Aetna is a health insurance provider known for accomplishing many ‘firsts’ in the industry, including the introduction of catastrophic health insurance in 1951. To this day, Aetna still provides top rate coverage for those seeking healthcare with high deductibles and low premiums. If you are searching for great catastrophic health insurance, consider the following information.
Catastrophic Health Insurance Coverage with Aetna
Aetna’s catastrophic health insurance plan is known as their Preventative and Hospital Care plan. This plan offers many different features and options for the individual.
- Annual deductible of $2,750 for each individual
- 80% of hospitalization charges covered after deductible has been met
- 80% of outpatient surgery charges covered after deductible has been met
- Coverage for maternity complications
- No co-pay or deductible required for preventive care, such as a routine physical
- $100 dollar co-pay for emergency room visits that do not lead to hospitalization
- 80% coverage of home health care after deductible
- A dental plan may be added to the catastrophic health insurance plan, allowing for dental exams, cleanings, whitening, fillings, and x-rays.
Once you have reached the pre-determined out-of-pocket maximum, Aetna catastrophic health insurance will pay for any remaining medical costs. Insurance for families is also offered, with a deductible of about $5,500 and a higher co-pay.
The Preventative and Hospital Care plan is compatible with a health savings account (HSA) which allows you to save money for your health care needs. When you have a medical issue and need the money to pay your medical bills, you can withdraw the money you have saved in your HSA.
This plan does not allow for prescription coverage or coverage of regular doctor visits. It also does not cover dental surgery or maternity, unless there are complications.
How to Apply for Catastrophic Health Insurance with Aetna
Applying for catastrophic health insurance through Aetna is easy and quick. First, you can request a quote for your insurance online or by calling Aetna at 1-866-582-9629. Once you have received your quote, you may begin the application process.
You must go online, fill out the application provided on their website, www.healthinsurance.aetna.com. You can not apply over the phone due to the information needed for your application. Once you have filled out the application and submitted it to Aetna, you simply wait for it to be approved.
Depending on the state you live in, you may or may not be able to apply for coverage with Aetna for catastrophic health insurance. Here are the states accepted by this insurance provider:
- New Jersey
- Washington D.C.
States not listed here are not currently able to receive coverage through Aetna.
Aetna insurance provides a great catastrophic plan for those searching for high deductible, low premium insurance.If you are looking for catastrophic health insurance, you may want to consider Aetna.
If you are searching for health insurance coverage and are interested in the benefits of catastrophic health insurance, continue to follow our site for the latest information.