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People's lifestyle and habits have evolved over the past couple of years. It's now easier, more than ever, to get sick from mere contact with others, inhaling the air, or consuming food. What's worse is that the cost of medicine, hospitalization, and consultation are not budget-friendly. The good news is that Americans have access to the Aetna Medicare Advantage for help.
Aetna offers solutions that are designed to match people's needs. Customers get the best out of their money, and they receive assurance of flexibility in case their needs change in the coming years. Options are available for families and individuals, organizations, and employers. After enrolling, and based on the plan selected, customers can see doctors enrolled in the network, or outside.
Excepting hospice care, Parts A and B of the Original Medicare program are covered by Aetna as the law requires. Inpatient hospital care and other medical services are included in Part A coverage. Included are critical access hospitals, inpatient mental care facilities, acute care hospitals, and long-term care hospitals. If medically necessary, and a specialist has deemed that medical care is a must for a condition, then nursing home care can be availed of for a limited time. Even home care services are covered for a limited time, if it has been determined that therapeutic care is required medically. This includes physical therapy, occupational therapy, and at-home nursing care.
Requirements for treating and diagnosing a condition such as medical supplies and services fall under Part B coverage. Early detection and prevention outpatient services and tests in hospitals, doctor's offices, and clinics are covered. Pap tests, screenings, flu shots, and other preventative services are also covered, as well as speech-language services, physical therapy, occupational therapy, and other rehabilitative services. Added are any durable medical equipment, doctor visits, mental health services, X-rays, and laboratory tests.
Aetna recommends different plans that serve as alternatives to those under Part A and Part B coverage. This can be helpful to patients paying premiums for Part B coverage. Aetna extends these coverages by designing various plans that meet different patient needs. These extra benefits include free fitness facility membership, free annual physical exam, in-network service across the US, and 24/7 toll-free hot-line that connects patients to a registered nurse for questions related to membership or their health. Some plans include dental services, wellness programs, and prescription drug coverage.
Aetna Medicare Advantage plans vary per city or state. As such, benefits and monthly premiums may also vary. However, it proves to be cheaper than similar plans due to the in-network coverage. Specific hospitals, doctors, and other providers are listed by Aetna to keep the cost low. This means that tests, procedures, and doctors, should be according to their policies, else, the patient may risk paying the entire cost themselves. However, this may not be followed for emergency or urgent cases.
Although it is recommended that medical care be kept within the network, it doesn't mean that patients have to stress themselves over their doctors. Their primary care doctor is responsible for their health, and the tests they need. Should specialist care be required, their doctor will recommend a different doctor that is with the Aetna network.
Patients may, however, opt to get services outside the network if enrolled in a different plan. The out-of-pocket charges are relatively higher for this, though. There is also another plan that provides savings upon utilizing the preferred network for services, and allows patients to visit any doctor, even those outside the network, provided that Medicare is accepted. Benefits such as dental care and routine vision care are included in this plan. Patients with specific needs and conditions may take advantage of a different, restrictive plan. This is recommended to patients who live in health institutions, have diabetes or end-stage renal disease, or disabling and chronic disease. With the patient's needs in mind, prescription coverage, benefits, and providers are carefully identified and listed.
Aetna offers solutions that are designed to match people's needs. Customers get the best out of their money, and they receive assurance of flexibility in case their needs change in the coming years. Options are available for families and individuals, organizations, and employers. After enrolling, and based on the plan selected, customers can see doctors enrolled in the network, or outside.
Excepting hospice care, Parts A and B of the Original Medicare program are covered by Aetna as the law requires. Inpatient hospital care and other medical services are included in Part A coverage. Included are critical access hospitals, inpatient mental care facilities, acute care hospitals, and long-term care hospitals. If medically necessary, and a specialist has deemed that medical care is a must for a condition, then nursing home care can be availed of for a limited time. Even home care services are covered for a limited time, if it has been determined that therapeutic care is required medically. This includes physical therapy, occupational therapy, and at-home nursing care.
Requirements for treating and diagnosing a condition such as medical supplies and services fall under Part B coverage. Early detection and prevention outpatient services and tests in hospitals, doctor's offices, and clinics are covered. Pap tests, screenings, flu shots, and other preventative services are also covered, as well as speech-language services, physical therapy, occupational therapy, and other rehabilitative services. Added are any durable medical equipment, doctor visits, mental health services, X-rays, and laboratory tests.
Aetna recommends different plans that serve as alternatives to those under Part A and Part B coverage. This can be helpful to patients paying premiums for Part B coverage. Aetna extends these coverages by designing various plans that meet different patient needs. These extra benefits include free fitness facility membership, free annual physical exam, in-network service across the US, and 24/7 toll-free hot-line that connects patients to a registered nurse for questions related to membership or their health. Some plans include dental services, wellness programs, and prescription drug coverage.
Aetna Medicare Advantage plans vary per city or state. As such, benefits and monthly premiums may also vary. However, it proves to be cheaper than similar plans due to the in-network coverage. Specific hospitals, doctors, and other providers are listed by Aetna to keep the cost low. This means that tests, procedures, and doctors, should be according to their policies, else, the patient may risk paying the entire cost themselves. However, this may not be followed for emergency or urgent cases.
Although it is recommended that medical care be kept within the network, it doesn't mean that patients have to stress themselves over their doctors. Their primary care doctor is responsible for their health, and the tests they need. Should specialist care be required, their doctor will recommend a different doctor that is with the Aetna network.
Patients may, however, opt to get services outside the network if enrolled in a different plan. The out-of-pocket charges are relatively higher for this, though. There is also another plan that provides savings upon utilizing the preferred network for services, and allows patients to visit any doctor, even those outside the network, provided that Medicare is accepted. Benefits such as dental care and routine vision care are included in this plan. Patients with specific needs and conditions may take advantage of a different, restrictive plan. This is recommended to patients who live in health institutions, have diabetes or end-stage renal disease, or disabling and chronic disease. With the patient's needs in mind, prescription coverage, benefits, and providers are carefully identified and listed.
About the Author:
Learn everything you need to know about the Medicare federal health insurance program and get more information about Aetna Medicare Advantage plans at http://www.healthenroller.com/medicare-advantage-election-periods now.
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