The New Florida POS Open Access Value Plans
With the introduction of the new competitively priced Aetna Individual and Family Health Insurance Plans in Florida, Aetna has become a major force in Florida Health Insurance again. Having one of the strongest and best run companies in America doesn’t hurt either. Aetna Health Insurance is now finally affordable to everyone in Florida.
If you currently live in Florida and are paying too much for your health insurance, or you think you can’t afford health insurance now is the time to look at Aetna’s New Health Insurance plans for Individuals and Families. You have access to Aetna’s network of 912,000 providers and your health is their primary concern. For an Aetna health insurance quote in Florida now please visit our Florida health insurance quote page.
With the introduction of the new competitively priced Aetna Individual and Family Health Insurance Plans in Florida, Aetna has become a major force in Florida Health Insurance again. Having one of the strongest and best run companies in America doesn’t hurt either. Aetna Health Insurance is now finally affordable to everyone in Florida.
If you currently live in Florida and are paying too much for your health insurance, or you think you can’t afford health insurance now is the time to look at Aetna’s New Health Insurance plans for Individuals and Families. You have access to Aetna’s network of 912,000 providers and your health is their primary concern
There are a variety of other plan options as well offered by Aetna’s extensive portfolio in Florida, where an individual is able to choose a plan that best meets their specific needs and budget. As health care reform debates perpetuate a need for more economical health insurance options for individuals, Aetna continues to penetrate the market with their ever evolving benefit enhancements and competitive premium costs.
Their newest plan choices for individuals in Florida include the extremely affordable Value Plans. These plans are for people who typically visit the doctor for their annual check-up and then seldom for a sick visit and usually don’t take any medication. In other words healthy, young budget conscience Floridians. These plans do however cover all generic medication under the new Aetna plan designs which would also probably be a viable alternative for older, less healthy Floridians.
Plan Breakdowns
Firstly I will admit that the following information is going to look complicated and it will look like you have more choices then you can possibly understand. But do not worry, the plans are very simple and I am going to offer some basic definitions before we get into the actual individual health and medical plans from Aetna. Secondly, Aetna has all of these choices because they want to give the consumer the best option for their wallet but at the end of the day the only thing that matters is one thing, price. So read these definitions and then get a quote from our Aetna individual Florida quoting engine.
POS Open Access Plans in Florida- These are the normal Aetna plans that are traditional with copays for everything and the plan preferred by 90% of the consumers that I meet and talk to.
POS Open Access Value Plans with Limited RX in Florida – These are the new Aetna plans that are identical to the ones above only they have basic drug coverage only which is a great option to me as most people don’t take medications and I believe that the pharmaceutical companies are the ones most responsible for health care costs rising so quickly. So get some generics and sign up for these new Aetna plans in Florida provided they are cheap and competitive with other Florida health insurance providers.
POS HSA Plans or High Deductible Plans- I don’t personally think these plans are so important during a recession/depression but basically they are plans with high deductibles where you pay 100% of all medical costs till a certain dollar amount usually about $3000 and then the health insurance company pays the rest including prescriptions, office visits, everything except dental and vision. Of course you can pay these first expenses with pre tax dollars making it a great vehicle for rich people looking for tax shelters.
POS Value Plans- these are older Aetna plans with a maximum of 5 office visits and limited generic prescription coverage. What I love about these plans compared with the competition from other carriers such as the Golden Rule copay saver (NEVER BUY THE COPAY SAVER the copay select is fine as is their other plans but stay away from their saver and if you can the saver 80) is that they cover 100% of your office visits after your deductible so even though the plans are limited, should you get an outrageous medical situation your costs will all be picked up at some point without you having to sell your house or go on Oprah to beg for a surgery.
Florida Hospital and Preventative Plans – just what it says folks, Aetna pays all of your hospital bills and picks up your annual physical.
Now remember just because Aetna is better then most carriers in Florida doesn’t mean they are the best in your zip code or demographic so always get a comparison health insurance quote or call us for help. A good example though where Aetna prices the best is traditionally always Miami and if you have more then 2 children and are a single mother or father.
Aetna B+
They are the opposite of Blue Cross Blue Shield as I actually love everything about this company. Their benefits are better then everyone elses, their customer service excels and they get no special treatment from anyone. The only downfall was that unforunate 20% rate increase this year due to a mistake in underwriting which meant they took on too many high risk cases that should probably have gone to Medicaid or a group plan. Until these people drop off Aetna will be stuck here. Though they have engineered some new plans we are most likely to recommend them in Northern Florida and South Miami.
Aetna Health Premiums Grade B-
If I would have written this in January I would have given them a D+ except in Miami Dade where Aetna was very competitive. Part of the reason for the Aetna rates being so high was in fact because they are a good, moral company who tried to cover everyone and they got burned hard when their claims came back. Thus they had a hard increase last year. Now with the release of their great, new plans we are back on the Aetna bus and loving it.
Aetna Benefits Grade B+
Awesome benefits, only Blue Cross has slightly better benefits and Vista as well (Vista is an HMO in Florida so they are built for preventative care which means more comprehensive coverage) of course this might be ok. Everyone is different and depending on how much you spend per year on medical costs will determine which we plan we show you. Though if I had my choice everyone in Florida would either have Vista (and Coventry as well as they now own Vista and are excellently run), Blue Cross, or Aetna. Indeed these are the three leaders in South Florida individual health insurance.
Aetna Customer Service Grade ?
Usually I would give a grade here, but coincidentally I called Aetna twice recently and both times was on hold for an extended period of time. This of course is the broker line and Aetna does have excellent customer service and is certainly one of the easiest companies to work with in Florida the other is United (though they are certainly nowhere close to Aetna, Blue Cross, or Cigna in the individual Florida health insurance market.)
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