Aetna Nations Benefits offered valuable perks for Aetna Medicare members, but changes are coming in 2025. This program, once a key part of Aetna’s Medicare Advantage plans, provided allowances for health and wellness products.
This article explores the history of Aetna Nations Benefits, its transition to CVS Health, and what members can expect moving forward.
What Were Aetna Nations Benefits?
Aetna Nations Benefits was a program for Medicare Advantage members. It provided a flexible allowance to purchase over-the-counter (OTC) health and wellness products. Members received a Nations Benefits card to use at participating retailers or online.
The program covered items like pain relievers, vitamins, and first aid supplies. It aimed to make healthcare more affordable and accessible. Many members appreciated the convenience and savings.
How Aetna Nations Benefits Worked
Members received a prepaid card with a quarterly or monthly allowance. They could shop at stores like Walmart, Kroger, or online via the Benefits Pro Portal. The portal offered a catalog of eligible products with free two-day shipping.
The program was user-friendly, requiring no PIN for purchases. Members could track their balance and browse products easily. It was especially helpful for seniors managing healthcare costs.
Key Features of Aetna Nations Benefits
Aetna Nations Benefits stood out for its flexibility and ease of use. The program catered to diverse health needs. Here are some of its main features:
- OTC Allowance: Funds for health products like bandages, vitamins, and cold remedies.
- Wide Retail Network: Accepted at major stores like Walmart, Publix, and Dollar Tree.
- Online Shopping: Free shipping on orders through Aetna.NationsBenefits.com.
- Mobile App: Benefits Pro app for managing balances and shopping on the go.
These features made healthcare more accessible for members.
Transition to CVS Health in 2025
In 2025, Aetna is discontinuing its partnership with Nations Benefits. Instead, Aetna has switched to CVS Health’s OTC Health Solutions for extra benefits.
Members will receive a new Aetna Medicare Extra Benefits Card starting January 1, 2025.
This change aligns with Aetna’s integration with CVS Health. The new card focuses on CVS Pharmacy locations but is also accepted at other retailers. However, benefits may be reduced compared to 2024.
Why Aetna Made the Switch
Aetna’s shift from Nations Benefits to CVS Health reflects cost-saving efforts. Rising medical costs and stricter CMS regulations have impacted Medicare Advantage plans.
CVS Health, Aetna’s parent company, aims to streamline benefits through its own network.
The decision also supports Aetna’s focus on profitability. By using CVS Health’s infrastructure, Aetna can control costs better. However, some members report lower allowances under the new system.
Changes to Benefits in 2025
The transition to CVS Health brings changes to benefit amounts. For example, OTC allowances dropped from $75 to $60 per quarter for some plans.
Medical benefits also decreased, with some plans going from $100 to $50 quarterly.
Members must now use CVS Pharmacy or Navarro Discount Pharmacy for in-store purchases. Online shopping remains an option through CVS.com/Aetna. These changes may limit flexibility for some members.
Comparison of Aetna Nations Benefits and CVS Health Benefits
Here’s how the old and new programs compare for 2025:
| Feature | Aetna Nations Benefits (2024) | CVS Health Benefits (2025) |
|---|---|---|
| OTC Allowance | $75–$220/quarter | $60/quarter (some plans) |
| Medical Allowance | $100/quarter (some plans) | $50/quarter (some plans) |
| Retail Network | Walmart, Kroger, Publix, etc. | CVS, Navarro, select retailers |
| Online Portal | Aetna.NationsBenefits.com | CVS.com/Aetna |
This table highlights the reduced allowances and more limited retail options in 2025.
How to Use the New Aetna Medicare Extra Benefits Card
The new Aetna Medicare Extra Benefits Card is easy to use. Members can activate it online at CVS.com/Aetna or by calling 1-844-428-8147 (TTY: 711). You’ll need your card number and date of birth to get started.
Shop in-store at CVS Pharmacy or other participating retailers. Online orders can be placed through CVS.com/Aetna with free delivery. Check your plan’s Evidence of Coverage (EOC) for eligible products.
Eligible Products Under the New Program
The CVS Health program covers similar OTC products as Nations Benefits. Members can buy pain relievers, vitamins, bandages, and other wellness items. Some plans include healthy food options, like fruits and vegetables.
Check the CVS OTC Health Solutions app or website for a full catalog. The app helps you track your balance and find approved stores. Always verify eligible items before purchasing.
How to Activate and Manage Your Benefits
Activating your new card is simple. Visit CVS.com/Aetna or use the CVS OTC Health Solutions app to register. You’ll need your Aetna member ID to set up an account.
Once activated, check your balance regularly. The app shows your monthly or quarterly allowance and tracks spending. Call 1-844-428-8147 (TTY: 711) for support, available 8 AM to 8 PM daily.
Challenges Members May Face
Some members report confusion about the transition. Many called Aetna or Nations Benefits but received inconsistent answers. Cards promised in December 2024 were delayed for some, causing frustration.
The reduced benefits and limited retail options may disappoint members. For example, the card no longer works at Walmart in some states. Members in rural areas may find fewer participating stores.
Tips for Maximizing Your Benefits in 2025
To make the most of your Aetna Medicare Extra Benefits Card, plan your purchases. Check the CVS catalog for eligible items and prioritize essentials. Stock up on frequently used products like vitamins or bandages.
Use the CVS OTC Health Solutions app to track your balance. Shop online for convenience and free shipping. If you face issues, contact Aetna’s customer service for help.
Aetna’s Broader Medicare Benefits
Aetna’s Medicare Advantage plans still offer robust benefits in 2025. These include $0 copays for primary care, dental, vision, and hearing coverage. The SilverSneakers fitness program remains a popular perk for seniors.
Aetna also provides fall prevention benefits and non-emergency transportation for some plans. These extras complement the OTC benefits, supporting overall health. Check your plan’s EOC for full details.
Why Members Valued Aetna Nations Benefits
Aetna Nations Benefits was praised for its flexibility. Members could shop at multiple retailers, including Walmart and Publix. The online portal made ordering easy, especially for those with mobility issues.
Seniors found the program helpful for managing healthcare costs. The allowance covered everyday items, reducing out-of-pocket expenses. Many are disappointed with the changes in 2025.
Navigating the Transition
If you’re an Aetna member, check your mail for your new card. It should arrive before January 1, 2025. If not, call Aetna at 1-844-428-8147 (TTY: 711) to confirm your status.
Review your 2025 Annual Notice of Change (ANOC) for benefit details. Compare your new plan to ensure it meets your needs. Open Enrollment (October 15–December 7, 2024) allows you to switch plans if necessary.
Aetna’s Commitment to Member Care
Aetna remains focused on affordable, quality healthcare. The switch to CVS Health aims to streamline services while maintaining value. Despite reduced benefits, Aetna’s network of 1.8 million providers ensures access to care.
The company offers digital tools like the Aetna member portal and app. These help you manage benefits, claims, and provider searches. Aetna’s customer service is available for support.
Summary
Aetna Nations Benefits was a valuable program for Medicare Advantage members, offering flexible OTC allowances. In 2025, Aetna is transitioning to CVS Health’s OTC Health Solutions, with new cards and reduced benefits.
Members can use the Aetna Medicare Extra Benefits Card at CVS and select retailers.
Despite challenges, Aetna’s broader benefits, like SilverSneakers and telehealth, continue to support health. Check your plan details to maximize your benefits in 2025.
FAQ
What were Aetna Nations Benefits?
Aetna Nations Benefits provided a prepaid card for OTC health products. Members could shop at retailers like Walmart or online. The program ended in 2024, replaced by CVS Health benefits.
Why did Aetna switch from Nations Benefits?
Aetna moved to CVS Health’s OTC Health Solutions to streamline costs. Rising medical expenses and CMS regulations prompted the change. The new program focuses on CVS Pharmacy locations.
How do I activate my new Aetna Medicare Extra Benefits Card?
Activate your card at CVS.com/Aetna or call 1-844-428-8147 (TTY: 711). Use your card number and date of birth. The CVS OTC Health Solutions app also supports activation.
What can I buy with the new card?
The card covers OTC items like pain relievers, vitamins, and bandages. Some plans include healthy foods. Check CVS.com/Aetna for a full list of eligible products.
Where can I use the Aetna Medicare Extra Benefits Card?
Use the card at CVS Pharmacy, Navarro Discount Pharmacy, and select retailers. Online shopping is available at CVS.com/Aetna. Retail options may vary by state.