My friend tells me to swap my Aetna HMO plan with an Aetna POS health insurance plan. How will this Point of Service plan be different from my current HMO health plan?
Like most POS health insurance, the Aetna POS health plan will require you to choose a primary health care provider from a list of preferred providers within the POS program. Your primary care physician or the medical specialist of your choice will then be in charge of your medical care. Your PCP will also be the one to give referrals to other specialists and hospitals within the POS network in case you require other medical services. Some people don’t like the idea of having to choose their primary care physician who will be in charge of their health from a pre-set list of POS providers. If you’re among these people, you should keep in mind that you’ll still be able to get the kind of care you receive from your current physician for a lower cost. Doctor office visits will usually cost you less if you consult with an in-network doctor because you’ll only be required to pay the co-pay amount. If you choose Aetna POS health insurance and still want to consult specialists out of the network, you’re allowed to do so. You should just keep in mind that your health insurance plan will not cover medical services you receive from out-of-network providers. To get a better idea of what other features of the Aetna POS plans you can take advantage of, you can contact the insurance company directly or consult with an insurance broker. Answer by general public - July 3, 2009 @ 2:15 pm No CommentsNo comments yet. Leave a comment |
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Your Aetna POS insurance plan might not be that different from your current HMO health plan with Aetna. There are several differences between these two types of plans, but in essence, a Point of Service plan is a hybrid of the HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization) plans. What’s good about POS health insurance is that it offers the best options of both HMO and PPO plans.
