An Aetna Health Network Option plan is an HMO product that allows members to seek care from in-network providers at a lower out-of-pocket cost than the out-of-pocket cost of out-of-network care.
Affordable Aetna Health Network Option Plans – How They Work
Aetna Health Network Option benefits plans feature the Aetna Provider Network – as a member in Florida you are encouraged but not required to select a Primary Care Physician (PCP) who manages and coordinates your care within the network. You may receive care from non-network providers but with greater out-of-pocket costs. You may also be responsible for co-payments, coinsurance and an annual deductible.
As an Aetna Health Network Option Plan member, you are not required to use a PCP and you are not required to visit in-network providers. However, the plan encourages you to do so by offering more coverage for those choices.
For medical visits within the Aetna Provider Network, paperwork is completed for you. If you choose to go outside the network, it is your responsibility to fill out the forms, send bills in for payment, and keep an accurate account of health care receipts.
Aetna Health Network Option Plan in Florida – Is It Right For You?
Aetna Health Network Option benefits plans offer broader coverage and lower monthly premium payments balanced with a choice of deductible levels. They can be a good choice if you anticipate frequent doctor visits and want to limit spending for those visits.
These plans offer benefits including:
- Coverage for office visits to your PCP and specialists
- No referrals required to see a specialist
- Coverage for prescription drugs
- Coverage for routine physicals including lab work and X-rays
Does that seem like the type of coverage you need?
Please keep in mind that all plan types may not be available in every state.