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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'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