Aetna’s plans in the California health insurance are not very competitive in price in most demographics, however Aetna does have certain age bands and family sizes where they absolutely dominate including young females, single parent families with more than 2 children, 2 parent families with 2 or more children, and young males in parts of California. Additionally, they offer the AARP individual health insurance plans (or more specifically underwrite them) for all California residents over 55.
If you fit this bill or even if you don’t run a California health insurance quote and don’t rule out Aetna, especially if you have medical issues as they are the most forgiving of the companies that I have run into so far.
All Managed Choice Open Access Plans, MC* Value Plans, MC* High Deductible Plans, and MC* First Dollar Plans include:
- Visit most any licensed doctor or hospital you choose. Your out-of-pocket costs will be lower in Aetna’s nationwide network of participating physicians and hospitals.
- Unlimited office visits to your primary care physician and specialists (copays, deductibles, & coinsurance apply to MC* Value plans)
- No claim forms to fill out when you visit a network provider
- No referrals required to see a specialist
- No waiting period to access preventive health (routine physicals)
- 100% annual routine GYN exam coverage — no waiting period, no dollar maximum, and no copay or deductible when you visit a network provider
- Coverage for prescription drugs
- Routine physicals include lab work and X-rays
- 100% coverage on in-network childhood immunizations
MC* Value Plans
- Lower monthly premiums (that’s the “Value” part).
- Unlimited doctor’s office visits.
- No deductible for generic prescription drugs.
MC* First Dollar Plans
- Freedom from deductibles when you choose an Aetna medical provider.
- Lower copay for in-network provider visits.
- No deductible for generic prescription drugs.
MC* High Deductible Plans (HSA Compatible)
- 100% coverage in network after your deductible is met
- Lower monthly premiums, high annual deductibles (at least $3,000 for individuals and $6,000 for families).
- Can be paired with a tax-advantaged Health Savings Account (HSA).
To establish a Health Savings Account…
First enroll in an Aetna HSA-compatible High Deductible Health Plan. Then request HSA enrollment materials by calling 1-800-694-3258 or visiting www.aetnaindividualhsa.com to view and download the materials.
Why Choose an Aetna HealthFund HSA?
- No set-up fees
- No monthly administration fee
- No withdrawal forms required
- Convenient access to HSA funds via debit card or checkbook
- Track HSA activity through Aetna Navigator™
The HSA Investment Account allows you a number of different ways to invest for the future, complementing the interest earning HSA Cash Account.
Add Dental PPO Max
With the Aetna Advantage Dental PPO Max insurance plan, you can obtain services from either a participating or non-participating dentist. Participating dentists have agreed to provide services at a negotiated rate for both covered services, as well as non-covered services such as cosmetic tooth whitening and orthodontic care, so you generally pay less out-of-pocket. You also have the flexibility to visit a dentist who does not participate in Aetna’s network, though you will not benefit from negotiated fees. Dental is offered only if medical coverage is obtained
Want to cover your children only?
All Aetna Advantage plans are available for children only, which means you can enroll your child even if no other family member enrolls. Coverage includes immunizations, well-child visits, emergency room and dental preventive services (if dental is selected).
Note: when an HSA Compatible plan is selected for child only enrollment, an HSA account is not available for the child.
Aetna Fitness Program in California
With our Fitness program, eligible Aetna members and their families can enjoy preferred rates* on fitness club memberships at over 2,000 fitness clubs within the GlobalFit™ network. In addition, members can access other programs such as at-home weight loss programs, home fitness options and even one-on-one health coaching** services.
Aetna Weight ManagementSM Program
The Weight Management Program can help you achieve your weight loss goals by providing you with a sensible weight loss plan and balanced nutrition guide to fit your lifestyle. This program provides Aetna members and their eligible family members access to discounts on Jenny Craig® weight loss programs and products. Start with a FREE 30-day trial membership; then choose either a 6-month2 or 12-month2 program that’s right for you. You also receive individual weight loss consultations, personalized menu planning, tailored activity planning, motivational materials and much more.
Aetna Natural Products and ServicesSM program
Eligible Aetna members and their families can access complementary health care products and services at reduced rates through the Aetna Natural Products and Services program. Members can save on acupuncture, chiropractic care, massage therapy and dietetic counseling as well as on over-the-counter vitamins, herbal and nutritional supplements and other health-related products.
Eyecare Savings
Aetna VisionSM Discounts program offers special savings on eye exams, contact lenses, frames, lenses, LASIK eye surgery, and eye care accessories.
Aetna Natural Products and ServicesSM program, Eyecare Savings, Fitness and similar discount programs are rate-access programs and may be in addition to any plan benefits. Discount and other similar health programs offered hereunder are not insurance, and program features are not guaranteed under the plan contract and may be discontinued at any time. Program providers are solely responsible for the products and services provided hereunder. Aetna does not endorse any vendor, product or service associated with these programs. It is not necessary to be a member of an Aetna plan to access the program participating providers.
Want to save on dental expenses?
Vital Savings by Aetna® is a discount program that provides you with dental savings. This is not insurance. Enrolling in the program will give you access to a network of providers who have agreed to accept discounted rates for services. To sign up today, visit www.vitalsavings.com or call 1-877-698-4825.
Informed Health® Line
Get answers 24/7 to your health questions via a toll-free hotline staffed by a team of registered nurses.
Hearing Discount Program
Aetna’s HearingSM Discounts help Aetna members and their families save on hearing exams, hearing services and hearing aids.
Aetna Rx Home Delivery®
With this optional program, order prescription medications through our convenient and easy-to-use mail order pharmacy. To learn more or obtain order forms, visit www.AetnaRxHomeDelivery.com.
