The past number of years have shown how far people's habits and lifestyle have changed. Eating, breathing, and being in contact with other people, can easily cause someone to get sick. Add to that expensive consultation costs, hospitalization, and medicine, which can bring anyone down. But, like a superhero, the Aetna Medicare Advantage is available for all Americans.
Aetna offers solutions that are designed to match people's needs. Customers get the best out of their money, and they receive assurance of flexibility in case their needs change in the coming years. Options are available for families and individuals, organizations, and employers. After enrolling, and based on the plan selected, customers can see doctors enrolled in the network, or outside.
As required by law, Aetna covers everything in Part A and B of the Original Medicare program, with the exception of hospice care. Part A insurance coverage covers a number of medical services, such as inpatient hospital care. Care in these hospitals may include those in long-term care hospitals, acute care hospitals, inpatient mental care hospitals, and critical access hospitals. Nursing home care is also covered, provided that it is for a limited time, is medically necessary, and it has been established that medical care is needed for the condition. Lastly, home health services may be availed of. This includes at-home nursing care, occupational therapy, and physical therapy, provided that it is for a limited time, and therapeutic care is medically necessary.
On the other hand, Part B coverage aids patients in securing services and supplies for treating or diagnosing their condition. This includes outpatient services at hospitals, clinics, doctor's offices, and other types of medical facilities. Preventative services are also covered, as well as those that may lead to early detection. Part B coverage includes X-rays and laboratory tests, doctor visits, mental health services, rehabilitative services like physical therapy, occupational therapy, and speech-language services, durable medical equipment, and preventative services such as screenings, pap tests, and flu shots.
Aetna offers plans that serve as an alternative to Part A and B coverage, which may be helpful to those paying Part B premiums. It further adds to these coverages by offering different types of plans to meet various needs. Additional benefits include a no-cost annual physical exam, no-cost fitness facility membership, in-network coverage all over the US, and a 24-hour toll-free line to a registered nurse for any membership or health-related questions. In some plans, wellness programs and dental services may be offered, as well as prescription drug coverages.
City and state location differentiates plans offered by Aetna, which leads to differences in premiums and benefits. However, the availability of in-network coverage keeps the cost low, making it cheaper than others. To do this, Aetna provides a list of accredited provides, doctors, and hospitals. So as not to pay the entire cost of their medical care, patients are encouraged to follow their policies for any doctor visit, procedure, or test that they need done. However, emergency and urgent cases do not follow these policies.
Although it is advisable that all medical requirements be performed within Aetna's network, patients don't have to worry about looking for the specialist they need. The primary care doctor they have chosen will help them with their medical needs, and will recommend tests needed. If they need to visit a specialist, their doctor will be the one to recommend the best option who is within the network.
Patients may, however, opt to get services outside the network if enrolled in a different plan. The out-of-pocket charges are relatively higher for this, though. There is also another plan that provides savings upon utilizing the preferred network for services, and allows patients to visit any doctor, even those outside the network, provided that Medicare is accepted. Benefits such as dental care and routine vision care are included in this plan. Patients with specific needs and conditions may take advantage of a different, restrictive plan. This is recommended to patients who live in health institutions, have diabetes or end-stage renal disease, or disabling and chronic disease. With the patient's needs in mind, prescription coverage, benefits, and providers are carefully identified and listed.
Aetna offers solutions that are designed to match people's needs. Customers get the best out of their money, and they receive assurance of flexibility in case their needs change in the coming years. Options are available for families and individuals, organizations, and employers. After enrolling, and based on the plan selected, customers can see doctors enrolled in the network, or outside.
As required by law, Aetna covers everything in Part A and B of the Original Medicare program, with the exception of hospice care. Part A insurance coverage covers a number of medical services, such as inpatient hospital care. Care in these hospitals may include those in long-term care hospitals, acute care hospitals, inpatient mental care hospitals, and critical access hospitals. Nursing home care is also covered, provided that it is for a limited time, is medically necessary, and it has been established that medical care is needed for the condition. Lastly, home health services may be availed of. This includes at-home nursing care, occupational therapy, and physical therapy, provided that it is for a limited time, and therapeutic care is medically necessary.
On the other hand, Part B coverage aids patients in securing services and supplies for treating or diagnosing their condition. This includes outpatient services at hospitals, clinics, doctor's offices, and other types of medical facilities. Preventative services are also covered, as well as those that may lead to early detection. Part B coverage includes X-rays and laboratory tests, doctor visits, mental health services, rehabilitative services like physical therapy, occupational therapy, and speech-language services, durable medical equipment, and preventative services such as screenings, pap tests, and flu shots.
Aetna offers plans that serve as an alternative to Part A and B coverage, which may be helpful to those paying Part B premiums. It further adds to these coverages by offering different types of plans to meet various needs. Additional benefits include a no-cost annual physical exam, no-cost fitness facility membership, in-network coverage all over the US, and a 24-hour toll-free line to a registered nurse for any membership or health-related questions. In some plans, wellness programs and dental services may be offered, as well as prescription drug coverages.
City and state location differentiates plans offered by Aetna, which leads to differences in premiums and benefits. However, the availability of in-network coverage keeps the cost low, making it cheaper than others. To do this, Aetna provides a list of accredited provides, doctors, and hospitals. So as not to pay the entire cost of their medical care, patients are encouraged to follow their policies for any doctor visit, procedure, or test that they need done. However, emergency and urgent cases do not follow these policies.
Although it is advisable that all medical requirements be performed within Aetna's network, patients don't have to worry about looking for the specialist they need. The primary care doctor they have chosen will help them with their medical needs, and will recommend tests needed. If they need to visit a specialist, their doctor will be the one to recommend the best option who is within the network.
Patients may, however, opt to get services outside the network if enrolled in a different plan. The out-of-pocket charges are relatively higher for this, though. There is also another plan that provides savings upon utilizing the preferred network for services, and allows patients to visit any doctor, even those outside the network, provided that Medicare is accepted. Benefits such as dental care and routine vision care are included in this plan. Patients with specific needs and conditions may take advantage of a different, restrictive plan. This is recommended to patients who live in health institutions, have diabetes or end-stage renal disease, or disabling and chronic disease. With the patient's needs in mind, prescription coverage, benefits, and providers are carefully identified and listed.
About the Author:
Learn everything you need to know about the Medicare federal health insurance program and get more information about Aetna Medicare Advantage plans at http://www.healthenroller.com/medicare-advantage-election-periods now.
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