Aetna Health Insurance 2020

Aetna is one of the longest standing health insurance companies offering a wide array of various Aetna health insurance 2020 plans. It provides supplemental insurance to support your current plan, like critical care options. However, it does not provide short-term insurance that can be useful in covering gaps in insurance.

As regards to the company’s financial strength, Aetna receives robust financial ratings. The customer satisfaction ratings are vital when evaluating your options. With an A+ rating, you can be sure that Aetna is a trustworthy insurer.

The insurance products of the company are wide. In addition to individual coverage, it also provides family and Medicare health insurance options. You can also opt to participate in its health savings plan. In this plan, you can save money, which is free of tax.

Benefits of Aetna Health Insurance Plans

1.) Preventive Care

Your plan can pay for your preventive care. And it would include yearly doctor’s visits, as well as children’s immunization.

2.) Health Savings Account

It is an ideal option to help you meet your insurance deductible. You can put some of your money into this account so you can easily satisfy your deductible or other healthcare-related perks.

3.) Affordable

The plans of Aetna are affordable. When you obtain quotes from us, you can evaluate how affordable the options are by comparing the plans side by side. Despite their affordability, it is vital to consider obtaining a health insurance plan that is ideal for your budget.

4.) Wider Provider Network

The company has a wide provider network. Thus, if you travel frequently in foreign countries, there is a huge chance you will get covered in case you meet an accident or sustain an injury that requires medical attention.

5.) Family Coverage

This insurer offers family plans that include benefits not just for yourself but also for spouse and your kids’ doctor’s visits. Its plans may also cover prescription, preventive and hospitalization.  Here are the common health insurance plans of Aetna that you can obtain in 2020.

1.) Health Maintenance Organization (HMO)

It is a budget-friendly insurance plan. In fact, it is one of the cheapest types of health insurance being offered by Aetna. Its premiums and deductibles are low and it has fixed copays for your physician visits.

However, it needs you to pick physicians in your network. For that reason, it is best that you contact your current physician to know whether or not he/she is part of the plan that you wish to obtain.

If he/she is not, you need to choose a primary care physician (PCP) when you sign up for the plan you want. Your PCP will supervise your regular checkups. However, if you need to see a specialist, your PCP will give you a referral.

Your PCP will facilitate your health services. In that case, you will need to choose a doctor that you trust.

On the other hand, if you need to see a doctor who is outside your plan’s network, you will have to pay higher deductibles.

HMO is a huge help if you are out of budget. Out of all the Aetna health insurance 2020 plans, HMO is the least expensive. As a result, it can help you lower your expenses.

2.) Point of Service (POS)

It works like an HMO. That is, it needs a referral from your primary care physician before you can see a specialist. However, you can still see a doctor how is out of your plan’s network. But you will need to pay higher premiums.

POS is an ideal plan if you have a certain condition and your doctor is not in the network. For example, if you have a type 1 diabetes, it is understandable that you will see various specialists.

If you get sick, while you are out of town, your plan will cover the medical expenses. The flexibility of this plan is worth it for some individuals with certain medical conditions.

3.) Exclusive Provider Organization (EPO)

It is the least popular type of health insurance. It still works like an HMO. In this case, it covers in-network medical care. However, its networks are larger compared to the HMOs.

This plan may not necessitate you to obtain referrals from your primary care physician. However, the premiums are quite higher than the HMOs. But they are lower than the PPOs.

EPO is an ideal plan if you travel frequently. In that way, you can still get medical care if you are away from your home as you can easily find in-network specialist. Since it does not require referrals, you can easily see a specialist at your convenience.

4.) Preferred Provider Organization (PPO)

This plan is more expensive than HMOs. However, it lets you see a specialist without the need to get a referral from your primary care physician You also do not need a referral for an out-of-network doctor.

Although the premiums on this plan are quite pricier, the coinsurance and copays are low, if you choose in-network doctors. PPO is a good choice if you need more health care.

5.) High-Deductible Health Plan (HDHP)

In this plan, it has low premiums. However, the out-of-pocket costs are higher. If you choose this plan, you may wish to pair it with HSA to cover all of your deductibles. You can further save with this plan by depositing your pre-tax dollars into this plan.

Mammograms, colonoscopies and some preventive care services may be free of charge. They remain free even if you were unable to meet your deductible.

Some health insurance plans of Aetna may provide gym membership discount. Aetna offers discounts on membership to 24-hour fitness clubs and YMCA.

Apart from gym membership, Aetna also offers discounts on various holistic products, such as supplements and yoga equipment. They are beneficial if you are into yoga and massage.

Aetna health insurance 2020 plans are aplenty. To help you find the right option, please use our website. You can obtain free quotes and compare them side by side for easy comparison shopping.