Developed in 1853, Aetna is the first national and full-service health insurer to offer consumer-directed healthcare products. Today, Aetna is one of the nation's leading health insurance companies which provides top products covering dental, pharmacy, group life and disability as well as employee benefits.
For more information about Aetna employee benefits in California, visit California's Small Business Group page.
Aetna serves 14.8 million medical members which include 13.1 million in dental care, 9.4 million in pharmaceutical care, and 13.6 million in group insurance. Aetna's large network of health care providers includes 431,000 primary care doctors and specialists and 4,323 hospitals. In total, their network spans to over 721,000 health care professionals.
Aetna offers two hospital plans and two high deductible plans in California. High Deductible Health Plans (HDHP) is a health insurance plan that has lower premiums but higher deductibles as opposed to traditional health insurance plans. HDHP plans are directed towards healthier and usually younger individuals. These plans are a form of what is known as "catastrophic plans," as emergency health care is usually rare in the individual's case. Preferred Provider Organizations (PPO) plans are popular amongst Aetna plans in California. PPO plans offer members the freedom to choose out of network providers at a higher copay rate, which differentiates them from Health Maintenance Organizations which require members to go to in-network providers.
Aetna also offers the Health Savings Account Plan option to individuals in California. Health Savings Accounts are directed to individuals who want control and responsibility over their health insurance costs, and how their health care money is allocated in short term and long term needs. Those with Health Savings Accounts tend to choose a healthier lifestyle. Health Savings Accounts are flexible and follow the member if they move, change marital status or jobs. Aetna also lowers the health insurance premium and pays out of pocket health care expenses with tax-advantaged savings.
For more information about Aetna plans in California, contact us at 877-567-5267.