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If you need them for the UW, Union Security's EXACTLY like Aetna(priced better too...here), even the RX KO list. Aetna's the TPA. Equitable National has the same app, but a different RX list.I liked there eapp before they changed it just recently, I just didn't like their increases which is why I dont use them as much, Recently I have had more need for them but the new eapp is a pain