Connecticut-based Aetna offers a wide variety of health insurance plans for families, individuals and students. Aetna also offers benefits through various employers in the United States. If you are interested in purchasing insurance from Aetna, you should know that many of their plans are designed as Health Maintenance Organizations, or HMOs. This means that you will need to select a network medical provider to be your primary care physician. However, Aetna prides itself on offering consumers choice and has a variety of other insurance options available. Nearly 19 million people in the United States receive health insurance through Aetna.
Not all Aetna plans require patients to deal with an HMO. Aetna also offers several PPO (Preferred Provider Organization) plans, as well as some more traditional options that allow patients to see any provider they choose. Students can also choose to purchase insurance from Aetna if they are not covered by their parents’ plans. Most plans are competitively priced and, due to network structure, may have lower deductibles than similar plans from other companies. Available plans may vary from state to state.
Aetna offers dental insurance as a supplement to its health insurance plans, although dental insurance is not offered as a stand-alone product. Benefits and fees will vary. Dental plans through Aetna are structured much like your health insurance; you can choose a DHMO (Dental Health Maintenance Organization, or as Aetna calls it, a DMO), PPO, indemnity, or freedom of choice. Individuals who choose to enroll in a DMO plan will need to choose a primary care dentist who will handle all necessary dental care. Preventive care is covered in full once every six months and basic procedures are covered after a copay has been determined. Aetna Insurance also offers life and disability insurance for interested parties.
Although Aetna is one of the leading insurance providers on the market, like any other company, it has advantages and disadvantages. Aetna imposes exclusion periods for pre-existing conditions and performs an extensive medical evaluation. Young mothers may want to consider another health insurance provider if they are pregnant and cannot cover the costs on their own. Aetna insurance does not cover maternity-related expenses; however, it covers complications of pregnancy. Newborns are also covered for the first 31 days. Finally, Aetna does not provide insurance to people over the age of 64 ¾. Aetna’s extensive coverage and competitive prices may be enough to offset these drawbacks. Do your research before making a final decision.
If you need help finding coverage with Aetna, please visit our website at http://www.health-insurance-buyer.com and provide your contact information so we can respond to your request and guide you.