What are the differences between Aetna Choice POS II Open Access and HealthFund plans?

The main difference between Aetna Choice POS II Open Access and HealthFund plans is how they handle out-of-pocket costs. The Choice POS II Open Access plan allows you to see any doctor without a referral, but you may have higher out-of-pocket costs. The HealthFund plan requires you to choose a primary care physician and may offer lower out-of-pocket costs, but you need a referral to see a specialist.