Aetna - Texas

Aetna has an A.M. Best Rating of “A” for Excellent and has been in the Health Insurance business since 1853 and today serves over 14.8 million medical members in the country.  Aetna was the first national and full-service health-insurer to offer consumer-directed healthcare products.  Aetna offers a variety of health insurance plans to Texas residents.  Aetna’s most popular plans in Texas include: MCOA 7500 PPO, MC OA 5000 PPO, MCOA 3500 PPO, MC OA Value 2500, MCOA 2500 with Medical, and MC OA 2500 PPO.

The following plans give a variety of options depending on the individual’s or family’s health coverage needs:

MC OA 5000 with Limited RX                                                      MC OA First Dollar 30

MC OA First Dollar 40                                                      MC OA High Deductible 3000

MC OA High Deductible 5000                                                          MC OA Value 1500

MC OA Value 5000                                                                MCOA 1500 with Medical

MCOA 750 with Medical                                                            PPO 1500 with Medical

PPO 2500                                                                                PPO 2500 with Medical

PPO 3500                                                                                                   PPO 5000

PPO 5000 with Limited RX                                                           PPO 750 with Medical

PPO 7500                                                                                      PPO First Dollar 30

PPO First Dollar 40                                                               PPO High Deductible 3000

PPO High Deductible 5000                                                                   PPO Value 1500

PPO Value 2500                                                                                  PPO Value 5000

Preventative and Hospital Care 1250                           Preventative and Hospital Care 3000

Aetna’s most popular plans are Preferred Provider Organization (PPO) plans.  Preferred Provider Organization plans are different from Health Maintenance Organization (HMO) plans and Point of Service (POS) plans which are the most common types of health insurance plans.  PPO plans differ from HMO plans in that while HMOs require members to go within the carrier’s network, PPO plans offer members the freedom to choose providers outside their network.  Aetna has an extended network of 721,000 health care professionals.  This includes 431,000 primary care doctors and specialists and 4,323 hospitals.  PPO plans, while flexible, have a higher copay rate if the member chooses out-of-network care.

Aetna offers Texans 15 Managed Choice plans, four high deductible plans, and four preventative and hospital care plans.  High Deductible Health Plans (HDHP) are plans that are directed towards those who live healthier lifestyles and who are generally younger where medical emergencies are a rare case.  High Deductible Health Plans are attracted by younger people because of their low premiums and are a form of “catastrophic” coverage.

Health Savings Accounts are also offered by Aetna for those who live in Texas.  Health Savings Accounts are flexible accounts which allow individuals to allocate their health care money to where they prefer- whether in long term medical uses or in short-term copay usage.  Health Savings Accounts allow members to take responsibility of their health and therefore usually live a healthier lifestyle.  Health Savings Accounts have tax-advantaged savings and are flexible whether the individual switches careers or moves to another state.