Aetna is one of the nations leading health insurance companies. Aetna insurance plans are available in all 50 states to individuals, families, children, seniors, employer groups and the self-employed. Aetna has almost 19 million medical members and over 950,000 health care providers in thier network. Programs and services are available to help control rising insurance costs, and improve the quality of health care. Keep in mind that not all of Aetna insurance plans are available in all states. Each state regulates insurance diferently and as a result Aetna health insurance plans will have differences from state to state. Compare Aetna Florida and Aetna Colorado
Aetna subscribers get access to a suite of great online tools to help them manage their health care:
- Aetna has a huge network and their online search tool is a great asset when it comes time to find an in-network provider. Especially, if you traveling and don’t have the option of your regular doctor.
- Want to know how a particular claim is coming along? Just log in and look it up.
- Lose your ID card? No problem…reprint your ID card anytime.
- Explanation of Benefits (EOB) get lost all the time, especially when you really need them. You can access your health record, including EOB’s as many times as you want.
- Aetna’s online tools will track all your healthcare, including your prescription drugs.
Aetna Insurance for Individuals, Families, and the Self-Employed
Aetna health insurance plans offer excellent coverage and great value. I have had my own insurance with Aetna for many years. I seriously think of switching my HSA to their $10,000 deductible value plan…just because the price is so low and the requirements established by the PPACA cover most of my healthcare needs with NO cost sharing. The plans still offers access to the network, plus it has some convenient doctor and prescription drug copays. Definitely a plan you should at least consider.
Aetna insurance plans may not cover all of your medical expenses in a particular year, but it does offer valuable protection at an affordable cost. How much will depend on the plan you choose and your deductible. Aetna health plans are categorized into the following:
Aetna Health Savings Account- Aetna HSA
In a nutshell, Everything applies to the deductible except, those services that the PPACA requires that all health plans cover with no cost sharing. An Aetna HSA also has some great tax advantages and no search for health insurance would complete without considering an HSA. For more information on Health Savings Accoutns – HSA plese vist our HSA information page.
Aetna offers several HSA eligible plans. Once you enroll in an Aetna plan you will be able to open a health savings account with Bank of America or another financial institution of your choice. The Aetna HealthFund HSA has no set-up fee, no monthly administrative fee, and allows you to track your activity online.
Aetna Preventative and Hospital Care Plans
Lower monthly health premiums! These plans offer health insurance coverage in with varying deductibles. Since affordability is a primary goal for this plan you will find that certain benefits are not covered. For details please refer to the benefit summary that accompanies your health insurance quotes.
Aetna Managed Choice and POS Open Access Health Plans
Aetna’s Managed Choice and POS Open Access plans offer several deductible levels, co-payments for office visits and prescription drugs. Managed Choice Open Access Value plans offer lower premiums for reduced benefits. Doctor referrals are not required.
Aetna’s dental plan add on, PPO Max, can be added to your Aetna health insurance plan. Benefits include diagnostic services, preventative services,some basic services and discounts on major services. Details of the dental coverage are in the benefit summary.
Aetna Vision Discount Program is included with the Aetna Advantage plans. The vision discount program provides discounts and special saving on eye exams, LASIK eye surgery, contact lenses, lenses, frames, and a variety of eye care accessories. Other programs include discount program for natural products and services, fitness, weight management, hearing, and prescription drug delivery. As you can see all of the above encourage a healthier lifestyle.
Be sure you read the limitations and exclusions section carefully. The benefit summary will provide a partial list for you to look over. You will also want to read your policy or certificate when you receive it…just to make sure it is what you thought it was.
Aetna Group Health Insurance
Businesses large and small provide their employees with Aetna insurance products: Health, Dental, Disability, Life, and vision plans. Aetna provides employers with choices for their employee benefit plans. Aetna offers a variety of different health plans:
- Value plans
- Consumer directed health plans (CDHP)
- High deductible health plans (HDHP)
- Defined benefit plans
- Defined contribution plans
- Split coinsurance plans
- Traditional plans
Small businesses (1-50 employees) have different needs than large employers and Aetna has designed a number of different plans with these needs in mind. Value plans are available for the Basic buyer seeking to limit the expense to the business. Consumer directed health plans and split coinsurance plans are geared towards the value seeker. Aetna also offers traditional benefit plans that limit the financial impact on employees.
Aetna Dental Plans
Aetna DMO Dental Plan – Members select a primary care dentist to coordinate their care from the available managed dental network. Each family member may choose a different primary care dentist and may switch dentists at any time via Aetna Navigator®. If specialty care is needed, a member ?s primary care dentist can refer the member to a participating specialist. However, members may visit orthodontists without a referral. There are virtually no claim forms to file, and benefits are not subject to deductibles or annual maximums.
Aetna PPO Dental Plan – Members can choose a dentist who participates in the network or choose a licensed dentist who does not. Participating dentists have agreed to offer our members services at a negotiated rate and will not balance-bill members.
Aetna PPO Max Plan
Freedom of Choice Plan
Aetna Medicare
The government pays private health insurance companies, like Aetna, provide consumers with benefits that must be equal to or better than Original Medicare parts A and B. These plans include copays and caoinsurance amounts when you visit network hospital and doctors. These are referred to as Aetna Medicare Advantage Plans (Aetna MA plans). Aetna MAPD plans are the same except they also include Medicare Part D prescriptions drug coverage.