National Advantage^TM Program (NAP)

• If your Aetna ID card has "NAP" on the front, that means Aetna may get some discounts for services of out-of-network providers through a vendor.
• A NAP provider is considered out-of-network under your benefits, but the discounts mean your out-of-pocket costs may be less than other out-of-network providers.
• If you get care from a NAP provider, the provider cannot balance bill you.
• NAP providers (unless designated as participating in other plans such as HMO) cannot be selected as a primary care physician.