Aetna Medicare Advantage Plans
Whether you’re new to Medicare, or you’ve been on it a few years, there’s another way of getting benefits aside from Original Medicare. And that is by registering for Medicare Advantage or Medicare Part C plan.
The basic difference here is that you get the coverage or benefits from a private insurer like Aetna instead of a federal program. To learn more about Aetna Medicare advantage plans, read along.
All Medicare Advantage plans that Aetna sells offer at least the benefits that come along with the original Medicare. Sometimes, these plans offer extra benefits such as a subscription to wellness programs, prescription drugs, dental care along with routine vision, etc.
Medicare plans offered by Aetna: Types of Medicare Advantage plans
Advantage plans offered by Aetna comprise a range of plans which cater to different requirements or needs. However, these plans vary with locations. Here are some plan types for your reference: –
HMO plans: Such plans usually need you to stay within the provider network to enjoy the coverage. However, there are certain exceptions like: –
- Emergency services
- Out-of-region Urgent care
- Out-of-region Dialysis
HMO-POS plans: you can think of this plan as a blend of two Advantage plans from Aetna. Such plans function like the HMO plans. But you get the freedom to use certain out-of-network services at higher prices.
PPO plans: If you use this plan type and use providers within your network, you can save good money. Also, you can move outside the provider network in this plan type. However, this means higher coinsurance and copayments. Also, you do not need a reference for availing of specialist care.
SNP: These plans are apt for people who have special needs. For example, if you’re suffering from any chronic disorder and are living in an institution or are registered with Medicare and Medicaid, you can benefit from this plan.
Such plans are also known as dual-eligibles as they’re meant for people who’re enrolled with both Medicaid and Medicare. These plans offer a better coordination provider network and services using which you can manage the benefits of health care.
Costs of Medicare Advantage from Aetna
Ideally, the cost of Medicare Advantage plans will vary with what your present situation is. The cost of the plan for a person who is taking cover from the provider within the network may vary from the person who’s taking coverage outside the network.
Apart from the plan’s cost, the copayments, coinsurance, and even the deductibles changes from plan to plan. You can find plans from Aetna asking for a $0 premium. However, you’ll have to pay for the premium of your Part B if you want to pay a $0 premium.
You should know that there’s an annual out-of-pocket amount or maximum for Aetna’s Advantage plans similar to other Advantage plans. This way you will always know the maximum amount which is to be paid in a year.
With every Advantage plan from Aetna, you’ll also get a document stating all the information regarding the benefits and costs. This Evidence of Coverage document can help you refer to detailed information in case of some confusion.
Browse Advantage plans from Aetna
You can simply click to the right, or call us today to browse Aetna Medicare advantage plans. Just click the “View Plans” button to access our plan finder, and it’ll help you with the rest. Also, there’s an option where you can input the prescription drugs.
You can even apply online!
It will help you find the Advantage plans that cover those prescription drugs.
You can think of Aetna’s plans as a PPO or HMO plan having a Medicare contract. Aetna’s SNP plans to have contracts with the Medicaid programs of the state. And the enrollment usually depends on the renewal of the contract.
However, you should know that all the hospitals, healthcare workers, physicians involved in the coverage are independent/private contractors. So, Aetna never guarantees the availability of the providers.
The provider network can also change from time to time.
Therefore, you should always consider the Evidence of coverage to determine all the plan benefits, limitations, conditions, and inclusions. The availability of plans and benefits it offers may vary with locations.
Another important thing to note is that the non-contracted or providers that are outside the network are never obligated to treat the enrollees of Aetna. Emergency situations are an exception here, though.
Or just call us today to get the help you need!