NetJets uses Aetna. There are 2 choices and both do not require a referel to see specialists. One has a small yearly deductible and allows much more out of network stuff while the other has no deductible and requires you to use the Aetna network- good network in some places and not so good others. Overall I spend nearly $5000 less for family health coverage here per year than I would have with the high deductible and high monthly payroll deductions at my last employer.