Aetna Health care Coverage

Aetna is definitely a top provider of group medical care insurance, but lately expanded to the individual and family markets in a few states. Offering a large array of intends to select including traditional coverage, first dollar PPO plans, high deductible health savings accounts, and hospital care only policies, Aetna is currently a prominent player through these untouched markets.



Benefit Options



All their health care plans offer maintenance benefits aren't governed by the deductible. The copay balance with the insured for maintenance may vary depending on the plan selected. Maintenance overage includes annual OBGYN exams, well the children's nursery, and physical exams every 2 years.



Most policies offer prescription drug coverage using a small pharmacy specific deductible. Deductibles do range through the $250 - $500 most often. Generic, preferred, non-preferred, and oral contraceptives are included. Additionally an inexpensive dental insurance plan rider could be used with all polices.



Maternity coverage just isn't yet a possibility with individual or family coverage. Complications resulting from pregnancy are covered, but expenses related to delivery and visits to the doctor have no coverage.



Broke Expenses



The lifetime maximum is 5 million dollars per insured. If it amount is reached, the insured would cease to have coverage. The with your own money maximum will change depending on the plan selected. Broke maximum includes the deductible and/or co-insurance amounts combined. The insured would be liable for the deductible and co-insurance with traditional plans, the co-insurance with first dollar PPO plans, or even a set deductible for just a health family savings qualified plan.



Competitive Niche



Typically, Aetna coverage is affordable for singles to all age brackets and also for some family plans. Females applying alone will quickly realize the gives cost reasonably in comparison with other insurers. The Aetna network is extensive cover up a large section of place. When the insured moves, the individual will in all probability be prepared to placed their policy at their side towards cool product area.



All in all, consumers have many choices in terms of purchasing individual or family medical health insurance. Aetna is but one carrier which provides competitive plans with attractive first dollar benefits also as an extensive nationwide network of doctors and hospitals.