Aetna Health Insurance announced they’re leaving the California market for individual and family plans. The cease date of all their plans is December 31, 2013. All forty nine,000 Aetna clients nevertheless have six months to figure out what fitness plan they need to pass to. In this newsletter we will provide you with a simple mapping that recommends which plans you must pass to based totally upon the Aetna fitness plan you currently have, a “gotcha” to watch out for, and a couple of silver linings to be ok with.
The simplest way to replace your Aetna Health Insurance is to certainly look for an opportunity plan with the same (or comparable) deductible quantity. The pointers beneath will make that clean to do. With just a little greater effort, you could re-suppose what you want in yearly medical advantages and pick out a plan the is a better in shape for your current desires. Either manner, you should be able to find a accurate answer listed under.
Aetna Health Insurance Underwriting Is More Lenient
This may be the gotcha for some people. Aetna has usually been more inclined to accept humans with a few health conditions. I recognize a number of my customers are in Aetna plans because they had unique health conditions that the opposite companies both would no longer take delivery of, or could “charge” plenty better than Aetna. So this is some thing you have to be aware of and be careful approximately.
If you’ve got current fitness conditions, or are “too brief” (k… A bit over-weight), or have a rated plan with Aetna, then you definately must definitely communicate to a broking earlier than you practice with every other medical health insurance employer. You’ll want to have the broker do Pre-Screen Requests with a view to see how the alternative insurance corporations will deal with your utility.
It’s crucial to do the pre-display step first, because in case you just pick a fitness plan, observe for it, after which get declined or rated even better, it is going to be very difficult to get different coverage businesses to recollect your application.
Let’s start mapping replacement plans…
Aetna Open Access MC Value Plan Alternatives
The Aetna Open Access Value plans are Aetna’s low-price choice. The Value plans offer a number of different deductibles, $8,000, $5,000, $2,500, and provide 3 office visits for a easy copay, and insurance for Generic prescriptions.
This plan description fits very closely to what is offered inside the Anthem Blue Cross SmartSense plans. If you most effective need workplace visits in place of 3, then the quality choices are the Health Net PPO Advantage plans and the ClearProtection plan from Anthem Blue Cross.
If value of the plan is considered one of your principal factors, then here is how the alternative plans above need to be used.
Health Net PPO Advantage 3500 – gives the first-rate universal cost (fee vs blessings)
Health Net PPO Advantage 6500 – is normally the lowest price option
Anthem Blue Cross ClearProtection 3300 – Anthem’s lowest value answer
Anthem Blue Cross SmartSense 6000 – closest fit to Aetna’s Open Access Value 8000, however decrease cost
Anthem Blue Cross SmartSense 3500, 2000, 1000 – if you sense extra at ease with lower deductibles
In the general public of cases, the opportunity plans from Anthem and Health Net can be decrease fee than the similar Aetna Value plans. You’ll want to review health insurance prices to look how the pricing looks for your location in California.
Aetna alternative plans from all major medical health insurance agencies in California. The nice plans!
Aetna Open Access MC Plan Alternatives
The Open Access plans are Aetna’s high-stop offerings. These plans offered unlimited workplace visits for just a copay, furnished both Generic and Brand call prescription insurance, and presented deductibles of 5,000, 3,500, 2,750, and 1,750.
The first-rate mappings of the Open Access plans are the following:
Cigna Open Access Value plans – Cigna’s access plans, but very similar to the Aetna plans however without brand name prescription insurance
Anthem Blue Cross Premier plans – those plans are the pinnacle of the line from Anthem
Cigna Open Access plans – the excessive-give up Cigna plans
Blue Shield Shield Secure Plus plans – Blue Shield’s pinnacle stop plans
Health Net does not have any plans that offer unlimited workplace visits and insurance of brand name prescriptions, so there aren’t any options listed.
Aetna Open Access MC High Deductible Plan (HSA Compatible) Alternatives
These are Aetna’s entry within the Health Savings Account (HSA) well matched marketplace. Like all HSA plans, they provide no blessings except 0-fee preventive care till once you attain the deductible. The plans include deductibles, both 5,500 or $three,500.
The mappings for those HSA plans is the following:
Health Net CFB HSA 4500 plan – this is the pleasant cost HSA plan inside the market
Health Net CFB HSA 6000 plan – that is the overall lowest price HSA plan
Blue Shield Saver HSA plans – these are lower price than the opposite non-Health Net HSA plans
Cigna Health Savings 4900 plan – good fashionable cause plan
Anthem Blue Cross Lumenos 5950 plan – Anthem’s ultimate last HSA plan
Are You Looking For Lower Out Of Pocket Risk?
Some shoppers can be seeking to decrease premiums AND decrease the OOPM’s they have had inside the past. If that is your desire, then here are multiple options you ought to discover:
Health Net CFB PPO Standard plans – the OOPM in those plans is equal to the deductible, and a couple of office visits for a copay
Cigna Open Access Value 5000/100% – the OOPM is the same as the deductible, and the plan offers unlimited workplace visits
These alternative plans will cost a little greater than the direct substitute alternatives indexed within the sections above. However, the beauty of having lower risk if an twist of fate or a clinical condition begins is very compelling.
Silver Linings In The California Aetna Health Insurance Decision
I agree with that Aetna is just the primary in a line of large and small health insurance corporations in an effort to depart the California person and circle of relatives medical insurance marketplace over the next 3-five years. Aetna had a completely small marketplace percentage, and would have a difficult time competing with the coverage agencies that dominate the California market. So having Aetna leave now will reduce the turbulence we see throughout the Health Care Reform roll-out later q4.
The first silver lining in all of that is that Aetna plans have a tendency to have very high Out-Of-Pocket Maximums (OOPM). As an example, for a family, the Open Access Value 8000 plan has an OOPM of $25,000, at the same time as the Anthem Blue Cross SmartSense 6000 plan and the ealth Net PPO Advantage 6500 have a $19,000 OOPM.
This is one of the reasons human beings have stayed far from new Aetna plans until no different medical health insurance company might be given them. There are masses of plans from Health Net, Anthem Blue Cross, Cigna, and Blue Shield in an effort to have lower OOPM’s than the Aetna plans.
The remaining silver lining of this variation at Aetna, is that Aetna plans have not been very aggressive the closing couple of years. So changing to comparable plans will come up with a discount in charges. With the statistics we’ve got given you above, you ought to be able to find a precise Aetna replacement plan, now move forth and prosper.