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Company:
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Plans:
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Aetna
Advantage Plans
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Aetna
Advantage plans offer a variety of quality health insurance
in Colorado. You can visit any doctor or hospital you choose. Your
out-of-pocket costs will be lower in Aetna's network of participating
physicians and hospitals. You can visit your doctor's office as
often as you like and you don't need a referral to see a specialist.
When
you choose Aetna as your health insurance provider, you are gaining
a lot of advantages. Easy to understand plans, easy to choose, easy
to afford, and easy to manage.
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Coverage
Synopsis:
Coming
soon...
Optional
Riders:
Dental
Plan
For a
very minimal cost of $10-20 per insured (less than half the
cost of most other dental plans), you can add the Aetna Individual
Dental PPO Max dental plan. The quote system shows rates
with and without the dental rider.
- $25
annual deductible per member (does not apply to Diagnostic
and Preventive Services)
- $75
family maximum
- Unlimited
annual maximum
- 100%
coverage for diagnostic services, with no deductible
- 100%
coverage preventive services (cleanings, fluoride w/cleaning)
- Basic
Services (Resin Filling, Oral Surgery)
- 80
percent discount -Major Services- 50 percent discount
- Orthodontic
Services- 50 percent discount
Rates:
All deductible
options have a 6 month rate guarantee.
The premium
can be paid via quarterly, semi-annual, or annual billing, or
a monthly bank draft or credit card. The bank draft will
occur on the premium due date each month. The initial
premium can be paid with a check or credit card.
PPO
Network:
You may
use Aetna's
DocFind to locate Aetna's participating doctors and
hospitals, dentists, in addition to Primary Care Physician-referred
facilities and vendors where required. You may obtain
covered services from any provider anywhere, but you will pay
a higher percentage of the bill for out-of-network expenses.
It is important
to note that many non-emergency services require you to obtain
pre-authorization before services are rendered. Receiving
this authorization is as easy as making a phone call.
Not doing so can result in your benefits being reduced from
100% to 0%.
Underwriting:
Underwriting
of your application with Aetna normally takes two to three weeks,
though if medical records are ordered it could take longer.
It is standard
practice to request a Blood Pressure Inquiry or medical records
for all applicants who are currently being treated for or who
have recently discontinued treatment for high blood pressure
or elevated cholesterol. Certain conditions may be waivered
with a temporary rider (usually for one to two years), or an
indefinite rider.
Effective
dates:
The earliest
your coverage can go into effect is one day after your signed
application has been received by Aetna. You may request
an effective date any time as far out as 60 days after you sign
your application.
Please note,
if you are requesting an effective date of less than 21 days
from the time you complete the application, you may not receive
notification of your approval until after your effective date.
If you have claims during this period, they will be eligible
for coverage if submitted after you have been approved.
Also note
that you will be billed starting on your requested effective
date, even if you have not yet been notified that you have been
approved. This is very good for someone who does not have
any present coverage and would like for their benefits to begin
right away. For those who are already covered, it is suggested
that you maintain your current coverage in force until you have
received notice from either ColoHealth
or directly from Aetna Insurance
that your coverage has been approved and is in force.
About
Aetna Insurance:
Formed in
1850, Aetna is one of the nation's leaders in health
care, dental, pharmacy, group life, disability, and long-term
care insurance and employee benefits.
Aetna
is rated "A" (Excellent) by the A.M.
Best Company, an independent insurance rating organization.
ColoHealth
is an independent authorized Aetna agent in Colorado.
"You
were the most helpful in guiding me through the
process of selecting what was right for me."
You
were very responsive when I first called, followed up
well, and were patient and helpful despite me taking so
long to make my decision. You were the most helpful
in guiding me through the process of selecting what was
right for me. In today's world of web-based and
long-distance business, your personal touch was and continues
to be important for me.
I
appreciate your willingness to work with the customers,
providing information online for the customers to peruse
before they buy, providing choices to the customers, and
assisting the customers in selecting from them.
Thanks
for continuing to follow up, you have been very helpful.
I would most definitely recommend you to others.
Murali
Gopalakrishnan
Computer Analyst
Superior, CO
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More...
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