Every dollar amount and date on this page is quoted from the official settlement document.
Aetna Insurance Settlement
Court case: Peters v Aetna, Inc., et al.
If you had Aetna insurance in NC, SC, GA, VA, IL, IN, or DC and paid coinsurance for chiropractic or physical therapy through an Optum provider between July 12, 2012 and the settlement's effective date, you're likely in this class. The deadline to submit documentation for claims after December 31, 2017 was July 10, 2025. For claims before 2018, Aetna's records are used automatically, so no paperwork is needed on your end.
Official eligibility wordingParticipants or beneficiaries of Aetna Plans in NC, SC, GA, VA, IL, IN, or DC whose coinsurance was calculated using an Optum-Aetna agreed rate that exceeded the provider's contracted rate with Optum for chiropractic or physical therapy services from July 12, 2012 to the Settlement's Effective Date. Checked against the official settlement source by SettleSignal on June 15, 2026.
Open to residents of: District of Columbia, Georgia, Illinois, Indiana, North Carolina, South Carolina, Virginia
Key facts
- Who may qualify You may qualify if you were a participant or beneficiary of an Aetna health plan in North Carolina, South Carolina, Georgia, Virginia, Illinois, Indiana, or the District of Columbia, and your coinsurance for chiropractic or physical therapy services was calculated using an Optum-Aetna agreed rate that was higher than what the provider's contract with Optum actually required. The covered period is July 12, 2012 through the settlement's effective date.
- Estimated payoutOptum Provider Services (difference between agreed Optum-Aetna rate and provider's contracted rate with Optum)
- Claim deadlineJuly 10, 2025 (closed)
- Proof requiredOptional
- What you needFor visits after December 31, 2017, documentation such as your Summary Plan Description (in effect at the time of the visit) was required to be submitted by July 10, 2025. For earlier visits, no submission is needed — Aetna's records are used. The claim filing deadline was July 10, 2025.
How hard is this claim to file?
What the form asks
- Post-2017 claim documentation submission — A copy of your Summary Plan Description from when the visit happened, showing the plan didn't mention that the allowed amount could include an administrative fee. (Your Aetna plan documents, your employer's HR portal, or ask your plan administrator for a copy.)
Documents you'll need
- Summary Plan Description (SPD) — required only for post-2017 claims
Watch out for
- The July 10, 2025 deadline to send in post-2017 documentation has passed. If you missed it, only your pre-2018 sessions will count.
- The opt-out and objection deadlines were also July 10, 2025.
- Payments under $15 won't be issued. If your overpayment was small, you might fall below that floor.
- Individual claim amounts are capped at $5,000 for purposes of calculating your share.
- If total claims across all class members exceed $2.4 million, everyone gets a proportionally reduced share rather than the full amount.
- Coverage is limited to NC, SC, GA, VA, IL, IN, and DC. The Aetna-Optum arrangement ended April 1, 2023.
We prepare — you file on the official site yourself. This is not legal advice and is not an eligibility decision; the administrator and court decide.
Verify it yourself
How we verified this record
- Claim deadline
- Payout details
- Eligibility
- Proof requirement
- 4 fields queued for re-check
5 official sources linked to this record.
-
Claim deadline
July 10, 2025
-
Eligibility summary Quoted in the official eligibility wording above ↑
-
Proof requirement
Optional
-
Estimated payout
Optum Provider Services (difference between agreed Optum-Aetna rate and provider's contracted rate with Optum)
Defendants will pay $4.8 million for the benefit of the Classes: $4.6 million from Aetna and $200,000 from Optum.
Where to act
