Aetna

Aetna was founded in 1850 in Hartford, Connecticut, and has continued to be one of America’s key insurance companies for life, medical, dental, vision, disability, and other lines of coverage. Aetna Health Inc., a subsidiary based in Pennsylvania, operates HMO plans in many states, while Aetna Life Insurance COmpany offers PPO and supplemental plans nationwide and in Pennsylvania.

With a national network of more than 1 million providers and 5,400 hospitals, Aetna serves 18 million health insurance members, and 30 million members in all markets combined. Aetna holds an accreditation from the National Committee for Quality Assurance with a Commendable rating for their commercial plans, and an Excellent rating for Medicare coverage.

Pennsylvania residents of all types are served by Aetna, from those who are eligible for Medicaid to individuals and families in need of a private plan. Those shopping for an individual policy have their choice of various PPO plans, ranging from catastrophic coverage to comprehensive, and a selection of HMOs, as well.

Aetna individual HMOs are offered exclusively in Pennsylvania. With low deductibles, HMO plans restrict members to one network, yet are busting with upfront benefits. Such plans are ideal for those who plan to use their health care coverage. PPOs are also a great choice, and offer lower premiums.

 

 

Aetna Individual Plans in Pennsylvania

Compare All Individual Plans in Pennsylvania

Health Maintenance Organization (HMO)

For members who want a lower copay, in high number, on commonly used healthcare services, HMO  1500 plans offer unlimited office visits, prescription drugs, and home health care before deductible. All other plans are offered with no deductible, therefore covering all services for a predictable copay. Know how much each of your services such as hospital care and emergency services, far in advance. Members are required to select a primary care doctor to administer their care.

Aetna PA HMO 1500 Benefits

Aetna PA HMO 20 Benefits

Aetna PA HMO 30 Benefits

Aetna PA HMO 50 Benefits

 

High Deductible PPO

Available with a deductible of either $3,000 or $5,000, these plans offer HSA-compatible coverage with free preventive care from the day your plan starts. Benefit from a low monthly premium and add funds to your health savings account, or just use the plan to save money each month. However, be conscious that you will pay everything out of pocket before you meet your deductible. Members do have access to Aetna wellness discounts and programs, as well as other perks. Coverage is 90 percent after deductible.

Aetna PA High Deductible PPO 3000 Benefits

Aetna PA High Deductible PPO 5000 Benefits

 

PPO

PPO plans from Aetna offer traditional coverage in a variety of deductibles, ranging from $750 to $7,500 (which includes dental coverage and unlimited office visits). Most plans cover primary care and specialist visits without limits, though some offer a certain number of covered visits. Pennsylvanians pay out of pocket on hospital services until their deductible, and then receive 80 percent coverage when using in-network providers. Premiums are lower than HMOs, yet higher than high deductible plans, so you get a fair amount of upfront coverage for a decent price.

Aetna PA PPO 750 Benefits

Aetna PA PPO 1500 Benefits

Aetna PA PPO 2500 Benefits

Aetna PA PPO 3500 Benefits

Aetna PA PPO 5000 Benefits

Aetna PA PPO 7500 w/ Unlimited Office Visits & Dental Benefits

 

PPO Value

A bit less costly each month, PPO Value plans provide up to three covered visits with a primary care doctor or specialist, as well as generic drugs. These are an affordable alternative to the traditional PPO, and great for those who may not need so many covered visits for illness and injury. After deductible, these plans cover 60 to 80 percent of your medical costs, though generics stay at a $15 copay and preventive care is free throughout your plan.

Aetna PA PPO Value 1500 Benefits

Aetna PA PPO Value 2500 Benefits

 

Preventive & Hospital Care

This is a catastrophic plan and only offers limited coverage for preventive care and several services received in the hospital. Benefits include inpatient services, emergency care, skilled nursing, and home health care at 20 percent coinsurance after deductible. Preventive services are always free when using Aetna PPO network doctors and facilities, and plans are also HSA-qualified.

Aetna PA Preventive & Hospital Care 3000 HSA Benefits

 

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