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Aetna - General Plan Descriptions

Aetna is one of America's top-rated insurance companies. In 200, Aetna ranked #9 in Barron's survey of the top 500 companies in the U.S. and Canada. Aetna isn't just one of the largest insurance companies - they're also one of the most forward-thinking. Aetna is taking a big step into the future of consumer-driven health care with their Physicians Transparency Program. When this online tool is finished being tested, Aetna members will able to compare prices on common medical procedures from different providers. It will give them even more choice and control over their health care.

The biggest advantage Aetna has over other insurance companies in Colorado is that their individual policies are issued without waivers or riders. Instead, Aetna offers various risk categories based on each applicant. This allows applicants to receive benefits for health conditions that other insurance companies normally exclude by charging an increased premium and ensures applicants with minimal health risk do not have to subsidize the cost of members with a higher health risk.

All Aetna individual plans in Colorado (Managed Choice Open Access, PPO Plans, Managed Choice, PPO High Deductible Plans, and PPO First Dollar Plans) allow you to go directly to any recognized health care provider, including specialists, for covered expenses, but costs will be higher if you choose out-of-network health care providers. The following are standard benefits included in all Aetna individual plans:

Managed Choice Open Access First Dollar 30 Plan

Our Rating:

The Managed Choice Open Access PPO First Dollar 30 Plan is the most expensive individual plan Aetna offers in Colorado. It features the lowest annual deductible options, low annual out-of-pocket maximums, an office visit copays for office visits and prescription drug coverage. In-network plan highlights include:

(*There is a $500 calendar year deductible for brand and non-preferred brand drugs)

Managed Choice Open Access First Dollar 40 Plan

Our Rating:

The Managed Choice Open Access PPO First Dollar 40 Plan is a watered-down version of Managed Choice Open Access First Dollar 30. The differences are:

Managed Choice Open Access 2500 Plan

Our Rating:

Managed Choice Open Access 2500 Plan gives you the comprehensive benefits in the Managed Care Open Access First Dollar 30 Plan at a reduced premium cost by having a $2500 deductible. In-network plan highlights include:

(*There is a $500 calendar year deductible for brand and non-preferred brand drugs)

Managed Choice Open Access High Deductible 3000 Plan

Our Rating:

The Managed Choice Open Access 3000 Plan is designed to work in conjuction with contributions to a Health Savings Account (HSA). An HSA allows you to pay for qualified medical expenses on a tax-advantaged basis. This plan will keep your premiums low because there is no copay benefit and you will are responsible for more out-of-pocket costs before the plan coverage kicks in. In-network plan highlights include:

Preventive and Hospital Care 1250 Plan

Our Rating:

The Preventive and Hospital Care 1250 Plan provides basic coverage at the lowest price. It provides coverage for hospitalization, surgery, and emergency services. It also covers routine physicals and annual OBGYN exams but does not cover any additional office visits. In-network benefits include: