In 2010, Aetna introduced its Member Payment Estimator, an online tool that enables members to estimate their actual costs based on their plan design, their specific medical conditions, and the providers they choose. By integrating the Member Payment Estimator with Aetna's claims system, Aetna is able to use its claims pre-adjudication process to generate cost estimates based on the date and time at which the member submits a request, resulting in improved accuracy of the cost estimate. Aetna members can compare costs for up to 10 providers and members are now able to obtain estimates through the Member Payment Estimator of both in-network and out-of-network physician care costs.