This section is a user guide to your LM HealthWorks Plan that takes you step by step through the process of seeking care and using your benefits.
How to Seek Care
Know what to do, what to expect and what your responsibility will be when you or a family member needs health care.
Using in-network providers
When you need care, you have a choice. You may visit doctors and other care providers who belong to the network, or you may seek care outside the network. Remember, in-network doctors have negotiated special rates with Aetna. This, in addition to a higher level of benefits paid for in-network care, means you’ll pay less for your care when you visit in-network providers.
Using out-of-network providers
If you seek care outside the network, the process is slightly different.
When you have a prescription filled at a participating retail pharmacy
By entering a zip code and selecting “locate pharmacy” online, you can find participating retail pharmacies near you.
When you visit the participating retail pharmacy:
The Benefits Summary shows coinsurance amounts for prescription drugs.
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