In a constantly evolving healthcare landscape, understanding your insurance options is critical. One name that frequently appears in healthcare provider directories is First Health Network Insurance. But what is First Health Network Insurance, and what makes it stand out in 2025?
First Health Network is a national network of healthcare providers offering access to affordable and comprehensive care through a Preferred Provider Organization (PPO). Whether you are employed, self-insured, or exploring Medicare-related options, First Health can play a vital role in reducing healthcare costs while maintaining quality service.
Who Owns First Health Network?
First Health Network is a subsidiary of Aetna, a CVS Health company. Aetna, known for its robust insurance plans and wide coverage, acquired First Health to expand its PPO offerings and extend network access. This backing gives First Health a stable infrastructure and access to resources that improve member experience, including digital tools, care coordination, and provider relations.
What is Covered by First Health Network Insurance?
First Health Network Insurance provides access to a wide range of medical services through its extensive PPO network. Coverage typically includes:
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Preventive care
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Primary care and specialist visits
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Emergency services
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Inpatient and outpatient hospital care
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Prescription drugs
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Mental health and behavioral services
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Rehabilitation and therapy
Because it is a PPO, members can visit any provider, though staying in-network means significantly lower out-of-pocket costs.
Network Strength and National Reach
In 2025, First Health boasts one of the largest PPO networks in the United States, with over 5,000 hospitals and 1 million medical professionals in-network. This makes it a compelling option for employers and individuals who need multi-state coverage or frequent travel.
This broad network gives policyholders the flexibility to find care when and where they need it, which is especially valuable in rural or underserved areas.
Types of Plans Offered by First Health Network
First Health does not directly sell insurance plans but partners with insurance carriers and employers to provide access to its PPO network. That means you may receive First Health access as part of:
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Employer-sponsored health plans
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Third-party administrators (TPAs)
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Workers’ compensation plans
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Medicare Advantage plans (in some cases)
These arrangements let insurers tap into First Health’s broad provider network, making it easier to offer affordable care.
First Health PPO Plan: Features and Benefits
First Health Network operates primarily as a Preferred Provider Organization (PPO), which offers several unique advantages:
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No primary care referrals required: You can see specialists without needing approval.
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Out-of-network coverage: Though at a higher cost, you still have access to care beyond the network.
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Nationwide access: Ideal for travelers, telecommuters, and remote workers.
In 2025, First Health continues to enhance its PPO platform with digital health tools, virtual care options, and 24/7 nurse hotlines.
How First Health Insurance Works with Employers
One of the primary uses of First Health is in employer-sponsored healthcare plans. Businesses contract with third-party administrators (TPAs) or insurance carriers that utilize First Health’s network to offer quality coverage to employees at competitive rates.
Employers benefit by:
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Saving on healthcare premiums
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Providing employees nationwide access
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Reducing administrative overhead through partnerships
This model is increasingly popular in 2025, especially among remote and hybrid workforces.
First Health and Medicare: What You Need to Know
First Health itself is not a Medicare plan, but its network may be included in some Medicare Advantage plans offered by private insurers. If your Medicare Advantage or Supplement plan references access to the First Health Network, it means you can receive in-network benefits with First Health providers.
Always check your plan documents to ensure that First Health is part of your specific Medicare offering.
Is First Health Insurance the Same as Aetna PPO?
No, but they are closely connected. First Health Network and Aetna are sister companies under the CVS Health umbrella. While Aetna operates its own PPO and HMO plans, First Health functions primarily as a provider network accessible through third-party plans and employer group benefits.
Some confusion exists because members often receive access to either or both networks depending on their plan sponsor.
First Health vs. HealthFirst: Key Differences
It’s easy to confuse First Health Network with HealthFirst, but they are distinctly different entities:
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First Health Network is a PPO network provider owned by Aetna/CVS Health and offers nationwide coverage through employer and TPA partnerships.
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HealthFirst is an independent, nonprofit insurance company primarily offering Medicaid and Medicare Advantage plans in New York and New Jersey.
Understanding these differences is crucial when comparing plans or researching network affiliations.
First Health Coverage and Your State: Regional Availability
While First Health is national, some states offer denser provider networks than others. In states like Texas, Florida, and California, First Health is particularly strong. Rural states also benefit from First Health’s ability to partner with local providers and hospital systems.
Always use the First Health provider search tool to confirm in-network doctors in your area.
Why Choose First Health Insurance in 2025?
There are several compelling reasons to consider First Health in 2025:
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National PPO access even if you move or travel
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Lower negotiated rates with providers
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Excellent compatibility with employer plans
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Expanded mental health and telehealth services
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Responsive customer service and digital tools
Whether you’re an employee, retiree, or self-insured individual, First Health Network provides consistent access to care across the country.
Reviews and Ratings: Is First Health Network a Good Insurance?
Reviews for First Health tend to highlight:
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Wide access to hospitals and doctors
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Ease of claim processing
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Great for travelers and remote workers
However, some policyholders note that:
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You must verify provider participation regularly
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It’s not always clear who administers the actual plan (TPA vs insurer)
Overall, First Health earns strong marks for network size and access but requires careful plan management to avoid billing surprises.
Cost Considerations and Affordability
One of the major advantages of First Health Network Insurance is cost savings. By negotiating discounted rates with providers, the network helps reduce:
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Deductibles
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Copayments
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Coinsurance
If you’re on a self-funded employer plan, these savings can be substantial. Also, the freedom to avoid out-of-network care helps you manage medical expenses more predictably.
How to Enroll in First Health Insurance
You can’t enroll directly in First Health as it is not a standalone insurance plan. Instead:
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Check with your employer if their plan uses First Health Network.
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Review your health plan ID card for a First Health logo.
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Ask your TPA or insurance provider whether First Health is included in your PPO access.
If you’re considering a Medicare Advantage plan, ask the insurer if First Health is part of the provider network before enrolling.
Frequently Asked Questions (FAQs)
Is First Health Network a good insurance?
Yes, it’s a reliable network with wide access and competitive rates. It’s particularly useful for employer-sponsored and third-party health plans.
What type of insurance is HealthFirst?
HealthFirst is a health insurance company, mainly offering Medicaid, Medicare Advantage, and long-term care plans in NY and NJ.
Is First Health Network the same as Aetna PPO?
No, but they are related. First Health is owned by Aetna and used as a provider network, not an insurance plan itself.
Is First Health a Medicare plan?
No, but it may be included in some Medicare Advantage plans offered by other insurance carriers.
Final Thoughts
Understanding what is First Health Network Insurance in 2025 is vital if you’re evaluating employer benefits, third-party healthcare plans, or Medicare Advantage options. With a strong national PPO network, flexible access, and competitive rates, First Health is a top-tier option in today’s healthcare environment.
Though it’s not an insurance plan by itself, First Health plays a critical role in making healthcare more accessible and affordable across the country. Whether you’re an HR manager choosing a network for your employees or a patient seeking continuity of care while traveling, First Health offers value and reliability that is hard to match.
About Alexander Miller
