netrashetty
Netra Shetty
Aetna, Inc. (pronounced /ˈɛtnə/; NYSE: AET) is an American health insurance company, providing a range of traditional and consumer directed health care insurance products and related services, including medical, pharmaceutical, dental, behavioral health, group life, long-term care, and disability plans, and medical management capabilities. Aetna is a member of the Fortune 100.
Health Maintenance Organization (HMO)
Lower copays for visits to providers in our large network. Coordinated care through a primary care doctor in our network. Aetna HMO is available only in Pennsylvania.
Preferred Provider Organization (PPO)
Broader coverage and lower monthly payments balanced with a deductible. A good choice to limit spending for frequent doctor visits.
Preferred Provider Organization (PPO) Value
Affordability through a balance of lower monthly premiums and quality coverage.
High Deductible Preferred Provider Organization (PPO)
Lower monthly payments and a Health Savings Account-compatible plan for tax advantaged savings.
Preventive and Hospital Care
If affordability is one of your top priorities and you use only basic health care services, these lower-premium plans may be right for you.
Aetna Open Access® Managed Choice®
Broader coverage and lower monthly payments balanced with a deductible. A good choice to limit spending for frequent doctor visits. Aetna Open Access® Managed Choice® is available only in California, Connecticut, Florida, Georgia, Illinois, Nevada, North Carolina, Oklahoma and Texas.
Aetna Choice® Point of Service (POS)
Broader coverage and lower monthly payments balanced with a deductible. A good choice to limit spending for frequent doctor visits. Available only in Florida.Medical insurance helps you pay for health care. That’s why it’s important to understand your medical plan. If you’re buying coverage on your own, choose the plan that’s right for you.
You can rely on Aetna to help you get access to the care you need. We’ll help you learn about your health benefits and insurance plans and help you choose the best one for you. You could be on your own or have a family. Whatever your situation, you can get the help you need to live healthier and get the most from your health care dollars.
As an Aetna member, you get:
Personal and prompt support
Access to a diverse network of doctors and top specialists that are close to home
Health care tools that help you manage your benefits and learn more about your health
Products and programs for every stage of your life, including end of life care
From cleanings to braces, dental plans help you and your family to control the costs of dental care.
There are three basic types of dental insurance. You can compare them here. (Your options will depend on whether you're buying direct or being covered by an employer.)
A Dental Maintenance Organization (DMO®)* is most often a lower-cost insurance plan. You choose a primary care dentist. If you need to see a specialist, your primary care dentist gives you a referral. If your plan covers orthodontia, you do not need a referral to see a DMO orthodontist. You get peace of mind with no deductibles or annual maximums. To learn more, view the DMO video.
If you want more options when you choose dentists, a Preferred Provider Organization (PPO)** or participating dental network (PDN) may be for you. With these plans, you can visit any dentist you want. You never need a referral. But costs usually are lower if you choose a dentist who is part of the PPO or PDN. Deductibles and annual maximums may apply. To learn more, view the PPO video.
A dental indemnity plan gives you free choice of any dentist you want. There may be deductibles and annual maximums with these plans, too.
An eye for good health – and savings
Of course regular eye exams can help protect your vision. But here's something you might not know. Eye exams help spot many common health conditions.
Eye doctors can detect diabetes, high blood pressure and cholesterol. When you catch these conditions early, they are easier to treat.
You can enjoy savings on your eye exams and more with the Aetna VisionSM discount program. The program is available to anyone with Aetna health benefits and insurance plans. (medical, dental, life, etc.)
This program is not an insurance plan. It's simply a way to save money on eye care. You’ll save on exams, contact lenses, eyeglasses, LASIK surgery and more.
And you'll have access to a network of eye care professionals including:
Pearle Vision®
LensCrafters®
JCPenney® Optical
Target Optical®
Sears Optical
A serious injury or illness can keep you out of work. For a long time. With no paychecks coming in. Are you prepared for that?
Our disability plans protects your income when you need it most. Disability coverage gives you have some income so you can focus on getting better, if possible.
We offer both short term and long-term disability income protection.
How your disability plan works
Benefit amount
The amount you receive is usually based on your annual salary, commissions, or other forms of income from your employer, depending upon your disability plan.* You can find out if you qualify and how much you will be paid by reading your plan summary. This explains the details of your plan, including any limitations or offsets that may apply, based on other income you are receiving during your disability (such as offsets for certain Social Security Disability Income payments). Please read your plan carefully.
How it works
You need to file a claim to start getting your payments. The claim should describe:
Your injury or illness
How long it will take to recover
The date you first missed work
We will also need medical information about your injury or illness from your doctor. And you will need to send us medical updates while you are out of work. This helps us determine if you are eligible for payments.
Start date
You need to miss a certain number of work days before your disability pay starts. This is called an elimination period. During this time, you will normally use your company paid sick time or vacation. Read your plan summary for more information. Your human resources person can also help you learn more.
Buying a prescription drug without a pharmacy plan is almost unthinkable.
A brand-name drug like Lipitor® is a good example. This drug is used to lower cholesterol. It can also cost more than $120 per month. And people often need to take it for many years. Can you imagine spending more than $1,400 a year on one drug? For the rest of your life?
Pharmacy plans have one main goal: to help you and your family manage how much you spend on prescription drugs.
You may have one or more monthly prescriptions for ongoing conditions. And you'll probably need a prescription now and then to treat something temporary, like an infection.
Two ways to save
With most plans, you will pay less for generic drugs than for brand-name drugs. They work the same way brand-name drugs do but cost less.
Another way to save is by using a mail-order pharmacy. You can often buy a three-month supply of a drug for the price of a two-month supply at a retail pharmacy. That's real savings.
Get to know Aetna Pharmacy.
Life insurance coverage helps you take care of your loved ones after your death. The death benefit payment can help your family meet many important needs. For example, it could pay for funeral costs, daily expenses or college tuition.
You choose the person or people you want to receive this cash payment. They are your beneficiaries.
Many employers offer a life insurance policy. This is called group insurance or group coverage. You may be able to choose one or more types of group coverage.
Health Maintenance Organization (HMO)
Lower copays for visits to providers in our large network. Coordinated care through a primary care doctor in our network. Aetna HMO is available only in Pennsylvania.
Preferred Provider Organization (PPO)
Broader coverage and lower monthly payments balanced with a deductible. A good choice to limit spending for frequent doctor visits.
Preferred Provider Organization (PPO) Value
Affordability through a balance of lower monthly premiums and quality coverage.
High Deductible Preferred Provider Organization (PPO)
Lower monthly payments and a Health Savings Account-compatible plan for tax advantaged savings.
Preventive and Hospital Care
If affordability is one of your top priorities and you use only basic health care services, these lower-premium plans may be right for you.
Aetna Open Access® Managed Choice®
Broader coverage and lower monthly payments balanced with a deductible. A good choice to limit spending for frequent doctor visits. Aetna Open Access® Managed Choice® is available only in California, Connecticut, Florida, Georgia, Illinois, Nevada, North Carolina, Oklahoma and Texas.
Aetna Choice® Point of Service (POS)
Broader coverage and lower monthly payments balanced with a deductible. A good choice to limit spending for frequent doctor visits. Available only in Florida.Medical insurance helps you pay for health care. That’s why it’s important to understand your medical plan. If you’re buying coverage on your own, choose the plan that’s right for you.
You can rely on Aetna to help you get access to the care you need. We’ll help you learn about your health benefits and insurance plans and help you choose the best one for you. You could be on your own or have a family. Whatever your situation, you can get the help you need to live healthier and get the most from your health care dollars.
As an Aetna member, you get:
Personal and prompt support
Access to a diverse network of doctors and top specialists that are close to home
Health care tools that help you manage your benefits and learn more about your health
Products and programs for every stage of your life, including end of life care
From cleanings to braces, dental plans help you and your family to control the costs of dental care.
There are three basic types of dental insurance. You can compare them here. (Your options will depend on whether you're buying direct or being covered by an employer.)
A Dental Maintenance Organization (DMO®)* is most often a lower-cost insurance plan. You choose a primary care dentist. If you need to see a specialist, your primary care dentist gives you a referral. If your plan covers orthodontia, you do not need a referral to see a DMO orthodontist. You get peace of mind with no deductibles or annual maximums. To learn more, view the DMO video.
If you want more options when you choose dentists, a Preferred Provider Organization (PPO)** or participating dental network (PDN) may be for you. With these plans, you can visit any dentist you want. You never need a referral. But costs usually are lower if you choose a dentist who is part of the PPO or PDN. Deductibles and annual maximums may apply. To learn more, view the PPO video.
A dental indemnity plan gives you free choice of any dentist you want. There may be deductibles and annual maximums with these plans, too.
An eye for good health – and savings
Of course regular eye exams can help protect your vision. But here's something you might not know. Eye exams help spot many common health conditions.
Eye doctors can detect diabetes, high blood pressure and cholesterol. When you catch these conditions early, they are easier to treat.
You can enjoy savings on your eye exams and more with the Aetna VisionSM discount program. The program is available to anyone with Aetna health benefits and insurance plans. (medical, dental, life, etc.)
This program is not an insurance plan. It's simply a way to save money on eye care. You’ll save on exams, contact lenses, eyeglasses, LASIK surgery and more.
And you'll have access to a network of eye care professionals including:
Pearle Vision®
LensCrafters®
JCPenney® Optical
Target Optical®
Sears Optical
A serious injury or illness can keep you out of work. For a long time. With no paychecks coming in. Are you prepared for that?
Our disability plans protects your income when you need it most. Disability coverage gives you have some income so you can focus on getting better, if possible.
We offer both short term and long-term disability income protection.
How your disability plan works
Benefit amount
The amount you receive is usually based on your annual salary, commissions, or other forms of income from your employer, depending upon your disability plan.* You can find out if you qualify and how much you will be paid by reading your plan summary. This explains the details of your plan, including any limitations or offsets that may apply, based on other income you are receiving during your disability (such as offsets for certain Social Security Disability Income payments). Please read your plan carefully.
How it works
You need to file a claim to start getting your payments. The claim should describe:
Your injury or illness
How long it will take to recover
The date you first missed work
We will also need medical information about your injury or illness from your doctor. And you will need to send us medical updates while you are out of work. This helps us determine if you are eligible for payments.
Start date
You need to miss a certain number of work days before your disability pay starts. This is called an elimination period. During this time, you will normally use your company paid sick time or vacation. Read your plan summary for more information. Your human resources person can also help you learn more.
Buying a prescription drug without a pharmacy plan is almost unthinkable.
A brand-name drug like Lipitor® is a good example. This drug is used to lower cholesterol. It can also cost more than $120 per month. And people often need to take it for many years. Can you imagine spending more than $1,400 a year on one drug? For the rest of your life?
Pharmacy plans have one main goal: to help you and your family manage how much you spend on prescription drugs.
You may have one or more monthly prescriptions for ongoing conditions. And you'll probably need a prescription now and then to treat something temporary, like an infection.
Two ways to save
With most plans, you will pay less for generic drugs than for brand-name drugs. They work the same way brand-name drugs do but cost less.
Another way to save is by using a mail-order pharmacy. You can often buy a three-month supply of a drug for the price of a two-month supply at a retail pharmacy. That's real savings.
Get to know Aetna Pharmacy.
Life insurance coverage helps you take care of your loved ones after your death. The death benefit payment can help your family meet many important needs. For example, it could pay for funeral costs, daily expenses or college tuition.
You choose the person or people you want to receive this cash payment. They are your beneficiaries.
Many employers offer a life insurance policy. This is called group insurance or group coverage. You may be able to choose one or more types of group coverage.
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