Aetna Ohio health insurance plans are available in most parts of the state and are very competitively priced. Private individual and family policies are affordable and among the most popular plans offered by major companies. Also offered are specific plans for students and the self-employed. Policies are usually quickly approved and flexible billing options are always available, including "direct bill at home."
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.
Recently, they agreed to merge with another industry giant Humana. Aetna, the nation's third-largest insurer, purchased Humana, the nation's fourth-largest insurer, for $37 billion. Once regulatory approval is received (expected in 2016), the new carrier will immediately become the second-largest company behind UnitedHealthcare. NOTE: A difficult antitrust review may delay approval of the merger. However, a new portfolio of merged plans should be available in 2017.
Here in the Buckeye State, Aetna's pricing is typically very attractive, especially Bronze and Silver-tier copay plans. Because the availability of physicians, specialists, and hospitals is large (and country-wide), you rarely have difficulty finding a network-provider within 10 miles of your work or residence.
2016 and 2015 Plans And Pricing
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 beyond 2016, 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.
Popular Aetna Marketplace Plans In Ohio
Bronze $20 Copay - The least expensive Bronze-tier policy that offers copays on office visist ($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 also 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.
Aetna Medicare Plans In Ohio (For Persons Age 65 And Older)
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,G, and N. Options not offered by Aetna are generally available through one of many other carriers, including Anthem Blue Cross, Humana, and UnitedHealthcare.
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 the least expensive option since "Basic" benefits and the Part B coinsurance are the main features. Shown below are estimated monthly rates for a 65 year-old female:
Plan A - $125
Plan B - $138
Plan F - $156
Plan G - $144
Plan N - $113
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.
September 2013 - Aetna will not be offering policies through the Ohio Health Exchange (Marketplace) in 2014. Thus, current Open Enrollment does not apply to any of their products.
However, they will be offering policies that are "away" from the Exchange. These plans will not be eligible for a federal subsidy and will not require you to purchase the 10 required mandated benefits, including maternity. It is possible that prices for these plans will be much less expensive than many options available through Open Enrollment.
October 2013 - Off-Exchange plans will be available in the following counties: Butler, Clermont, Cuyahoga, Delaware, Fairfield, Franklin, Fulton, Geauga, Franklin, Hamilton, Henry, Lake, Licking, Lorain, Lucas, Madison, Medina, Ottawa, Pickaway, Portage, Stark, Summit, Union, Warren and Wood.
August 2015 - Aetna has agreed to purchase Humana, in a transaction that creates the second-biggest US health insurance company. At this time, it's too early to accurately predict the long-range ramifications. However, within the next few years, we expect more Counties to have access to products, and the number of in-network doctors and hospitals to remain high.