Comprehensive analysis of Aetna Medicare advantage plans in Florida

Aetna is among the major private insurance companies that offers Medicare Advantage plans.
Aetna provides HMO, HMO-POS, PPO, and D-SNP plans.

To know which of Aetna’s Medicare Advantage plans are available in your area, call us today at 855-260-1824

Aetna is a major medical/health insurance company based in Connecticut that offers its plans across the nation including Florida. It’s one of several private insurance providers that Medicare has authorized to sell Medicare Advantage (Part C) plans.

Providing a broad variety of Medicare Advantage plans made to fit diverse budgets and professional medical needs, its Med-Advantage plans are one of the most selling along with those offered by Humana, Wellcare, United HealthCare and Cigna etc. However, not every plan is available in every state, county, or even ZIP code.

Depending on your location, Aetna may offer the following different kinds of Medicare Advantage plans:

  • Health Maintenance Organization (HMO)
  • HMO Point-of-Service (HMO-POS)
  • Preferred Provider Organization (PPO)
  • Dual Eligible Special Needs Plan (D-SNP)

What are the Aetna Medicare Advantage plans?

Aetna Medicare Advantage HMO plans

With the majority of Aetna’s HMO plans, you have to chose an in-network principal care physician (PCP). You’ll have the advantage of access to only a specified network of doctors and hospitals that includes specialists.

You may need a referral from your PCP to see a specialist. In the case of an emergency, you’ll be able to use an out-of-network doctor, ER, or hospital. All plans include worldwide ER and urgent care coverage.

Aetna Medicare Advantage Preferred Provider Organizations (PPO) plans

– There will be copayments and coinsurance
– You can see any doctor that participate in the network
– You must receive hospitalization from hospitals in the network – You must use the facilities accepting Medicare
– You must have prior authorization in order to see a specialist
– You will be subject to a percentage of Out-of-Network charges (usually up to 30 percent) if you seek services outside the PPO Network.
– Some PPO Networks have their own prescription drug program (ie; Medicare Part D)

Choosing a Medicare Advantage PPO Network is less of a hassle because you can generally get services all over the State but often from only one hospital provider network. If you go south for the winter you must find services in that local network.

Aetna Medicare Advantage  HMO-POS or Private Fee for Service (PFFS) plans

– Copayments and Coinsurance will apply
– Can see any Medicare approved doctor
– Can go to any Medicare approved hospital
– Can go to any Medicare approved facility
– Can seek services outside of service areas
– With an Aetna HMO-POS plan, you’ll typically pay more to see an out-of-network doctor. Aetna HMO-POS plans also require you to choose a PCP. Some will require specialist referrals from your PCP as well.
– Generally they have individual Medicare Prescription Drug Plan but there are plans that include Prescription Drugs

If you choose this type of Medicare Advantage Plan it provides an individual with the greatest amount of freedom. There are no network restrictions for hospitals, doctors or other facilities.

 Aetna Medicare Advantage D-SNPs

D-SNPs are designed for people who are eligible for both Medicare and Medicaid. This is known as being “dual eligible.”

These plans offer the most comprehensive benefits for people with the highest need. Most of these plans include access to a personalized care team.

What Aetna Medicare Advantage Plans Are Good For You?

If you know somebody who has stayed inside the medical center for an extended period of time, you must inquire them what their expense was. They may perhaps tell you several unbelievable numbers that their insurance agency settled and that could have been their duty had the insurance carrier failed to settle.

Well, when you reach 65, your first insurance carrier will kind of be the government by way of Medicare. If you feel that Medicare alone will pick up the tab on anything, then you are totally mistaken and you have to start to look at Medicare Advantage Plans as early as you can.

A Medicare Advantage plan that is kind of like a souped-up Medicare plan which you supplement by spending a little bit on the side. Instead of a Medicare supplemental plan, which is pretty much a totally different insurance plan, Medicare Advantage Plans are proper Medicare programs that you may have simply chosen to make better.

As an example, should you be inside the clinic for seven days, your bill might quickly top $100,000 and if you just had Medicare, you can still be left with a bill at the end of the week. Should you have Medicare Advantage Plans, then your tab will usually be covered since you decided to pay additional for your insurance plan.

Once you enroll at Medicare, you may be given 3 options. You could select to get Medicare only, that is the inexpensive selection. You can also opt to sign up for one of numerous Medicare Advantage Plans, which might cost you more and grant you more benefits, or you could apply for a Medicare and then purchase your own Medicare supplemental insurance on the side which is the most costly option, but normally provides you with the most coverage.

One advantage of signing up for Medicare Advantage Plans is that they often add vision, dental care, and prescription plans in the primary program, which will save you money down the road. Which means that you won’t be applying for a Medicare Plan D (prescription plan).

SilverSneakers benefit is also part of Aetna Medicare Advantage plans at no added cost (if applicable).

Aetna Medicare Advantage plans also include a number of additional services and special offers at no extra cost to you, covering anything from mail delivery prescription services to SilverSneakers fitness memberships.

Since Aetna Medicare plans in general have very strong ratings, it’s far more crucial to reflect upon your individual health care needs and budget when deciding and comparing between the various choices of plans and premiums. A Medicare Advantage specialist insurance broker can give you best Medicare advantage quotes.

What is the average cost of Aetna Medicare Supplement Plans?

Medicare Advantage Plans have premiums that cost anywhere from around $0/month to around $270/month. Typically, plans with higher monthly premiums will have lower deductibles. Some medicare advantage plans come with no premiums. However, no Medicare supplement plan is really free. But based on your individual healthcare needs, a Medicare Advantage plan may be worth it for the added benefits.

Lots of people consider this option over a supplemental insurance plan because it’s a whole lot more inexpensive and also simply because the paperwork is a lot less than if you have been dealing with two different insurance carriers.

There is much less room for mistakes to be created and as far as premium proceeds, you have one very simple premium a month which is certainly much more affordable than the usual supplemental insurance payment. It’s also wonderful to have your prescription plan with the same agency and that minimizes documentation on your part, at the same time.

When you are getting ready to shop for Medicare Advantage Plans, you need to start with the Medicare website or speak to a Medicare Advantage specialist insurance broker. It is also a smart idea to search on the internet where you could examine companies. You might find that there are several firms that cater to your location that are very reasonable.

A lot of people make the mistake of believing that Medicare covers you for the rest of your lifetime, but even Medicare has its limitations. They will stop covering you for the hospital expenses after a certain number of days or simply reject your certain kinds of treatments or checkups, but when you have one of the Aetna Medicare Advantage Plans, that won’t be the situation. It is the least expensive approach to be sure that you often have the level of healthcare in Florida that you may need at a price that you can pay for.

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