Affordable Ohio Health Insurance Plans

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Aetna Ohio health insurance coverage is available in most parts of the state and is very competitively priced. Group, individual, and family policies are  among the most popular plans offered, along with Senior Medigap plans for applicants that have reached age 65. Also offered are specific plans for students and the self-employed. Policies can be easily customized, and flexible billing options are always available, including "direct bill at home."

About Aetna

CVS acquired Aetna last year, in of the largest corporate mergers ever. This giant carrier issued its first insurance policy in 1850.  But, many Ohioans are truly happy they “met” Aetna, especially considering their large network of doctors and specialists. Their PPO coverage is recognized and respected by more than 21,000 doctors and hospitals, making it one of the most popular forms of medical coverage. More than 23 million persons are covered by health benefits, and an additional 14 million persons for dental benefits. Employer-sponsored benefits continue to cover large and small companies.

In addition to individual and Senior coverage, other lines of business include dental, vision, disability, Group life, pharmacy, Medicaid services, and worker's compensation administration. The network of providers is large for both young and older applicants. Currently, Aetna does not market subsidized Marketplace plans or "off-Exchange" contracts in the Buckeye State. It is possible, with new healthcare legislation, they may begin offering under-65 coverage in 2021 in selected counties.

Additional products offered in the state include: Indemnity, traditional choice, elect choice, and self-funded plans, and student medical plans that are medically-underwritten.

 

Aetna Senior Medicare Coverage In Ohio (For Persons Age 65 And Older)

 

Medicare Supplement Plans

 

Medicare Supplement plans pay for many of the out-of-pocket expenses not covered by basic coverage. The standardized plans that are available are A, B, F, F (HD), G, and N. Options not offered by Aetna are generally available through one of many other carriers, including Anthem Blue Cross, Humana, Transamerica, UnitedHealthcare, and many additional carriers.

Plan F is the most comprehensive and expensive option, since Part A and B deductibles, 100% Part B coinsurance, Part B excess, foreign travel emergency, and skilled nursing facility coinsurance are covered. Plan A is one of the least expensive options, since "Basic" benefits and the Part B coinsurance are the main features. Parts A and B deductibles are not covered. Plan F (HD) is the least expensive option, since a single deductible must be met before benefits are paid (100%). 

Shown below are estimated monthly preferred rates for all available plans in selected areas. Three rating territories are utilized: Zip codes 436 and 440-445 consist of one area. 450-454, and 459 consist of another area. The remainder of the state is the third area.

Hamilton, Clermont, Clinton, Brown, Warren, Highland, Preble, Greene, Shelby, Darke, Miami, Montgomery, Mercer, Clark, and Adams Counties Male Age 65

Plan A - $121

Plan B - $128

Plan F - $164

Plan F (HD) - $66

Plan G - $127

Plan N - $93

 

Hamilton, Clermont, Clinton, Brown, Warren, Highland, Preble, Greene, Shelby, Darke, Miami, Montgomery, Mercer, Clark, and Adams Counties Female Age 65

Plan A - $105

Plan B - $111

Plan F - $143

Plan F (HD) - $57

Plan G - $110

Plan N - $81

 

Zip Codes 436 and 440-445 Male Age 65

Plan A - $135

Plan B - $143

Plan F - $183

Plan F (HD) - $73

Plan G - $141

Plan N - $104

 

Zip Codes 436 and 440-445 Female Age 65

Plan A - $117

Plan B - $124

Plan F - $159

Plan F (HD) - $64

Plan G - $123

Plan N - $90

 

Remainder Of State Male Age 65

Plan A - $115

Plan B - $122

Plan F - $156

Plan F (HD) - $63

Plan G - $121

Plan N - $89

 

Remainder Of State Female Age 65

Plan A - $100

Plan B - $106

Plan F - $136

Plan F (HD) - $54

Plan G - $105

Plan N - $77

 

 Compare Senior Aetna plans in Ohio. Advantage, Part D and Supplement coverage is offered.

 

Medicare Advantage Plans (Rates And Benefits Often Vary Depending On County)

 

Aetna Medicare Value Plan (PPO) - $0 monthly premium with $145 deductible and maximum out-of-pocket expenses of $4,900. Office visit copays are $10 and $45, with ER copay of $90. Inpatient hospital copay is $360 per day for first five days, and $0 days 6-90. Lab and diagnostic copays are $0-$10 and 20%. Imaging copays are x-ray ($10-$50), and CT-scan and radiology ($235). The ambulance copay is $260. Dental and eyewear benefits can be added as riders. Preferred pharmacy 30-day copays are $2 (Tier1), $5 (Tier 2), $47 (Tier 3), $100 (Tier 4), and 30% (Tier 5). 90-day mail-order copays are $0 (Tier1), $10 (Tier 2), $136 (Tier 3), and $300 (Tier 4).

 

Aetna Medicare Value Plan (HMO) - $0 deductible and maximum out-of-pocket expenses of $3,600. Office visit copays are $5 and $30, with ER copay of $90. Inpatient hospital copay is $400 per day for first four days, and $0 days 5-90. Lab and diagnostic copays are $0-$10 and 20%. Imaging copays are x-ray ($10), and CT-scan and radiology (20%). The ambulance copay is $240. Dental and eyewear benefits can be added as riders. Preferred pharmacy 30-day copays are $2 (Tier1), $5 (Tier 2), $47 (Tier 3), $100 (Tier 4), and 31% (Tier 5). 90-day mail-order copays are $0 (Tier1), $10 (Tier 2), $136 (Tier 3), and $300 (Tier 4). 

 

Aetna Medicare Choice Plan (PPO) - $0 deductible and maximum out-of-pocket expenses of $4,100. Office visit copays are $10 and $30, with ER copay of $90. Inpatient hospital copay is $220 per day for first six days, and $0 days 7-90. Lab and diagnostic copays are $0 and $25. Imaging copays are x-ray ($20), and CT-scan and radiology ($140). The ambulance copay is $260. Dental, hearing, and eyewear benefits are included, subject to policy limitations. Preferred pharmacy 30-day copays are $2 (Tier1), $5 (Tier 2), $47 (Tier 3), $100 (Tier 4), and 33% (Tier 5). 90-day mail-order copays are $0 (Tier1), $10 (Tier 2), $136 (Tier 3), and $300 (Tier 4). 

 

Aetna Medicare Standard Plan (PPO) - $0 deductible and maximum out-of-pocket expenses of $4,750. Office visit copays are $5 and $50, with ER copay of $90. Inpatient hospital copay is $285 per day for first six days, and $0 days 7-90. Lab and diagnostic copays are $0-$10 and $50. Imaging copays are x-ray ($5-$50), and CT-scan and radiology ($150). The ambulance copay is $250. Hearing, dental, and eyewear benefits are covered subject to policy limitations. Preferred pharmacy 30-day copays are $2 (Tier1), $5 (Tier 2), $47 (Tier 3), $100 (Tier 4), and 33% (Tier 5). 90-day mail-order copays are $0 (Tier1), $10 (Tier 2), $136 (Tier 3), and $300 (Tier 4). 

 

Aetna Medicare OH Connect Gold 2 (Regional PPO) - $350 deductible and maximum out-of-pocket expenses of $3,500.  The office visit copays are $5 and $50, with ER copay of $90. Inpatient hospital copay is $350 per day for first five days, and $0 days 6-90. Lab and diagnostic copays are $0-$10 and $20. Imaging copays are x-ray ($20), and MRI ($100). The ambulance copay is $150. $1,000 of hearing and dental benefits are included, and $300 of eyewear benefits.  Preferred pharmacy 30-day copays are $2 (Tier1), $5 (Tier 2), $47 (Tier 3), $100 (Tier 4), and 26% (Tier 5). 90-day mail-order copays are $0 (Tier1), $10 (Tier 2), $136 (Tier 3), and $300 (Tier 4). 

 

Aetna Medicare OH Connect Gold (Regional PPO) - $0 deductible and maximum out-of-pocket expenses of $3,500. Office visit  copays are $5 and $20, with ER copay of $90. Inpatient hospital copay is $200 per day for first five days, and $0 days 6-90. Lab and diagnostic copays are $0. Imaging copays are x-ray ($15), and MRI ($100). The ambulance copay is $150. $1,000 of hearing and dental benefits are included, and $300 of eyewear benefits.  Preferred pharmacy 30-day copays are $0 (Tier1), $0 (Tier 2), $47 (Tier 3), $100 (Tier 4), and 33% (Tier 5). 90-day mail-order copays are $0 (Tier1), $0 (Tier 2), $136 (Tier 3), and $300 (Tier 4). 

 

Aetna Medicare OH Connect Gold 2 (HMO) - $177 monthly premium with $0 deductible and maximum out-of-pocket expenses of $3,500. Office visit copays are $35 and $50, with ER copay of $80. Inpatient hospital copay is $350 per day for first five days, and $0 days 6-90. Lab and diagnostic copays are $20 and 20%. Imaging copays are x-ray ($20), and CT-scan and radiology ($275). The ambulance copay is $150 with a $250 copay for an ambulatory surgical center. Dental, hearing, and eyewear benefits vary. Preferred pharmacy 30-day copays are $2 (Tier1), $5 (Tier 2), $42 (Tier 3), $100 (Tier 4), and 30% (Tier 5). 90-day mail-order copays are $0 (Tier1), $10 (Tier 2), $121 (Tier 3), and $300 (Tier 4).

 

Aetna Medicare Select Plan (HMO) - $0 monthly premium with $95 deductible and maximum out-of-pocket expenses of $4,900. Office visit copays are $5 and $35, with ER copay of $90. Inpatient hospital copay is $350 per day for first four days, and $0 days 5-90. Lab services copays are $0-$10. Outpatient x-ray copays are $0-$50.  Diagnostic radiology services are subject to a $150 copay. The ambulance copay is $220. Dental, hearing, and eyewear benefits are subject to copays of $0-$35. Preferred pharmacy 30-day copays are $2 (Tier1), $5 (Tier 2), $47 (Tier 3), $100 (Tier 4), and 31% (Tier 5). 90-day mail-order copays are $0 (Tier1), $10 (Tier 2), $136 (Tier 3), and $300 (Tier 4).

 

Part D Prescription Drug Plans

 

Aetna Medicare Rx Select - $16.30 per month premium. Annual prescription deductible is $0 for Tiers 1 and 2. $410 deductible for Tiers 3, 4, and 5. The initial coverage limit is $3,820, and the True Out-Of-Pocket Threshold Amount (TrOOP) is $5,100. 30-day copays are $0 (Tier 1), $2 (Tier 2), $47 (Tier 3), 40% (Tier 4), and 25% (Tier 5).  90-day copays are $0 (Tier 1), $6 (Tier 2), $141 (Tier 3), 40% (Tier 4), and NA (Tier 5).

 

Aetna Medicare Rx Saver - $30.10 per month premium. Annual prescription deductible is $0 for Tiers 1 and 2. $315 deductible for Tiers 3, 4, and 5. The initial coverage limit is $3,820, and the True Out-Of-Pocket Threshold Amount (TrOOP) is $5,100. 30-day copays are $1 (Tier 1), $2 (Tier 2), $30 (Tier 3), 35% (Tier 4), and 26% (Tier 5).  90-day mail-order copays are $3 (Tier 1), $6 (Tier 2), $90 (Tier 3),  and 35% (Tier 4).

 

First Health Part D Value Plus - $58.70 per month premium. Annual prescription deductible is $0 for all tiers. The initial coverage limit is $3,820, and the True Out-Of-Pocket Threshold Amount (TrOOP) is $5,100. 30-day copays are $1 (Tier 1), $2 (Tier 2), $47 (Tier 3), 47% (Tier 4), and 33% (Tier 5).  90-day mail-order copays are $3 (Tier 1), $6 (Tier 2), $141 (Tier 3), and 47% (Tier 4).

 

Aetna Ohio Dental Plans

 

Aetna Dental Direct Preferred PPO - The policy deductible is $50 per person and $150 per family. The annual maximum benefit is $1,000. Preventive oral exams, cleanings, sealants, and full mouth series images are coveted at 100% with no waiting period. Resin filling (one surface), uncomplicated extractions, and periodontal maintenance cleanings covered with 20% coinsurance (40% out-of-network) with six month waiting period.

Major services have a 12-month waiting period (orthodontics, dentures, root canal therapy, crowns, and oral surgery.  Major services are subject to 50% coinsurance. 

 

Aetna Dental Direct Core PPO - The policy deductible is $50 per person and $150 per family. The annual maximum benefit is $1,250. Preventive oral exams, cleanings, sealants, and full mouth series images are coveted at 100% with no waiting period. Resin filling (one surface), uncomplicated extractions, and periodontal maintenance cleanings covered with 20% coinsurance (50% out-of-network) with six month waiting period.

Major services have a 12-month waiting period (orthodontics, dentures, root canal therapy, crowns, and oral surgery.  Major services are subject to 50% coinsurance.

 

Vital Savings Dental Discount Card - Premiums start at $7.99 per month. Coverage is not considered insurance and should not be used as a substitute for a comprehensive plan. A 15%-50% discount can be utilized at more than 200,000 locations throughout the US. Discounted charges are negotiated for Aetna Vital Savings.

Examples of savings include $2,258 (braces), $53 (adult cleanings), $38 (child cleanings), $415 (dentures), $117 (extractions), $332 (root canals), $75 (x-rays), and $93 (fillings).

Coverage can be purchased online, by mail or, by phone. A dental plus Rx card is also offered for approximately $9.99 per month. An initial enrollment fee of $15 must be paid at the time of application. An annual payment can be made ($75 for dental and $95 for dental and Rx). The family rates are $105 and $125.

 

Aetna Better Health Of Ohio

This managed care plan has a contract with Medicare and Ohio Medicaid. Physical, long term care, and behavioral benefits are provided for Buckeye State residents that have reached age 18. Coverage is offered in the following counties: Delaware, Franklin, Madison, Pickaway, Union, Butler, Clermont, Clinton, Hamilton, Warren, Fulton, Lucas, Ottawa, and Wood. Enrollment can be completed online or by calling the Ohio Medicaid Consumer Hotline.

Treatment must be provided inside the network unless emergency services are required, a federally approved health center or clinic is used, or pre-approval has been granted. Out-of-network charges may be more expensive and may not be covered.

Benefits provided with no out-of-pocket expenses include: Office visits, wellness and specialist visits, transportation to office visits (within 30 miles), lab tests, x-rays, screening tests, generic and brand name drugs, over-the-counter drugs, ER and ambulance services, Urgent Care visits, and hospital stays.

Additional benefits covered at 100% include rehab services, home medical equipment, eye exams, glasses, dental visits, hearing aids, hearing screenings, wheelchairs, nebulizers, and home health care services. Prior authorization may be required and coverage is subject to policy limits.

 

Small Business Plans

Network Only - HMO, Select, Open Access Select, Choice, Open Access Elect Choice, and Health Network Only.

Network Option Plans - Managed Choice, Open Choice, Open Choice PPO, Choice POS II, QPOS, and Open Access Managed Choice.

Indemnity Plans - Freedom of choice to visit any provider. Discounted rates and products.

 

 

Previous Year Pricing (Under Age 65)

Their rates are not always the lowest, when compared to other companies, but their PPO plans are usually a "good buy."  We expect to see Aetna continue to participate in the Ohio Exchange and Marketplace again by 2021, which will guarantee approval for all consumers that purchase a policy. You can apply directly through our website.

Although they have not offered individual medical plans as long as a few other companies, such as UnitedHealthOne, Medical Mutual or Anthem, a wide variety of quality policies are available, including comprehensive, catastrophic and HSA plans. Short-term coverage is not available although customers can cancel their policy at any time. Thus, if you only needed to purchase benefits for a few months, that would be acceptable. (Note: At this time, Aetna does not offer short-term plans). 

Get cheap Aetna family health insurance at Ohioquotes.com. Purchase a policy and use a fderal tax subsidy to help pay premiums.


Previously-Available Popular Marketplace Plans In Ohio

 

Bronze $20 Copay - The least expensive Bronze-tier policy that offers copays on office visits ($20) and generic prescriptions ($15). As a Point-Of-Service (POS) option, this plan combines HMO and PPO features, including substantial discounts if stay "in-network."

Specialist visits are subject to a $50 copay and must meet the policy deductible of $5,750. Hospital visits have a $250 per stay charge plus applicable deductibles and copays.

Silver $10 Copay - Another POS plan that features a very low $10 copay on office visits but no deductible on specialist visits. Since the cost of a specialist can easily be more than $150, this is a major money-saver. The deductible of $3,750 is also very reasonable.

Cost-sharing applies (to all Silver-tier plans), so depending upon household income, deductible and out-of-pocket expenses can drastically reduce.

Gold $5 Copay - "Cadillac" of Ohio Marketplace policies. $5 and $40 copays on primary-care-physician and specialist visits. Add a low $1,400 deductible and you have a very attractive option if you're willing to spend a few extra dollars. Maximum out-of-pocket maximum is $5,000.

Grandfathered plans (policies issued in April of 2010 or earlier) remain active for many households. Although benefits do not reflect new mandates and guidelines, unless they are terminated by the original carrier, you may keep the contract.

These options have become very popular in recent years. And although their rates are extremely competitive, it is still important to properly compare their policy to the other Ohio health companies. And that’s what we do best! Although we will consider all policies when researching your options, we feel it is most important to recommend the options that best fits your specific needs...regardless of which company that might be.

 

Senior health insurance plans in Pa from Aetna are affordable and save money. Get your free online quote now and enroll.

 

The quotes you view on our website are always free! When applying for coverage, we can help you every step of the way, including researching and comparing policies. You can also "apply direct" with the links we provide.