Aetna Insurance – What to Expect From Aetna Health Insurance

Connecticut-based Aetna offers a wide variety of health insurance plans for families, individuals and students. Aetna also offers benefits through various employers throughout the United States. If you are interested in purchasing Aetna insurance, you should know that many of their plans are designed as Health Maintenance Organizations, or HMOs. This means that you will be required to select a medical provider from the network to be your Primary Care Physician. However, Aetna prides itself on offering choice to consumers and has a variety of other insurance options available. Nearly 19 million people in the United States receive medical insurance through Aetna.

Not all of Aetna’s plans force patients to deal with an HMO. Aetna also offers several PPO (Preferred Provider Organization) Plans as well as a few more traditional options that allow patients to visit any provider they choose. Students can also choose to purchase Aetna insurance if they are not covered under their parents’ plans. Most plans are competitively priced and, due to the 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 an addition to its health insurance plans, although dental is not offered as a stand-alone product. Benefits and rates will vary. Dental plans through Aetna are structured much like their medical insurance; you can choose a DHMO (Dental Health Maintenance Organization, or as Aetna calls it, a DMO), PPO, indemnity, or freedom-of-choice. People who choose to enroll in a DMO plan will be required to choose a Primary Care Dentist who will take care of all needed dental care. Preventive care is covered in full once every six months and basic procedures are covered after a co-pay 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 both advantages and disadvantages. Aetna does impose pre-existing condition exclusion periods and performs extensive medical underwriting. Young mothers may want to consider another health insurance provider if they are pregnant and cannot cover the costs themselves. Aetna insurance does not cover maternity-related expenses; it does, however, cover pregnancy complications. Newborns are also covered for the first 31 days. Finally, Aetna does not provide insurance to anyone older than 64 ¾ years old. The broad coverage and competitive pricing Aetna provides may be enough to offset these drawbacks. Do your research before you make a final decision.

If you need assistance 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.

Source by Carlos Diez

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