People's lifestyle and habits have evolved over the past couple of years. It's now easier, more than ever, to get sick from mere contact with others, inhaling the air, or consuming food. What's worse is that the cost of medicine, hospitalization, and consultation are not budget-friendly. The good news is that Americans have access to the Aetna Medicare Advantage for help.
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.
Requirements for treating and diagnosing a condition such as medical supplies and services fall under Part B coverage. Early detection and prevention outpatient services and tests in hospitals, doctor's offices, and clinics are covered. Pap tests, screenings, flu shots, and other preventative services are also covered, as well as speech-language services, physical therapy, occupational therapy, and other rehabilitative services. Added are any durable medical equipment, doctor visits, mental health services, X-rays, and laboratory tests.
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.
Plans under the Aetna Medicare Advantage change depending on the city and state. This entails that monthly premiums and any additional benefits vary as well. However, it is still cheaper than other types of Medicare plans due to the in-network coverage. Accredited doctors, specialists, hospitals, and providers, are provided by Aetna in order to keep costs low. As such, any procedure, test, and doctor appointment, must follow their policies. Failure to do so may cause the patient to pay the full cost of their medical service. However, exception is given to urgent and emergency medical care.
Although it is recommended that medical care be kept within the network, it doesn't mean that patients have to stress themselves over their doctors. Their primary care doctor is responsible for their health, and the tests they need. Should specialist care be required, their doctor will recommend a different doctor that is with the Aetna network.
Other options are available to those wanting something more from the regular plan. Some of them allows patients to secure services outside the network. This, however, would entail that the patients pay more out of their pocket. There is also a plan that allows patients to go to any doctor they wish as long as he/she accepts Medicare. They get savings when they use the preferred network in their plan for other services. This plan also provides extra benefits like dental and routine vision exam. There is also a rather restrictive plan that caters to patients with certain conditions. This includes diseases that are chronic and disabling, end-stage renal disease or diabetes, and patients who live in institutions. With this plan, prescription coverage, provides, and benefits are tailor-fitted to match the patient's specific needs.
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.
Requirements for treating and diagnosing a condition such as medical supplies and services fall under Part B coverage. Early detection and prevention outpatient services and tests in hospitals, doctor's offices, and clinics are covered. Pap tests, screenings, flu shots, and other preventative services are also covered, as well as speech-language services, physical therapy, occupational therapy, and other rehabilitative services. Added are any durable medical equipment, doctor visits, mental health services, X-rays, and laboratory tests.
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.
Plans under the Aetna Medicare Advantage change depending on the city and state. This entails that monthly premiums and any additional benefits vary as well. However, it is still cheaper than other types of Medicare plans due to the in-network coverage. Accredited doctors, specialists, hospitals, and providers, are provided by Aetna in order to keep costs low. As such, any procedure, test, and doctor appointment, must follow their policies. Failure to do so may cause the patient to pay the full cost of their medical service. However, exception is given to urgent and emergency medical care.
Although it is recommended that medical care be kept within the network, it doesn't mean that patients have to stress themselves over their doctors. Their primary care doctor is responsible for their health, and the tests they need. Should specialist care be required, their doctor will recommend a different doctor that is with the Aetna network.
Other options are available to those wanting something more from the regular plan. Some of them allows patients to secure services outside the network. This, however, would entail that the patients pay more out of their pocket. There is also a plan that allows patients to go to any doctor they wish as long as he/she accepts Medicare. They get savings when they use the preferred network in their plan for other services. This plan also provides extra benefits like dental and routine vision exam. There is also a rather restrictive plan that caters to patients with certain conditions. This includes diseases that are chronic and disabling, end-stage renal disease or diabetes, and patients who live in institutions. With this plan, prescription coverage, provides, and benefits are tailor-fitted to match the patient's specific needs.
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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