| Aetna Health Insurance Company of Arizona is a top | | | | prices of $15, $25 and $40 respectively. The last |
| notch choice for Arizona health insurance. Of course, | | | | thing worth mentioning about this plan is that for |
| no one insurance company is the best fit for | | | | hospitalization you will pay 20% after you meet your |
| everyone's needs so let's take a closer look at some | | | | deductible. |
| of the Arizona health insurance plans offered by | | | | PPO 1500: The premiums in this plan are moderately |
| Aetna and see if they may be a good fit for your | | | | high and they offer a $1500 deductible for individuals |
| medical insurance needs. | | | | and $3000 for family. The coverage is almost the |
| Aetna has been in the picture of the American | | | | same as the first plan described because they shared |
| consumer since 1850. In that year it was founded in | | | | the same copayments when for doctor visits, |
| the state of Connecticut to sell life insurance. | | | | specialists and hospitalization. Some different things |
| Nowadays this insurance company is one of the | | | | are the prescription coverage which would range |
| nation's leaders in health care, dental, group plan and | | | | from $15 to $40 and that the maximum out of |
| disability insurance. It is because of their continual | | | | pocket would be a little more expensive, $3000 for |
| growth within the United States that the company | | | | individual and $6000 for family. |
| now has an estimated 15.8 million medical members, | | | | PPO 2500: As expressed in its name the deductible |
| 13 million dental members and 10.6 million pharmacy | | | | for this coverage is much higher with $2500 for |
| members. They serve in all 50 states of the nation | | | | individual and $5000 for a family. The copay for |
| including the state of Arizona and it is in this state | | | | hospitalization is the same as the other two plans |
| that just recently in 2005, the company introduced | | | | discussed before, however the doctor copay varies |
| Medicare advantage plans. | | | | with $25 for office visits and $45 for specialists. |
| The state of Arizona with approximately 6,166,318 | | | | Out-of-pocket maximum is $5000 for individual and |
| million inhabitants is one of the fastest growing states | | | | $10000 per family, and prescription drug coverage |
| in the nation with a 20% increase in population from | | | | ranges from $15 to $40 dollars. |
| 2000 to 2006. What the company does to | | | | PPO 5000: Premiums for this plan are much lower |
| accommodate their members in the state of Arizona | | | | than all the other ones simply because it has a high |
| is split the counties in which it offers coverage into | | | | deductible in case of using the services. If you |
| two areas. The rate of your health plan and your | | | | choose this plan you will have a deductible of $5000 |
| providers will change according to the area in which | | | | for individual and $10000 for family. Your office visits |
| you live in. | | | | will also be $25 with a higher cost of $40 for |
| The areas will also determine which network of | | | | specialists. Hospitalization is also 20% after the |
| specialists they will be using when is time for them to | | | | deductible and prescription coverage also ranges from |
| receive health coverage. Area one includes the | | | | $15 to $40. The out-of-pocket maximum is much |
| following counties: Apache, Cochise, Coconino, Gila, | | | | higher however, with $7500 individual and $15,000 per |
| Graham, Greenlee, La Paz, Mohave, Navajo, Pinal, | | | | family accordingly. |
| Santa Cruz, Yavapai and Yuma. These counties are all | | | | PPO Value 2500: This plan offers you moderately high |
| under the Preferred Provider Organization Network | | | | out of pocket expenses and copays, but the |
| or PPO, meaning that their in-network coverage will | | | | moderate monthly premiums balance it out. The |
| include all the PPO network providers. In case that | | | | office visits vary because for your 1st and 2nd visit |
| they use someone that is not included under the PPO | | | | you will only pay $30, however after the 3rd visit |
| network, they will have to pay out of network costs. | | | | you will be charged 30% after you pay your |
| The second area is very different than the first one | | | | deductible. The deductible is $2500 for individual and |
| in that it only covers the counties of Maricopa and | | | | $5000 for family, while the out-of-pocket maximum is |
| Pina. These two counties fall under what Aetna calls | | | | $5000 for individual and $1000 for family respectively. |
| the Aexcel Network. This type of network is very | | | | Once again we see the prescription coverage divided |
| different than any other one simply because is a | | | | into three tiers with the copays of $15, $35 and $50 |
| network exclusively for specialists. These specialists | | | | respectively. |
| are classified by Aetna because they have | | | | First Dollar PPO 35: With moderate premiums, |
| demonstrated cost-effective coverage and excelled | | | | moderate monthly payments and excellent |
| in medical coverage efficiency. Members of this | | | | prescription coverage this plan is one of the most |
| network can choose to select specialists within | | | | famous within the state. You do not have a |
| twelve areas. Those twelve areas involve cardiology, | | | | deductible and your out-of-pocket maximum is $3500 |
| cardiothoracic surgery, gastroenterology, | | | | for individual and $7000 for family. Your office visits |
| otolaryngology, neurology, neurosurgery, general | | | | are $35 and $45 for specialists, while your |
| surgery, obstetrics and gynecology, plastic surgery, | | | | prescription drug coverage is $15, $25 and $40 |
| urology and vascular surgery. | | | | divided into the three tiers. The only thing that is a |
| It is also important to highlight that Aetna members | | | | little bit more expensive is hospitalization for which |
| that chose any specialist within this network will not | | | | you will have to pay a 35% co-insurance. |
| be charged more because of it. They are covered | | | | Preventive and Hospital Care 1250: This plan gives |
| under their plan and they can choose to attend | | | | you the freedom to go to any recognized health |
| anyone in the network of specialists at any time. | | | | care professional for treatment. Premiums are low |
| The first insurance company to offer consumer | | | | simply because out-of-pocket expenses are a little bit |
| directed health plans, Aetna receives a rating of A by | | | | higher. You have a deductible of $1250 for individual |
| A.M. Best making it an excellent choice for anyone | | | | and $2500 for family the same amount of |
| looking to purchase health care coverage. They have | | | | out-of-pocket maximum ($1250 and $25000). You are |
| over 793,000 health care professionals affiliated to | | | | not covered for doctor visits and prescription |
| them, 462,000 primary care doctors and physicians | | | | coverage because it's only a preventive care plan and |
| and 4,716 hospitals within the United States and they | | | | for hospitalizations you will have to pay 20% after |
| continue to grow. In the state of Arizona, they have | | | | meeting your deductible. |
| established themselves are one of he biggest health | | | | Preventive and Hospital Care 3000: Like the other |
| insurance companies and at the moment they offer | | | | preventive plan discussed above, you can go |
| 8 plans that people looking for health coverage can | | | | anywhere if you are covered under this plan. Aetna |
| choose from. Below you will see each plan listed and | | | | offers this plan as a Health Savings Account |
| a brief description of what it offers. | | | | compatible coverage, which means that you can pay |
| PPO 1000: With this plan you will have a $1000 | | | | for medical expenses on tax-advantage basis. With |
| deductible per individual and $2000 per family. All | | | | these plan you will have a $3000 deductible for |
| members of this plan will use the PPO network and | | | | individual and $6000 for family with an out-of-pocket |
| their out-of-pocket maximum would be $2500 for | | | | maximum of $5000 for individual and $10000 for |
| individual and $5000 for family. You will be paying a | | | | family. You will not be covered for doctor visits and |
| $20 for office visits ($35 if the visit involves a | | | | prescription medication and you will have to pay a |
| specialist) and prescription coverage is divided into | | | | 20% co-insurance for hospitalizations after your |
| three tiers (generic, brand name and specialty) with | | | | deductible. |