Aetna is, unarguably, one of the largest and most popular health care insurance providers, available in the United States. With over 37 million customers, it is also ranked as the most admired health care company by courtesy of the Fortune magazine. A national network of physicians, doctors and hospitals accepting Aetna, it offers convenience in finding coverage, should you decide to move or travel.
What does Aetna have to offer?
Aetna offers some of the most comprehensive and competitive deductible plans amongst the top health care providers on the market today. On their website (Healthinsurnace.aetna.com), Aetna health outlines in detail each plan available to both individuals and families, according to the state. Choosing the right plan for you A downloadable brochure offers side-by-side comparison to assist in choosing the right plan for you. Free quotes are available online, through email, or by calling 1-800-694-3258 (1-800-My-Health) to reach a live representative. Many health care insurance companies will compete for the lowest deductible possible to attract more customers, and this is where Aetna stands out. Aetna benefits Aetna also offers deductibles with higher costs which complement HSA, or Health Savings accounts. These higher deductible plans act as a medigap policy, used to offset certain medical expenses. Another benefit is the ability to contribute to your HSA tax free, earning interest and offering additional savings. Whether or not you are setting up an HSA, you should consider which expenses are covered under the plan you choose. Your plan should be customised to determine whether or not, physicals, preventive care, pharmacy medication and/or shots should be included. Based on your needs, you will also want to distinguish whether HMO or PPO is right for you.
Should I choose HMO or PPO?
Both Aetna health and Aetna dental plans are available in HMO or PPO. Both HMO and PPO plans contract work out to health care provider. However, HMO (Health Maintenance Organisation) is geared towards a specific set of doctors used in the network. HMO plans are generally cheaper and will require a primary care physician who will refer a pharmacy, clinic or hospital you can visit for services. Preferred Provider Organisations PPO (Preferred Provider Organisations) plans deal with both in-work and out of network providers. Although PPO plans allow for care at any provider, you will pay more for out of network providers. PPO plans do not require a primary care physician.