Aetna Health care insurance announced they are making the California marketplace pertaining to individual and family strategies. The end date coming from all their plans is 12 31, 2013. All 1949, 000 Aetna clients even now have six months determine what health plan they must move to. In this article we’ll supply you with a simple mapping that recommends which plans you must move to based about the Aetna health plan you already have got, a “gotcha” to look for, and a couple involving silver linings to experience good about.
The simplest approach to replace your Aetna Health care insurance is to simply seek out an alternative plan while using same (or equivalent) deductible amount. The recommendations below could make that easy to accomplish. With just a somewhat more effort, you could re-think what exactly you need in yearly medical benefits and look for a plan the is a greater fit for your latest needs. Either way, you are able to find a good solution further down.
Aetna Health Insurance Underwriting Can be More Lenient
This is definitely the gotcha for some men and women. Aetna has always been more happy to accept people with some medical conditions. I know a amount of my clients are in Aetna plans given that they had specific health conditions that this other carriers either may not accept, or would “rate” better than Aetna. So this is something you ought to be aware of and take care about.
If you have existing medical conditions, or are “too short” (fine… a little over-weight), or have a very rated plan with Aetna, then you certainly should definitely talk to your broker before you apply with another health care insurance company. You’ll want to own broker do Pre-Screen Requests that you can see how the other insurance agencies will treat your request.
It’s important to accomplish the pre-screen step 1st,
because if you just look for a health plan, apply correctly, and then get
decreased or rated even larger, it will be very, very hard to get other
insurance agencies to consider your request.
Let’s start mapping substitution plans…
Aetna Open Gain access to MC Value Plan Alternate options
The Aetna Open Gain access to Value plans are Aetna’s low-cost selection. The Value plans offer many different deductibles, $8, 000, $5, 000, $2, 500, and still provide 3 office visits for the simple copay, and insurance for Generic prescriptions.
Your plan description matches very closely about what is offered in your Anthem Blue Cross SmartSense strategies. If you only have to have two office visits in lieu of three, then the best choices include the Health Net PPO Advantage plans plus the ClearProtection plan from Anthem Orange Cross.
If cost in the plan is one of your respective major factors, then this is one way the alternative plans above must be used.
Health Net PPO Advantage 3500 – provides best overall value (charge
Health Net PPO Advantage 6500 – is often the lowest cost selection
Anthem Blue Cross ClearProtection 3300 – Anthem’s lowest cost solution
Anthem Blue Corner SmartSense 6000 – closest thing match to Aetna’s Wide open Access Value 8000, but lower cost
Anthem Blue Cross SmartSense 3500, 2000, 1000 – if you are more comfortable with decrease deductibles
In the tastes cases, the alternative plans via Anthem and Health Net are going to be lower cost than your comparable Aetna Value strategies. You’ll need to review health care insurance quotes to see what sort of pricing looks for your region in California.
Aetna alternative plans from all major health care insurance companies in California. The top plans!
Aetna Open Gain access to MC Plan Alternatives
Your Open Access plans are generally Aetna’s high-end offerings. These plans offered unlimited office visits for under a copay, provided both Generic and Name prescription coverage, and presented deductibles of 5, 000, 3, 500, only two, 750, and 1, 750.
The top mappings of the Open Access plans include the following:
Cigna Open Gain
access to Value plans – Cigna’s accessibility plans, but very exactly like the
Aetna plans but without name prescription coverage
Anthem Blue Cross Most recognized plans – these plans are the top notch from Anthem
Cigna Wide open Access plans – your high-end Cigna plans
Blue Shield Shield Risk-free Plus plans – Blue Shield’s 1st class plans
Health Net doesn’t need any plans that present unlimited office visits and coverage of name prescriptions, so there are generally no options listed.
Aetna Wide open Access MC High Tax deductible Plan (HSA Agreeable) Alternatives
These are Aetna’s entry inside Health Savings Account (HSA) agreeable market. Like all HSA strategies, they provide no positive aspects except zero-cost preventive care until as soon as you reach the deductible. The plans feature two deductibles, either 5, 500 as well as $3, 500.
The mappings for these HSA plans will be the following:
Health Net CFB HSA 4500 plan – this can be a best value HSA
plan out there
Health Net CFB HSA 6000 plan – this can be a overall lowest cost HSA prepare
Blue Shield Saver HSA plans – these are generally lower cost than the opposite non-Health Net HSA strategies
Cigna Health Savings 4900 prepare – good general function plan
Anthem Blue Corner Lumenos 5950 plan – Anthem’s last remaining HSA prepare
Are You Looking For Lower Beyond Pocket Risk?
Some shoppers may be aiming to lower premiums AND decrease the OOPM’s they have had during the past. If this is your current wish, then here are a number of options you should check out:
Health Net CFB PPO Normal
plans – the OOPM throughout these plans is adequate to the deductible, and 2
office visits for the copay
Cigna Open Access Price 5000/100% – the OOPM is the same as the deductible, and here is the plan offers unlimited office sessions
These alternative plans will cost more than the direct replacement options listed inside sections above. However, the attractiveness of needing lower risk if a car accident or a medical condition starts is incredibly compelling.
Silver Linings Inside California Aetna Health Insurance plan Decision
I believe that Aetna is definitely the first in a distinctive line of large and small health care insurance companies that will keep the California individual and family health care insurance marketplace over the up coming 3-5 years. Aetna had an incredibly small market share, and would have a difficult time competing with the insurance agencies that dominate the Florida market. So having Aetna leave now will slow up the turbulence we see in the Health Care Reform roll-out after this fall.
The first silver lining in doing this is that Aetna plans generally very high Out-Of-Pocket Maximums (OOPM). As one example, for a family, the Open Access Value 8000 plan comes with a OOPM of $25, 000, as you move the Anthem Blue Cross SmartSense 6000 plan plus the ealth Net PPO Advantage 6500 have a very $19, 000 OOPM.
This is just about the reasons people have stayed faraway from new Aetna plans unless no other health care insurance company would accept these people. There are plenty involving plans from Health World wide web, Anthem Blue Cross, Cigna, and Blue Shield that could have lower OOPM’s as opposed to Aetna plans.
The last silver lining on this change at Aetna, is that Aetna plans haven’t been very competitive the last year or so. So changing to comparable plans gives you a reduction in payments. With the information we have now given you above, you are able to find a good Aetna substitution plan, now go up and prosper.