Aetna Health Insurance is the first national and full-service health insurer to offer consumer-directed healthcare products and is one of the nation's lead health insurance companies. Today, Aetna Health Insurance covers over 14.8 million medical members. Aetna provides top products in dental coverage which serve 13.1 million people, pharmacy which serve 9.4 million people and group coverage which serve 13.6 million members. Aetna's large network spans to over 721,000 health care professionals including 431,000 primary care doctors and specialists and 4,323 hospitals.
Though Aetna offers an extended network for members to choose from, Preferred Provider Organization (PPO) plans are amongst the most popular plans in Missouri. They allow members to choose the primary, specialist, or hospital care they want. When choosing out-of-network care providers, however, the copay is generally higher. PPO plans are differentiated from Health Maintenance Organization (HMO) plans which require members to choose all in-network health care providers.
Aetna has an A.M. Best rating of "A" for Excellent and also offers the choice for members to have a Health Savings Account Plan, (HSA). Health Savings Account plans are appealing to individuals who want control over their health, choose a healthier lifestyle, and take responsibility to where their health care dollars are spent- whether in short term use or in long term use. Aetna also lowers the health insurance premium and pays out-of-pocket health care expenses with tax-advantaged savings.
Aetna also provides benefits to employees in its Small Business Group plans in Missouri.
Aetna offers Missouri residents two high deductible plans as well as two preventative and hospital care plans. High Deductible Health Plans (HDHP) are directed towards healthier and usually younger individuals. HDHP is a form of what is known as "catastrophic plans," where in the individuals' case it is rare for a health care emergency to occur. High Deductible Plans are generally matched with low monthly premiums which are appealing to these individuals.
For more information about Aetna plans in Missouri, contact us at 877-567-5267.