Aetna Advantage Plan

The Choice Of Plan And Using DocFind Aetna

By: - Product Reviews - December 2, 2011
aetna advantage plan the choice of plan and using docfind aetna

The Aetna Advantage plan insurance is made up of four different options for medical insurance coverage. The options you have for insurance will depend on different things and not every plan that Aetna has is available to everyone. Often it will depend on what state you live in. Prices for the plans will not only depend on the state you live, but can also depend on the county in which you preside. Many of the Aetna Advantage plan choices are only available through an employer, but even the self-employed individual who needs a medical insurance plan has great choices from Aetna.

The first of the four options Aetna has for medical insurance in the Aetna Advantage plan is called PPO High-Deductible 5000. This plan has low premiums, high deductibles and is designed to work with another Aetna plan called a Health Savings Plan which is discussed below. For a single person, starting at around $135 a month, on average, the PPO High-Deductible 5000 has an in network $5,000 deductable and an out of network deductable of $10,000.  The out of pocket maximum is the same. In the Aetna network, co-insurance will be 0% after deductable and 50% when out of network. Aetna claims this plan has some of the lowest premiums in the country, but you have to remember, it has a very high deductible which may not be great for everyone.

A PPO plan it the second option in the Aetna Advantage family. When you are a member of one of the several PPO plans Aetna offers, you will have access to a large network of preferred providers that include general practitioners, specialists and hospitals. You don’t need to choose a primary care physician and you will be able to see any provider in the network without a referral.  When you have a membership with the PPO health insurance plans from Aetna, you will find that there are two levels of coverage…in network and out of network. Your plan will pay for more of your care when you choose a doctor that it in the network, but they will still pay for some of your coverage if you go out of network. An example of how this work may be that your plan will have a $40 co-pay for an office visit when the doctor is in network, but if you go out of network, they will pay 50%, but only after you have hit your deductable. The deductibles on these PPO plans range from $1500 all the way up to $7500. These plans, for a single individual, range from approximately $135 to $294 per month.

Aetna Advantage offers the PPO Value plan as the third option. This is similar to the PPO plans discussed above, but they are cheaper. The deductibles range from $2500 to $10000. Comparing this plan to the PPO plan of the same deductible, one of the differences is that you will pay more for office visits. For instance, when comparing the PPO 5000 plan with the PPO Value 5000 plan, the office visit with the PPO 5000 plan is $40 for all visits no matter how many times you go. With the PPO Value 5000 plan, the co-pay is only $30, but only for the first two office visits in you benefit year. After that, you must reach your deductible then you will be responsible for 30%. If you are a person who is relatively healthy and only goes to the doctor once or twice a year, the value plan may be better, but you have to consider if something happens to you where you will need to go more than that.  You could be looking at big bills.

The fourth option in the Aetna Advantage program is the Preventive and Hospital Care 3000 plan. This plan is for people who may want a little bit of coverage in case they need a hospital visit, but they may not feel that they need to carry full insurance. With this plan, there is a $3,000 deductible, but you will pay out of pocket for all office visits and prescriptions. After the deductible is met, you will be responsible for 20% of hospital stays, skilled nursing and home health care. This plan is designed to work with a health savings account which was also mentioned above. A health savings account (HSA) is a type of account that you put money into, like a bank account, but you can only use it for health related costs. For instance, your employer may deposit $20 into the HAS account each time you are paid. This money will sit in the account and collect interest until you decide to use it. It can be used for anything like office visits to paying for part of a hospital stay.

Should you choose to be a part of Aetna, or you are wondering if your current doctor accepts the Aetna insurance, you can use a website application of Aetna’s called DocFind Aetna. You can search your area for any type of doctor imaginable when you use DocFind Aetna. You can also search DocFind Aetna by name, specialty or even the gender and languages a doctor speaks. If you would like to know more about any of the plans offered by Aetna, see their official website at