Aetna Medicare Health Plans Aetna Medicare is a Medicare health plan that helps cover the medical costs that Medicare does not pay for. These plans are created in cooperation with the government and are called Medicare Advantage plans.
The Aetna Medicare Advantage programs cover basic
hospital and doctor bills as well as vision and hearing expenses. Additional prescription drug coverage can be
added. Aetna offers four types of coverage, HMO, PPO, Private, and Special Needs. Let's take a closer look at
each of these plans:
The Aetna Medicare HMO plan grants you access to thousands of doctors in the Aetna network. Before choosing this option, you should check the directory to make sure your doctor participates in the network or you will have to change doctors. The HMO plan offers several advantages. You will have predictable medical costs that are no cost or flat fee. You won't need referrals to other doctors in the network and will also have coverage for most prescription drugs covered by Part D. Your copay for preventative care may be as low as $0. The benefits also include gym memberships at no cost and allowances for glasses and hearing aids. Aetna PPO plan offers many of the same advantages as the HMO in that you have predictable costs, drug coverage, fitness benefits, and $0 copays on routine office visits. The PPO plan also allows you the flexibility of choosing a primary care physician outside of the network. The Aetna Medicare Open or private pay plan is similar to the PPO plan in that you can visit any doctor or hospital that takes Medicare and agrees to the terms of the plan. This allows you to travel and receive coverage nationwide yet maintain predictable costs. Aetna Special Needs plan is available for certain eligible participants who are qualified for both Medicare and Medicaid. This requires residence in a particular service area and offers flat rate copayments and drug coverage. To be eligible for Aetna Medicare plans you must first be eligible for Medicare. That means you must be 65 years old, or younger with a qualifying disability. You must also live in an area of the country that Aetna currently services. You can only change Medicare health plans during certain times of the year which is usually November through December for the following year. The exception is if you lose coverage because you move or if you are new to Medicare because you just turned 65. Under those circumstances, you can apply for Aetna plan throughout the year. If you are trying to decide upon an insurance company to go with, keep in mind that Aetna has been a major presence in the industry for over 150 years. They offer services nationwide and cater to over 30 million customers. They have ample experience and offer many useful perks to supplement their insurance coverage making them a solid choice. Return From Aetna Medicare To Medical Health Plans
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