Pennsylvania Aetna HMO (Health Maintenance Organization) plans provide some of the most comprehensive health care coverage available to Pennsylvania residents. As the state's leading trusted source for HMO coverage, we specialize in finding the policies that fit within your budget and offer the coverage you want. Aetna is one of the nation's largest health care providers and features a large Network of doctors, hospitals and health care facilities. Their rates are typically very competitive throughout most of the state.
Individuals who join an Aetna HMO are considered its members. When you join a Pennsylvania HMO, a primary care physician (PCP) is selected from a large Network list. Your physician will coordinate all of your medical care. There are no claim forms when you visit a network provider and no waiting period for routine physical exams or most preventive services.
Aetna’s “HMO 30” is one of the most popular, yet affordable health insurance plans in Pennsylvania. Since there is no major medical deductible to meet, out-of-pocket expenses tend to be lower when compared to a typical PPO plan. Also, lifetime benefits are unlimited. Covered office visits are subject to low $30 copay while specialist visits are subject to a $50 copay. There is no limit to the number of covered office visits that an individual or family can use. There is also no lifetime maximum cap.
Preventive coverage is also included and actually emphasized in the Pennsylvania Aetna HMO plans. Routine physicals are subject to no copay while annual routine GYN exams, paps and mammograms are covered at 100%. Typically, you do not have to meet a deductible to use the stated preventive services. Changes to US health care plans in 2010 and 2011 provided extra benefits to this policy.
Lab tests and X-Rays are also covered by a low $50 copay. And although home health care and outpatient therapy are not commonly used, they are covered by copays and are not subject to a deductible. After a $500 deductible, prescriptions are covered by copays of either $15, $40 or $60. For many generic versions, you may be able to pay a lower amount at retail pharmacies such as Wal-Mart or Giant Eagle.Hospital visits (including maternity) are not subject to a deductible. Instead, a $600 copay per day is charged (maximum of five days of copays). Aetna’s Pennsylvania HMO plans also offer alternative copay charges to reduce the premium. Outpatient surgery is subject to only a $550 copay and the emergency room copay is just $250. If maternity coverage is important, then Aetna and Blue Cross plans shoulsd always be considered.
We realize that it's sometimes not easy to fully understand all of the specifics of a health care plan. We'll be happy to take the time to review the coverages and determine if this plan is best for you. If it isn't, we'll consider hundreds of other plans from the top companies and together, we'll compare your best choices.
Pahealthinsurance.com will provide all the tools you need (along with personal service) to easily view benefits and apply for coverage. Call or email us any time for additional information on the Aetna HMO policy.Aetna Pennsylvania HMO 30 Details
To apply for coverage via email or fax, simply click on the application link and print. Upon completion, please fax to (888) 513 6446.