AETNA ADVANTAGE PLANS IN MICHIGAN

Medicare Advantage Medicare Advantage plans have boomed in the last decade. Not only have they taken a step further in providing extra benefits and services to its clients but also reducing the cost of the monthly premiums. The medicare advantage plans are provided by private health insurance companies. These private companies first have to be insured by medicare. Along with managing part A and B of the medicare they also provide part C of the Medicare plan as well. Aetna is one of the biggest insurance companies in the United States, established in 1961. Along with providing one of the most beneficial plans, they are affordable and insures less out-of-pocket expenses as well. Aetna Advantage plans offered in Michigan are discussed below.

  1. Aetna Choice R3887-001 (Regional PPO)

With an overall rating of 4, the plan has a monthly premium of $0. It does not have an annual in-network deductible and the plan has an out of pocket maximum of $5500. There is a $10 copay, whenever you would visit your primary doctor, and a $45 copay while visiting a specialist. The plan does not cover your prescription needs. Emergency ambulance services and air ambulance services are also covered in this plan at a minimal copay and coinsurance. Along with pulmonary rehabilitation services, occupational therapy services, physical therapy, speech and language therapy services are also covered under this plan at $40 copay.

  1. Aetna Honor (PPO)

With an overall rating of 4, the Aetna honor plan has a monthly premium of $0. It is a preferred provider organisation plan, which lets you choose a healthcare provider of your choice. In this plan, you don’t even have to get a referral to see any special doctor. The plan has no annual deductible, and an out of pocket maximum of $5500. Under this plan, you have to pay a $10 copay for visiting your primary doctor, and a copay of $45 for specialist. Aetna Honor plan provides added services like dental coverage, oral exams, vision care, hearing services, and chiropractic services. You are also entitled to fitness, and over the counter benefits. However, the plan does not cover prescription drug services and you have to enrol in a Part D plan separately.

 

  1. Aetna Value Plus H8087-002 (PPO)

With an overall rating of 4.2, the plan is offered at a monthly premium of $15.60. The plan has an annual deductible equal to the Part B deductible amount mentioned in medicare, and an out of pocket maximum of $6700 for in-network providers. You have to pay a coinsurance of 20% while visiting your primary health care provider or any specialist. The plan covers prescription drug coverage with a deductible of $260. The deductible amount is applicable to generic, preferred brand, non preferred drug and specialty tier. For generic and brand name drugs you have to pay a 25% coinsurance. The plan also covers cardiac and pulmonary rehabilitation services, occupational therapy services, physical therapy services as well as speech therapy services at 20% coinsurance. Along with covering up to 40 meals over a span of 20 days, transportation services are also included in the plan.

 

  1. Aetna Choice H8087-001 (PPO)

With an overall rating of 4, the plan is offered at a monthly premium of $19. The plan has no annual deductible and an out of pocket maximum of $5900. While visiting your primary doctor you have to pay a copay of $20 and for a specialist, you have to pay a copay of $45. The plan covers an in-hospital stay for both acute as well psychiatric stay, at a $0 copay after the sixth day. You can also avail any urgently needed service at a copay of $45. The plan covers oral exams, eyewear, eye exams, glaucoma screening, routine hearing exams, hearing aids, fitness benefits, over the counter benefits, SilverSneakers program, meals, as well as chiropractic services.

 

  1. Aetna Choice R3887-002 (Regional PPO)

With an overall rating of 4, the plan is offered at a monthly premium of $119. This regional PPO plan has no annual deductible, and a maximum out of pocket expense of $5300. You have to pay a $15 copay while visiting your primary doctor, and a copay of $45 while visiting a specialist. The plan does not cover your prescription drug coverage. The plan covers your annual lab tests, therapeutic radiology services like a CT scan or MRI scan, outpatient surgery services and rehabilitation services as well. The plan also covers meals, which is an added benefit. It covers up to 40 meals, for 20 days.

 

  1. Aetna Choice SNP-DE H8087-003 (PPO D-SNP)

With an overall rating of 4 stars, this plan is offered at a monthly premium of $0. This gold plus plan is Special needs Plan which is specially added for people with particular chronic diseases. Not everybody is allowed to enrol in such plans. If you have a chronic disease like heart failure or end-stage renal disease, you can enrol in this plan. The special needs plan is specifically designed to cater to your needs depending on your particular situation. You have to pay a $0 copay while visiting your primary or specialty doctor. The plan also covers in-hospital stay and several chiropractic services as well. Along with covering the transportation costs, dental services, vision services, hearing services, over-the-counter benefits and fitness benefits are also covered in this plan. The plan also covers all of your prescription drug cost as well, provided you use the in-network pharmacies. The plan also provides preventive and home health care services at $0 copay.