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Aetna Health Insurance introduced they’re leaving the California marketplace for person and circle of relatives plans. The stop date of all their plans is December 31, 2013. All 49,000 Aetna clients still have six months to parent out what health plan they need to circulate to. In this text we will provide you with a simple mapping that recommends which plans you need to pass to based upon the Aetna health plan you currently have, a “gotcha” to look at out for, and more than one silver linings to be ok with.

The only manner to update your Aetna Health Insurance is to without a doubt look for an opportunity plan with the same (or comparable) deductible quantity. The guidelines under will make that clean to do. With only a little greater attempt, you can re-assume what you need in every year scientific advantages and select a plan the is a better healthy in your contemporary needs. Either manner, you need to be able to find a appropriate solution listed below.

Aetna Health Insurance Underwriting Is More Lenient

This will be the gotcha for a few human beings. Aetna has always been extra willing to simply accept humans with some health conditions. I understand a number of my clients are in Aetna plans because they’d precise health conditions that the opposite carriers both could not be given, or might “rate” tons higher than Aetna. So this is something you need to be privy to and be cautious approximately.

If you’ve got existing health conditions, or are “too quick” (k… A touch over-weight), or have a rated plan with Aetna, then you definately need to surely communicate to a dealer before you observe with some other health insurance business enterprise. You’ll want to have the dealer do Pre-Screen Requests with a purpose to see how the other insurance companies will treat your software.

It’s critical to do the pre-screen step first, because if you simply pick a fitness plan, follow for it, and then get declined or rated even higher, it is going to be very difficult to get different coverage groups to don’t forget your software.
Let’s start mapping substitute plans…

Aetna Open Access MC Value Plan Alternatives

The Aetna Open Access Value plans are Aetna’s low-cost alternative. The Value plans provide some of one-of-a-kind deductibles, $8,000, $five,000, $2,500, and provide 3 office visits for a simple copay, and coverage for Generic prescriptions.

This plan description suits very closely to what is obtainable within the Anthem Blue Cross SmartSense plans. If you handiest need two office visits in place of 3, then the first-rate alternatives are the Health Net PPO Advantage plans and the ClearProtection plan from Anthem Blue Cross.

If price of the plan is one of your major factors, then here is how the opportunity plans above ought to be used.

Health Net PPO Advantage 3500 – gives the satisfactory usual price (cost vs benefits)
Health Net PPO Advantage 6500 – is commonly the bottom price option
Anthem Blue Cross ClearProtection 3300 – Anthem’s lowest fee solution
Anthem Blue Cross SmartSense 6000 – closest match to Aetna’s Open Access Value 8000, but decrease price
Anthem Blue Cross SmartSense 3500, 2000, 1000 – in case you feel greater at ease with decrease deductibles
In the general public of cases, the opportunity plans from Anthem and Health Net might be lower price than the similar Aetna Value plans. You’ll need to review medical health insurance rates to look how the pricing seems to your location in California.

Aetna alternative plans from all predominant medical health insurance organizations in California. The high-quality plans!

Aetna Open Access MC Plan Alternatives

The Open Access plans are Aetna’s high-quit services. These plans offered limitless office visits for just a copay, provided both Generic and Brand name prescription insurance, and provided deductibles of five,000, 3,500, 2,750, and 1,750.

The satisfactory mappings of the Open Access plans are the following:

Cigna Open Access Value plans – Cigna’s access plans, but very much like the Aetna plans but with out logo name prescription coverage
Anthem Blue Cross Premier plans – these plans are the top of the line from Anthem
Cigna Open Access plans – the excessive-give up Cigna plans
Blue Shield Shield Secure Plus plans – Blue Shield’s pinnacle cease plans
Health Net does now not have any plans that provide unlimited workplace visits and insurance of emblem call prescriptions, so there aren’t any options listed.

Aetna Open Access MC High Deductible Plan (HSA Compatible) Alternatives

These are Aetna’s entry within the Health Savings Account (HSA) like minded market. Like all HSA plans, they provide no blessings besides zero-fee preventive care till when you attain the deductible. The plans include two deductibles, either five,500 or $3,500.

The mappings for these HSA plans is the following:

Health Net CFB HSA 4500 plan – this is the first-class value HSA plan in the marketplace
Health Net CFB HSA 6000 plan – this is the general lowest fee HSA plan
Blue Shield Saver HSA plans – these are decrease price than the other non-Health Net HSA plans
Cigna Health Savings 4900 plan – appropriate trendy purpose plan
Anthem Blue Cross Lumenos 5950 plan – Anthem’s last ultimate HSA plan
Are You Looking For Lower Out Of Pocket Risk?

Some buyers can be looking to decrease premiums AND lower the OOPM’s they have got had inside the beyond. If that is your want, then right here are more than one alternatives you must explore:

Health Net CFB PPO Standard plans – the OOPM in those plans is equal to the deductible, and a couple of office visits for a copay
Cigna Open Access Value 5000/one hundred% – the OOPM is similar to the deductible, and the plan gives unlimited office visits
These opportunity plans will cost a touch extra than the direct replacement options indexed inside the sections above. However, the attractiveness of getting decrease danger if an coincidence or a medical situation starts offevolved is very compelling.

Silver Linings In The California Aetna Health Insurance Decision

I believe that Aetna is simply the first in a line of huge and small medical health insurance organizations in an effort to depart the California person and family medical health insurance market over the subsequent three-five years. Aetna had a completely small marketplace proportion, and might have a difficult time competing with the coverage organizations that dominate the California market. So having Aetna depart now will lessen the turbulence we see for the duration of the Health Care Reform roll-out later this autumn.

The first silver lining in all of this is that Aetna plans tend to have very excessive Out-Of-Pocket Maximums (OOPM). As an instance, for a family, the Open Access Value 8000 plan has an OOPM of $25,000, while the Anthem Blue Cross SmartSense 6000 plan and the ealth Net PPO Advantage 6500 have a $19,000 OOPM.

This is one of the motives human beings have stayed faraway from new Aetna plans until no different medical health insurance company would receive them. There are lots of plans from Health Net, Anthem Blue Cross, Cigna, and Blue Shield so as to have decrease OOPM’s than the Aetna plans.

The remaining silver lining of this transformation at Aetna, is that Aetna plans have now not been very aggressive the final couple of years. So changing to similar plans will come up with a discount in rates. With the statistics we’ve got given you above, you need to be capable of discover a true Aetna alternative plan, now move forth and prosper.

Aetna opportunity plans from all primary medical health insurance groups in California. The nice plans!