Aetna: With over 150 years of experience in the medical
insurance industry, Aetna has become one of the most reputable insurance
companies in the country. Aetna was founded in 1853 and now insures millions of
people each year in the United States. With skyrocketing health care costs,
having proper health insurance is a valid concern for many. When choosing health
insurance, it is important to get a complete view of each insurance plan.
Learning about the benefits of an insurance company can help you decide if that
company offers a health plan that is right for you and
your family.
Below are reviews of Aetna health insurance. If you have questions
about the differences between policies or what Aetna policies are
available in your state, you can call toll free
1-877-698-6645 to speak with a health
insurance specialist.
Aetna Health Insurance Review from Illinois:
My wife and two children and I live in the state of Illinois.
Our current health insurance plan is a Choice POS II Plan that is provided by
Aetna. The plan itself is a consumer driven health care plan. This plan is
offered to me through my place of employment. The premium that I pay is $62.00
weekly, and is automatically withdrawn from my pay check.
The Choice POS II Plan is a PPO, and is very convenient for a
family. How the plan works is simple, at the beginning of each year the family
is allotted a $3,500 deductible. We can go to the doctor as often as we need and
we do not pay any co-pays. The fees are automatically withdrawn from that $3,500
deductible. If we were to exceed our deductible within a year the insurance
company pays 80% of the cost, which leaves only a 20% out of pocket cost to our
family. What is nice is that there is a limit on how much you can pay out of
pocket. Once you have paid $3,000 out of pocket, the insurance company will pay
100% for the remainder of the calendar year.
Another great feature of this health insurance plan is that
there are a lot of ways not to use your deductible. One of the easiest ways is
to schedule preventative checkups with your doctor. Things that are covered as
preventative are simple things like getting your yearly physical, breast exams,
and prostate exams. For my family this was a great feature because all of my
daughter's post birth checkups did not come out of our deductible. Even this
last fall with the H1N1 scare, we were all able to get our flu shots at no cost
out of pocket.
The one drawback to this plan is that we are limited to where we
can go if we need prescription medications. Since this a consumer driven health
care plan, if we fill our prescriptions at a CVS pharmacy we can get our
medications at a lower cost. We can go to other pharmacies but the insurance
only pays 60% of the cost, as opposed to a $5 co pay at CVS per prescription.
The other problem we have is that not all medications are covered under our plan
and even if they are it is preferred that we choose a generic form of the
medication. If your doctor is an in network doctor they do a good job of knowing
what medications are covered under the plan.
Overall, I am happy with my Aetna health insurance. It is not
perfect, but in today's world what is? The health insurance plan has worked
quite well for me and my family. I would recommend this health insurance plan to
anyone with a growing family who is looking to minimize their medical expenses.
Aetna Health Insurance Review from Ohio:
My family currently receives health insurance through my
husband's employer. He is a school teacher in the state of Ohio for a charter
school. The insurance is through a company called Aetna and is the MC Open
Access heatlh insurance. Aetna actually offers these insurance plans throughout
the country. Our plan is called a Managed Choice Open Acess 2500 with Dental.
The coverage is for my husband, myself, and our 2 year old daughter.
Our insurance plan covers medical and dental, vision is not
covered. It is a PPO plan, and we have NOT found any doctors in our area that
are not PPO providers for our network. We have a high deductible plan, $2,500
per individual or $5,000 per family deductible. After our deductible is met, our
insurance plan covers 80%. There are several items that are covered without
having our deductible met. Any routine preventative care such as well-baby check
ups, child immunizations, pap smears, mammograms, and dental checkup/cleanings
are covered 100% without meeting our deductible. We had the option
of going with a low, mid, or high deductible plan and chose the high deductible
at $325 a month because we pay for it completely on our own. The low
deductible plan on the other hand, cost $650 per month for our family of three.
My 2 year old daughter has gotten the most use out of our
insurance. We use the insurance for her well-baby visits and for her
immunizations. Shortly after she was born, we learned that we needed to know
what our insurance coverage is and not rely on the medical billing department at
our doctor's office. The doctor actually suggested that we get her immunizations
at the health department because they are cheaper. After doing so the first
time, I called and talked to my insurance company and learned that they cover
100% of immunizations. So, after informing my doctors office of that, we
received all immunizations there and did not have to make a donation to the
health department for immunizations. We were also told we needed to pay a $30
copay for the office visit by the receptionist the first time. Again, I
discovered that was wrong as long as it was a routine check-up it is 100%
covered, no copay. Now, before receiving any medical care I make a call to Aetna
member services and find out exactly what is covered.
We try not to use our
Ohio health insurance for non-routine
visits unless it is an emergency due to the high deductible. For a cold or flu
virus we take all measures to get well at home because of the $30 office visit
and for any procedures or tests ordered. When I had to have my wisdom teeth
removed we were responsible for the entire bill because our deductible was not
met. On the other hand, in the even of a major medical expense such as a
surgery, in which the expenses are $10,000 or more, our insurance covers
everything 100% after we pay out-of-pocket maximum. At that point, our
deductible and co-insurance is met for that year and anything else we need
medical care for is also covered 100%.
Aetna Health Insurance review from Maryland:
My current health care provider is Aetna health insurance. I
have individual coverage only for myself because I do not have a wife or
children. My Mother and brothers and sisters also live in Maryland and asked if
I would put them on my insurance but the Aetna said no, and they would have to
get their own plan. I really like the insurance company I am with. Aetna
directed me to the best doctors in Baltimore and the customer service is always
excellent when taking my phone calls and sending me material in the mail. Where
I live many jobs do not offer health insurance and the children of these people
sometimes do not meet the correct requirement to have insurance either. Most of
the ones that do offer it, like Blue Cross provide nothing like Aetna so I am so
happy to have a job where I can pay for my own insurance.
My health insurance is classified under PPO. This makes it an easy plan to use
because it is NOT an HMO - health maintenance organization. My copays are
usually 30 dollars per doctor visit. At times they can reach a max of 40 dollars
a visit but I must be having some serious testing or checkup done by a
specialist. My monthly premium is only 155 dollars per month and does go up a
little every year.
I have used my Aetna insurance card more than once. I can
remember when I was having stomach pain on a Monday and I made an appointment to
see a doctor on Friday. Well Wednesday morning I could not even get out of bed
so I called off of work. Without making an appointment I took a taxi to the
doctors and waited in line of about 50 people to explain the pain I was in and I
could not wait until Friday to take care of it. A receptionist came around and
took my information and insurance card. After she wrote down the information she
went to the counter and told the head receptionist I have Aetna PPO health
insurance. About 5 minutes later the head nurse called me in and directed me
right in to the head doctor without having to wait. I’ve learned the trick of
always keeping my Aetna card information in my pocket so if I get sick, and I
will have my card with me and I can still a doctor immediately.
Not having insurance would just be completely crazy. I am an
accountant and in my local area Aetna is the best health insurance I ever had.
Yes my insurance does cover dental and eye insurance which is a big help to my
life.
Aetna Health Insurance Review from Virginia:
I have a thirteen year old girl, and honest to god every day I
wake up I am thankful that I have an incredible insurance policy through my
employer that pays for my medical insurance. My Aetna is an HMO and it
doesn’t pay 100% on everything, but when I receive the bill and find out just
how much I would have had to pay had I not been insured I realize that there is
no way in the world that I could have afforded kind of care without it.
My doctors office visits are covered 100%, with just a $20 co pay. The only time
that I have to pay anything else is if I have to go outside the doctors office
for special tests or extended medical care, which so far I have not had to do.
My daughter did have to get an MRI done on her knee, she's in athletics, and I
did have to go to another location to have it done, but only had to pay a
fraction of the cost of the procedure. I only had to pay $250 of an almost $1200
bill.
That is when I realized that without my Aetna coverage I simply could not afford
the care that she received, and probably would not be able to allow her to
participate in sports programs without it, as she is incessantly injuring
something in one manner or another. But so far we have been able to get it
taken care of with routine office visits and the $20 co-pay that accompanies
those visits.
Right now my insurance through Aetna has a $500 deductible per person, and has
an 80/20 co-insurance payment for costs related to hospital or charges incurred
outside of the doctor's office, but the deductible is capped at just $1000, so
should the 3 of us for some unfortunate reason have to use the full amount of
the coverage that $1000 deductible would be all I would have to pay for the
whole year. This would mean a lot more to a family of 4 or 5 let's say, but a
blessing to us none the less.
As I said before we have been very fortunate to not have had to use the full
benefit package, but I attribute a lot of that to the fact that my Aetna primary
care is so affordable that things have not been allowed to go untreated leading
to unnecessary hospital visits or emergency care that would have been completely
preventable. A hospital stay would have an additional 20% of total cost of
care, but I still can get into the best hospitals with the best care, and the
hospitals are very good at setting up payment plans that allow you to pay for
remaining charges that we may not be able to afford otherwise.
Our coverage also carries a dental and vision plan that allows me to get primary
care often times for free and/or a very small co-pay, and on extensive treatment
for as much as 30 to 60% off of the normal charge, saving us a considerable
amount on these services.
So as I say, I wake up every morning, thankful that I have exceptional Aetna
health insurance coverage for my family because it gives me peace of mind
knowing that my family can count on me to deliver their health care needs.
Insert your review here:
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For any questions about Aetna health insurance, deductibles, co-pay, or any
other health insurance related questions, please email us at
info@HealthInsuranceReviews.com.
Or you can call us toll free at
1-877-698-6645 to speak with a health
insurance specialist who can answer any questions you may have about Aetna
health insurance or any other question about health insurance.
