Aetna Health Insurance Review

#12 in Health Insurance

Aetna is an insurance company that specializes in health care innovation, accountable care and consumer health.  The health and wellness company offers insurance services for small business health plans and pharmacy services.

What’s Included with Aetna?

  • Emergency care
  • Prescription drugs
  • Outpatient surgery
  • Hospitalization
  • Primary care
  • Diagnostic tests and imaging
  • Maternity care
  • Mental health, behavioural health, or substance abuse needs
  • Rehabilitation and habilitation services

Types of Health Insurance Plans

Businesses and Organizations

Yes

Individuals and Families

Yes

Short-Term Health Insurance

Not Stated

Other Plans Offered:

  • Student Insurance
  • International Insurance
  • Medicare Insurance

Plans Reviewed

Bronze Plan

  • No overall annual limit for specific covered services
  • Overall Deductibles: $6,850 per individual for in-network providers. Some office visits, urgent care, and preventive care services does not apply in this plan.
  • Out-of-pocket limit: $6,850 per individual for in-network providersOther covered services:
  • Chiropractic care

Silver Plan

  • Overall deductibles: $2,750 per person for participating providers which does not apply specific preventive care services, urgent care, and office visits.
  • No maximum annual limit for selected covered services
  • Out-of-pocket limit: $8,850 per individual for in-network providers
  • Other covered services: Chiropractic care

Gold Plan

  • Overall deductibles: $1,400 per individual for in-network providers. Prescription drugs, urgent care, office visits, and preventive care services do not apply.
  • Other deductibles: $250 for in-network providers (prescription drug expenses per member)
  • No annual limit on specific covered servicesOut-of-pocket limit: $5,000 per person for in-network providers
  • Other covered services: Chiropractic care

*Information stated above are for customers residing in the state of Florida

How Much Does It Save You?

 

Bronze

Silver

Gold

Services Offered

In-Network

(Your Cost)

Out-of-Network

(Your Cost)

In-Network

(Your Cost)

Out-of-Network

(Your Cost)

In-Network

(Your Cost)

Out-of-Network

(Your Cost)

Generic Drugs

0% co-insurance (both retail and mail order)

Not covered

Tier 1A: $5 co-pay for retail and $12.50 co-pay for mail order

 Tier 1: $15 co-pay for retail and $37.50 co-pay for mail order

Not covered

Tier 1A: $3 co-pay for retail and $7.50 co-pay for mail order

Tier 1: $10 co-pay for retail and $25 co-pay for mail order

Not covered

Specialty Drugs

0% co-insurance

Not covered

Preferred: 40% co-insurance

Non-preferred: 50% co-insurance

Not covered

Preferred: 40% co-insurance

Non-preferred: 50% co-insurance

Not covered

Outpatient Surgery

0% co-insurance

Not covered

40% co-insurance

Not covered

20% co-insurance

Not covered

Emergency Room Services and Medical Transportation

0% co-insurance

0% co-insurance

Room services: $500 co-pay per visit

Medical transportation: 40% co-insurance

Room services: $500 co-pay per visit

Medical transportation: 40% co-insurance

Room services: $250 co-pay per visit

Medical transportation: 20% co-insurance

Room services: $250 co-pay per visit

Medical transportation: 20% co-insurance

Urgent Care

$75 co-pay per visit

Not covered

$75 co-pay per visit

Not covered

$75 co-pay per visit

Not covered

Primary Care

$15 co-pay per visit

Not covered

$10 co-pay per visit

Not covered

$10 co-pay per visit

Not covered

Preventive Care Services

None

Not covered

None

Not covered

None

Not covered

Diagnostic Tests and Imaging

0% co-insurance

Not covered

40% co-insurance

Not covered

20% co-insurance

Not covered

Hospitalization

0% co-insurance

Not covered

40% co-insurance

Not covered

20% co-insurance

Not covered

*Information stated above are for customers residing in the state of Florida

Annual Maximum

Bronze

None

Silver

None

Gold

None

*Only on specific covered services

The Bottom Line

Aetna is one of the companies in our list that offers the least expensive plans. They provide several programs that works great for the different needs of their customers.

 

 

 

 

Start your review for Aetna Health Insurance