• Aetna Select 1 has higher monthly premiums but lower copays when you use services. • Aetna Select 2 has lower monthly premiums with higher copays and a deductible when you use services. • Both Aetna Select plans will use Aetna™ Select Open Access network in 2009. • Both Aetna Select plans will be open access no referrals required to see a specialist. • As with any Aetna Select plan, out-of-network services are not covered except for emergencies.