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Aetna - New Jersey

Aetna is the first national and full-service health insurer to offer consumer-directed healthcare products.  Aetna is also one of the nation’s lead health insurance companies, covering over 14.8 million medical members which includes 13.1 million people in dental coverage, 9.4 million people in pharmaceutical coverage, and 13.6 million members in group coverage and offers employee benefits as well.  Aetna has a large and extended network which includes 431,000 primary care doctors and specialists and over 4,323 hospitals.

For more information on employee benefits in New Jersey, visit our New Jersey small business group page.

Plans that are most popular in New Jersey are Preferred Provider Organization (PPO) plans and High Deductible Health Plans (HDHP).

Preferred Provider Organization plans are part of the main three health insurance plans which includes Health Maintenance Organization (HMO) plans and Point of Service (POS) plans.  Point of Service plans are the most flexible and generally most expensive and Health Maintenance Organizations are the least flexible and generally least expensive of the three.  Preferred Provider Organization plans fall somewhere between the two.  Different from HMOs, PPOs allow members to choose from out-of-network care providers, whereas HMOs require members to choose from in-network care providers.  While PPO plans give their members freedom to choose, copays are also generally higher than that if in-network care providers were chosen.

High Deductible Health Plans (HDHP) are plans that are generally geared towards healthier and younger individuals.  Since these High Deductible plans are a form of “catastrophic” plans, the plans are usually chosen when emergency situations are a rarity in the individual’s case.  High Deductible plans are paired with low-premiums, which makes them attractive to younger people.

Aetna also offers residents on New Jersey Health Savings Accounts which 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.  These Health Savings Accounts are flexible and follow the individual between jobs, states, and even marital status.

For more information about Aetna plans in Missouri, contact us at 877-567-5267.