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Aetna Medicare Advantage Plans 2020

Committed to creating a healthier, stronger global community and helping you age with elegance and strength, Aetna International is one of the Industry’s largest and most prominent health benefits providers which delivers all-inclusive and affordable health benefits and population health management solutions. Founded in 1853, Aetna provides healthcare, dental, pharmacy, group life, and disability insurance as well as employee benefits. 

With the PPO plan getting a 4 out of 5-star rating in 2017 award by Center for Medicare and Medicaid Services (CMS), Aetna Medicare Advantage ensures that you stay healthy by helping you manage your long term medical condition or illness and ensuring that you are satisfied with the plan you choose.

Aetna Medicare Advantage 

Aetna Medicare Advantage Plans 2020

Medicare Advantage allows individuals to get part A and part B Medicare coverage alongside other benefits ranging from part D coverage, emergency services, dental coverage, tests, medical equipment, and supplies, etc. These MA plans are provided by private insurers or health care insurance companies that have been approved by Medicare.

Aetna Medicare solutions ensure that you get these Medicare Advantage plans which help you age healthily at affordable prices and even with added benefits. Aetna not only offers Medicare Advantage solutions; you can choose to opt for the Aetna Part D Prescription Drugs Plans (PDP) designed for people with Original Medicare. Sold by Aetna SilverScript, this plan is a standalone plan which covers the cost of Prescription Drugs alongside your Original Medicare benefits. 

The plan is affordable and it offers a variety of generic as well as brand name prescription drugs. You can opt for either of the SilverScript PDP or SilverScript plus PDP. However, choosing a PDP offers no medical coverage.

Aetna Medicare advantage, however, offers specialized Part C plans including Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO) and Health Maintenance Organizations Point of Service (HMO-POS). These MA plans provide the standard accrued Part A and part B benefits alongside various other benefits depending on your budget, healthcare needs, and convenience. 

Most of these Medicare Advantage plans include the part D benefit. Here, we explore these Aetna Medicare Advantage plans and some of the accrued benefits of each plan.

Aetna Health Maintenance Organizations (HMO)

HMO Medicare Advantage is a plan where there is a network of facilities, healthcare providers, and doctors who have a partnership with the insurance company; in this case, Aetna Medicare Solutions. The beneficiary typically selects a primary care physician (PCP) which they work with. The PCP takes care of your healthcare issues and helps you with referrals when you need a specialist opinion, advice, or to take tests for additional healthcare. 

This Medicare Advantage plan covers the cost for facilities, doctors, and hospitals within the network. However, this is not something to worry about. With over 200,000 doctors and specialists and 1900 hospitals in the Aetna network, you won’t have a problem finding a primary healthcare physician in your area for your convenience. Also, the limit to healthcare providers within the network does not apply when there is an emergency, and care is urgently required. In that case, you may use a doctor or facility closest to you that may be in or outside the network.

Most of Aetna’s HMO plans include fitness benefits through SilverSneakers, prescription drug (Part C) coverage (which you may also be able to get by mail order), dental, vision and hearing coverage and over-the-counter (OTC) benefits which allows you to get OTC items at no cost. All Aetna HMO plans cover ER and urgent care coverage worldwide and there is a limit on your out-of-pocket cost for medical care annually. 

Some of the HMO plans also include transportation benefits for trips to doctor appointments etc. and meals-at-home program which ensures that meals are delivered to you in your home after discharge from hospital admission. Depending on your monthly premium may vary from $0 – $178 and medical deductible may vary from $0 – $1,180.

Aetna Preferred Provider Organizations (PPO)

A Medicare Advantage PPO plan also features a network of providers. However, unlike HMO plans which only cover out of network providers during emergencies, a PPO plan may allow you to get health care services from outside of the network although there may be a slightly higher out-of-pocket cost. You also may not need to have a primary care physician or require a referral to see a specialist.

Aetna PPO plans also limit your out of pocket annual cost for medical care and covers ER and urgent care worldwide. Most of Aetna’s PPO plans include fitness benefits through SilverSneakers, prescription drug (Part C) coverage (which you may also be able to get by mail order), dental, vision and hearing coverage and over-the-counter (OTC) benefits which allows you to get OTC items at no cost. 

Some of the plans also include transportation benefits for trips to doctor appointments etc. and meals-at-home program which ensures that meals are delivered to you in your home after discharge from hospital admission. Depending on your monthly premium may vary from $0 – $214 and medical deductible may vary from $0 – $1,800.

Aetna Health Maintenance Organization Point of Service (HMO-POS)

A Medicare Advantage HMO-POS plan is typically an HMO plan which doesn’t require the beneficiary to use a provider network. Although using a facility or service provider out of network may cost more. Some Aetna HMO-POS plans require a PCP or referral to see a specialist. All HMO plans limit your annual out-of-pocket medical cost, including ER and urgent care coverage worldwide, prescription drug coverage prescription drug mail order benefits, OTC benefits, and fitness benefits.

Most plans include dental, visual and hearing coverage while some plans include transportation benefits and for trips to doctor appointments, etc. and meals-at-home program which ensures that meals are delivered to you in your home after discharge from hospital admission. Depending on your monthly premium may vary from $0 – $33 and medical deductible may vary from $0 – $500.

You can use Aetna’s app called Attain to access the full benefits of your plan even as you go. You can also check your insurance coverage or talk to a doctor on the app, asking questions, or expressing your concerns, all at no additional cost.

There are other healthcare plans offered by Aetna which you can check out. You can use our website to compare prices, get quotes and find more Medical Advantage plan options as well as private insurer options in order to choose which plan best suits you, hence saving money and time.