{"id":5742,"date":"2023-11-17T16:49:30","date_gmt":"2023-11-17T16:49:30","guid":{"rendered":"https:\/\/businessyield.com\/ins\/?p=5742"},"modified":"2023-11-17T16:49:31","modified_gmt":"2023-11-17T16:49:31","slug":"how-to-make-an-insurance-claim-with-aetna-insurance","status":"publish","type":"post","link":"https:\/\/businessyield.com\/ins\/insurance-guide\/how-to-make-an-insurance-claim-with-aetna-insurance\/","title":{"rendered":"How To Make An Insurance Claim With Aetna Insurance"},"content":{"rendered":"
In order to make an insurance claim with Aetna Insurance, you must first understand how this company works and processes claims. <\/p>
Aetna has excellent average rates for its Affordable Care Act plans, but the company also has a higher average silver plan deductible than most companies. That means you may pay higher out-of-pocket costs for those excellent premiums. It also offers both group health insurance and individual health insurance.<\/p>
Aetna Inc. is an American-managed healthcare\u00a0company that sells traditional and\u00a0consumer-directed health care\u00a0insurance and related services primarily through employer-paid (fully or partly) insurance and benefit programs, and through\u00a0Medicare. Its services include medical, pharmaceutical, dental, behavioral health, long-term care, and disability plans.<\/p>
Since November 28, 2018, the company has been a subsidiary of\u00a0CVS Health.<\/p>
Aetna was founded in 1853, in Hartford, CT. Its health insurance has been named on Fortune\u2019s World\u2019s Most Admired Companies list and ranked No. 4 in the \u201cHealth Care: Insurance and Managed Care\u201d category. Aetna\u2019s health care network includes 1.2 million health care professionals, 690,000 primary care doctors and specialists, and over 5,700 hospitals. <\/p>
Its health insurance serves approximately 22.1 million medical members, 12.7 million dental members, and 13.1 million pharmacy benefit management services members.<\/p>
Aetna offers both group health insurance and individual health insurance. The company\u2019s individual health insurance plans are branded as Aetna CVS Health Affordable Care Act (ACA) plans.<\/p>
Aetna also offers:<\/p>
Aetna offers two types of insurance plans on the\u00a0health insurance marketplace:<\/p>
The company offers three metal tiers on the ACA marketplace: bronze, silver and gold. Insurers can offer\u00a0bronze, silver, gold and platinum. Bronze plans have the lowest premiums but the highest deductibles and out-of-pocket costs. Gold plans have the highest premiums but the lowest out-of-pocket costs.<\/p>
Along with employer health plans, Aetna offers individual health, Medicare and dental and vision insurance policies to consumers. But those looking for a\u00a0short-term medical\u00a0plan will need to find coverage through another insurance provider, as Aetna doesn’t currently sell short-term policies.<\/p>
Employer health insurance is a health plan offered through your job. Businesses can purchase Aetna’s employer plans and provide them to employees. Employers can select what to include in their Aetna policies, which may include medical, dental, health, disability and life coverages. Read through your options carefully to confirm what will and will not be covered by your plan.<\/p>
Individual plans are Affordable Care Act (ACA) policies that you can purchase through a state or federal\u00a0health insurance exchange\u00a0or through an Aetna website.\u00a0Aetna’s ACA rates are cheaper than many competitor plans, making them a good choice for those on a budget.<\/p>
Aetna currently offers ACA policies in the following states. The company plans to expand to certain California counties in 2023.<\/p>
Aetna offers Bronze, Silver and Gold policies in all areas where plans are sold.<\/p>
Bronze plans are the cheapest options but generally have higher deductibles. They work well if you don’t expect to need much routine care but want coverage in case of a large medical expense.<\/p>
Silver plans have medium-to-high monthly rates and are good for those with mid-level health needs. For those who have a low income, Silver plans offer help with other insurance costs like deductibles and copays.<\/p>
Gold plans are best for people with typical healthcare needs. They usually cost more per month but have lower deductibles, which you can meet more quickly if you have regular healthcare visits.<\/p>
Aetna offers\u00a0Medicare Advantage\u00a0and Supplement policies to people currently enrolled in Medicare parts A and B. These plans cover gaps in original Medicare (Parts A and B).<\/p>
Aetna has three types of Medicare Advantage plans: PPO, HMO and HMO-POS. Overall, the company has some of the\u00a0cheapest Medicare Advantage\u00a0coverage on the market and offers plans in 46 states and Washington, D.C.<\/p>
Stand-alone\u00a0dental insurance\u00a0is available through Aetna Dental Direct. Dental insurance covers all preventive services such as dental exams, X-rays, and fluoride treatments, so there will be no additional out-of-pocket costs for these services.<\/p>
Aetna dental coverage isn’t available in every state. For example, residents of New York can’t access these plans. If this is the case in your state, we recommend looking for a different health insurer.<\/p>
In other states, residents have additional purchasing options. Each plan typically has a different monthly premium, deductible, and coinsurance level.<\/p>