Aetna Health Insurance reported they are leaving the California commercial center for individual and family designs. The end date of every one of their plans is December 31, 2013. Every one of the 49,000 Aetna customers still have a half year to make sense of what wellbeing plan they should move to. In this article we’ll give you a straightforward mapping that prescribes which designs you should move to dependent on the Aetna wellbeing plan you as of now have, a “gotcha” to keep an eye out for, and a few silver linings to like. diecris
The easiest method to supplant your Aetna Health Insurance is to just search for an elective arrangement with the equivalent (or comparable) deductible sum. The proposals underneath will make that simple to do. With only somewhat more exertion, you could reevaluate what you require in yearly health advantages and pick an arrangement the is a superior fit for your present needs. In any case, you ought to have the capacity to locate a decent arrangement recorded beneath.
Aetna Health Insurance Underwriting Is More Lenient
This will be the gotcha for a few people. Aetna has dependably been additionally eager to acknowledge individuals with some wellbeing conditions. I know some of my customers are in Aetna designs since they had explicit wellbeing conditions that alternate bearers either would not acknowledge, or would “rate” a lot higher than Aetna. So this is something you must know about and be cautious about.
In the event that you have existing wellbeing conditions, or are “excessively short” (OK… a little over-weight), or have an appraised arrangement with Aetna, at that point you should converse with a specialist before you apply with another medical coverage organization. You’ll need to have the dealer do Pre-Screen Requests for you to perceive how the other insurance agencies will treat your application.
It’s essential to do the pre-screen step first, supposing that you simply pick a wellbeing plan, apply for it, and after that get declined or appraised much higher, it will be difficult to get other insurance agencies to think about your application.
We should begin mapping substitution designs…
Aetna Open Access MC Value Plan Alternatives
The Aetna Open Access Value designs are Aetna’s ease choice. The Value designs offer various distinctive deductibles, $8,000, $5,000, $2,500, and give 3 office visits to a basic copay, and inclusion for Generic remedies.
This arrangement depiction coordinates nearly to what is offered in the Anthem Blue Cross SmartSense designs. On the off chance that you just need two office visits as opposed to three, the best decisions are the Health Net PPO Advantage designs and the ClearProtection plan from Anthem Blue Cross.
Whenever cost of the arrangement is one of your main considerations, at that point here is the way the elective designs above ought to be utilized.
Wellbeing Net PPO Advantage 3500 – offers the best by and large esteem (cost versus benefits)
Wellbeing Net PPO Advantage 6500 – is normally the most minimal cost choice
Song of praise Blue Cross ClearProtection 3300 – Anthem’s most minimal cost arrangement
Song of praise Blue Cross SmartSense 6000 – nearest match to Aetna’s Open Access Value 8000, yet bring down expense
Song of devotion Blue Cross SmartSense 3500, 2000, 1000 – in the event that you feel progressively great with lower deductibles
In the lion’s share of cases, the elective designs from Anthem and Health Net will be bring down expense than the practically identical Aetna Value designs. You’ll have to survey medical coverage statements to perceive how the estimating searches for your area in California.
Aetna elective designs from all significant medical coverage organizations in California. The best designs!
Aetna Open Access MC Plan Alternatives
The Open Access designs are Aetna’s top of the line contributions. These designs offered boundless office visits for only a copay, gave both Generic and Brand name medicine inclusion, and offered deductibles of 5,000, 3,500, 2,750, and 1,750.
The best mappings of the Open Access designs are the accompanying:
Cigna Open Access Value designs – Cigna’s entrance designs, yet fundamentally the same as the Aetna designs yet without brand name remedy inclusion
Song of praise Blue Cross Premier designs – these plans are the highest point of the line from Anthem
Cigna Open Access designs – the top of the line Cigna designs
Blue Shield Secure Plus designs – Blue Shield’s best end designs
Wellbeing Net does not have any plans that give boundless office visits and inclusion of brand name medicines, so there are no choices recorded.