Aetna Network
Princeton is introducing a high-performing network, the Aetna Premier Care Network, for the Consumer Directed Health Plan (CDHP), Aetna Exclusive Provider Organization (EPO), and Aetna Point of Service (POS) plans.
- Aetna Network for those living in NJ and Southeastern PA: The Aetna Premier Care Network Plus (APCN+) provides the greatest amount of savings and flexibility so you can get the most out of your coverage. This network applies to employees living in New Jersey and Southeastern Pennsylvania, which is based on your zip code listed in HR Self Service under home/local address. Since your home address will be used to determine network coverage under the Aetna CDHP, POS, and EPO plans, you should make sure that your address is up-to-date.
- Aetna Network for those living in NY or outside of NJ/Southeastern PA: If you live in New York or any other location outside of NJ or Southeastern PA (as listed in HR Self Service) and enroll in the CDHP or Aetna POS, you will use Aetna's standard broad Choice POS II network. If you elect the Aetna EPO, you will utilize Aetna's standard broad Open Access Select network.
Aetna Network – For Individuals Living in New Jersey & Southeastern PA
For individuals living in New Jersey and Southeastern PA, the Aetna plans will utilize a high-performing network, the Aetna Premier Care Network Plus (APCN+). This network has distinct tiers that offer different levels of coverage:
- Tier 1 – maximum savings; using this tier reduces your costs in most instances
- Tier 2 – standard savings; using this tier increases your costs in most instances
- Tier 3 – out-of-network (not available in the EPO Plan, except for emergencies)
When you receive care, you will receive the highest level of coverage at Tier 1 when utilizing doctors and hospitals in the APCN+ network. All other in-network doctors, hospitals, and providers will be covered at Tier 2.
Aetna Network – For Individuals Living in NY & Other States Other Than NJ or Southeastern PA
If you elect the CDHP or Aetna POS Plan, you will be using Aetna’s standard broad network to search for providers, which is the Choice POS II network of providers; the APCN+ network does not apply to you. You will have two levels of coverage, in-network tier 1 and out-of-network. As long as your provider is in-network in the Choice POS II network, you will pay the tier 1 cost share for your care. If you travel outside your home service area, you will continue to use the Choice POS II Network.
If you elect the EPO Plan, you will be using Aetna's standard broad Open Access Select network of providers; the APCN+ network does not apply to you. As long as your provider is in-network in the EPO plan, you will pay the tier 1 cost share for your care. Out-of-network providers are not covered in this plan, unless the service is an emergency. If you travel outside your home service area, you will continue to use the Open Access Select network.
Frequently Asked Questions (FAQs)
Review the FAQs below which can help you better understand this change and how it impacts you and your family’s coverage for 2025.
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I need help determining if my provider is Tier 1 or finding providers.
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- Visit Aetna's Participating Provider Directory and click on the banner or “+” of the APCN+ Multi-Tier Plan you are interested in (Aetna EPO, POS, or CDHP).
- Enter your home zip code (as listed in HR Self Service) and click “Start Your Search.”
- Follow the “Continue as guest option”, enter your zip code again, and then click “Search.”
- Select the “Provider Category” or search by provider name. In the search results, Tier 1 providers are indicated by “Maximum Savings” and Tier 2 providers are indicated by “Standard Savings."
- Individuals that live in NY or any other area outside NJ or Southeastern PA, will be shown in-network providers; maximum and standard savings does not apply.
Aetna’s Concierge customer service team can also assist with provider searchers by calling (800) 535-6689, Monday through Friday, 8:00 a.m. to 6:00 p.m.
Once you are enrolled in your new plan in 2025, you can easily search the provider directory by logging in to your Aetna member account.
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I live in New Jersey and get care in New Jersey.
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You will utilize the APCN+ Network while seeking care in NJ and will pay less for services if you use a Tier 1 provider.
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I live in New Jersey and get care outside of New Jersey.
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If you receive care outside of New Jersey, you will utilize the Choice POS II network for the CDHP or POS plans; EPO members will use the Open Access Select network. Tier 1 benefits will apply to all providers in the broad network.
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I live in Southeastern PA and get care in Southeastern PA.
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You will utilize the APCN+ Network while seeking care in Southeastern PA and will pay less for services if you use a Tier 1 provider.
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I live in Southeastern PA and get care outside of Southeastern PA.
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If your home residence is in Southeastern PA and you are traveling elsewhere in the state (or to NJ or New York City), you will use Aetna’s standard broad network. If you are enrolled in the CDHP or POS plans you will use the Choice POS II network; EPO members will use the Open Access Select network. Tier 1 benefits will apply to all providers in the broad network.
If you are traveling to any other area or state, use the provider directory to search for providers in the area that you are located, or call Aetna Concierge for help: (800) 535-6689, Monday through Friday, 8:00 a.m. to 6:00 p.m.
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What zip codes fall in the Southeastern PA area?
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Please use the provider directory or contact Aetna's Concierge for assistance with determining if your zip code is in the APCN+ service area.
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I live in NY (or any other state other than NJ or Southeastern PA) and will get care in my home state or another state.
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You will utilize the Choice POS II network or Open Access Select network, depending on what plan you elect. This is true whether you receive care in your home state, or outside of your home state, including NJ. You will pay the Tier 1 cost share for your care as long your doctor is in-network.
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How do I know if the APCN+ Network applies to me? How do I confirm you have the correct home address for me?
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Your home zip code, as its listed in HR Self Service, will determine if the APCN+ Network applies to you. To verify your address, log in to HR Self Service and select Personal Details then Addresses. You will want to confirm that the correct address is listed under Home/Local Address.
If you have a covered family member that lives in another area, the employee’s home/local address will determine the family member's network. For example, if you live in NJ and elect the EPO Plan and your child goes to school in Florida, the child will utilize the APCN+ network if they return to NJ for their care. If they need care while in Florida, they will use the broad Open Access Select network.
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Can I still use my out-of-network provider?
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You will continue to have the choice to go out-of-network for all plans, except the EPO. The EPO Plan only covers emergency services out-of-network). Keep in mind, out-of-network coverage is limited and not all services are covered out-of-network.