Insurance and Aetna reinforces a shared mission: make comprehensive, personalized, and affordable healthcare more accessible to small business owners and their teams.

Whether you’re an employer exploring better plan options or an employee looking for holistic health support, this partnership delivers tools, incentives, and care tailored for your life.

Disclosure

This article is for educational purposes only and should not be considered legal or financial advice. All benefits and credits mentioned are subject to change based on eligibility, company size, state regulations, and other underwriting requirements. Please consult directly with a licensed insurance broker or benefits consultant to determine eligibility and appropriate plan selection. Participation in a health plan is not the sole determining factor for access to all features listed above.

Ready to explore your options?

Reach out to Cosmo Insurance or your Aetna representative today.

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