Aetna is a bestseller at East Coast Health Insurance, as we have been providing people throughout the country with their individual plans for almost ten years. Some of the reasons why Aetna is so great are their network and their terrific pharmacy plan, with a home delivery option. Their network is broad both geographically and in terms of the options you have in choosing doctors and facilities for your care. Aetna’s plans also cover preventive care, doctor’s office visits, immunizations for children, and hospitalization.
Though they offer a variety of choices with in-network discounts and conveniences, such as no claims when visiting an in-network provider, their premiums can at times be higher than other companies. Make sure you compare rates with the other insurers in your area when filling out a quote in order to get the most affordable rates for your price range. For the most part, they are competitive with other major companies and you can find a reasonably priced Aetna plan, depending on the state you live in and other contributing factors.
Aetna members have access to online tools to ease the potentially complicated process of choosing in-network providers, getting prescriptions, managing your health information and benefits, and also getting educated about your health. They provide products and programs to help individuals of every kind with staying healthy, managing their health problems, and even end of life support for those with terminal illnesses.
Aetna is available to residents of Alaska, Arizona, California, Connecticut, Delaware, Florida, Georgia, Illinois, Kansas, Maine, Maryland, Michigan, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Washington DC.
Aetna Individual Plans
Different plans are available from state to state, but no matter where you are, Aetna offers an array of coverage options. They have all of the classics you could want out of a top notch carrier, such as PPO, PPO value, high deductible, preventive and hospital care, and managed choice (a combination of HMO and PPO) with the option of a health savings account. Below is a summary of the options that Aetna has available in certain states, and if you want to check which ones are in your area, fill out a quote.
- Open Access Managed Choice, a plan with lower premiums in exchange for higher deductibles, and a wide range of coverage. These plans allow the individual to take charge of their health care, with the ability to choose whether to use an HMO or PPO for each medical service they use. They also allow the opportunity to open a tax-advantaged health savings account for use on qualified medical expenses. Like a PPO, there is no referral needed to go to a specialist, and these plans also offer coverage when you see your primary care doctor and other office visits with specialists. They also cover regular physicals, including lab tests and X-rays, as well as prescription drugs. There are many benefits to this plan, and this seems to be the most frequently available type of plan through Aetna.
- High Deductible plans can also be set up with a health savings account, which is the most traditional way to go about starting an HSA. These plans offer a low monthly premium with a high yearly deductible to protect you from being overcharged for an emergency, surgery, hospitalization, or other expensive medical cost. Coverage is offered on prescription drugs, preventive care, office visits, and hospitalizations, once the deductible has been met. This is where the HSA comes in, to help you afford the costs that are not covered.
- PPO plans have the freedom to choose your providers, with no need to get a referral in order to see a specialist, nor do you have to choose a PCP. You have access to Aetna’s network of “preferred providers”, which includes family practitioners, hospitals, and specialists. There are two levels of coverage with different sets of benefits, one for in-network and one for out-of-network care. These plans cover prescription drugs, emergency and hospital care, outpatient surgery, preventive care, and treatment from specialists.
- Preventive and Hospital Care plans are also compatible with health savings accounts, and they offer care for a significantly lower premium than other plans, in exchange for limited benefits. This plan provides coverage for preventive and hospital care, including inpatient hospital care, outpatient surgery, home health or advanced nursing care. The preventive care covered includes care for children, one GYN exam yearly, and physical exams. These plans have a range of deductibles to choose from, and are good for those who want to save money and still have coverage for necessity and emergency.
Again, make sure you check your specific state for availability of these plans, as it ranges depending on the area. Regardless of where you live, Aetna always has a high level of quality care, great providers in their networks, and options for health savings accounts.