Illinois Medical Insurance Review: Aetna’s Preventative Care 3000

There are several tactics to saving and shopping for an affordable Illinois medical insurance policy. A health plan evaluation of Aetna’s various Advantage Plan Options and it is quite obvious which Illinois medical insurance programs are an exacting match for the budget conscious consumer with minimal medical requirements. Aetna’s Preventative and Hospital Care 3000 not only features low premiums, but also is completely health savings account (HSA) compatible.

The following bullets points highlight the details and benefits of Aetna’s Preventative and Hospital Care 3000 Illinois medical insurance plan:  

• Since the plan is developed to prevent the accountholder from expensive hospital bills, most standard benefits are not included. However, this Illinois medical insurance plan is ideal for employer backed health savings accounts or for people who are disciplined to cultivate a health savings account. 

Did you know that most health savings accounts are tax deductible?

Unlike preferred physician organization (PPO) – Illinois medical insurance plans, where there is co-pay, Aetna’s Preventative and Hospital Care excludes the following benefits:

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    • Visits with physicians and specialists
    • Durable medical equipment
    • Occupational therapy
    • Lab X-rays
    • Pharmaceuticals

Since, Aetna’s Preventative and Hospital Care 3000 is designed to prevent major medical conditions and assist unforeseen hospitalization, this Illinois medical insurance primarily covers:

• • • Annual routine physical ($35 co-pay with waived deductible)
    • Annual routine gynecological examination
    • Home health care is covered in lieu of hospitalization at 20 percent subsequent to the deductible.

While the underlying benefit of this Illinois medical insurance plan is to prevent major medical conditions and being faced with exorbitant hospital bills, this health plan is not ideal for people, who plan to have a family, or necessitate numerous physician and specialist visits.

Although emergency room visits have a $100 co-payment, the co-pay is waived with a hospital admission. In lieu of today’s steep hospitalization expenditures, Aetna’s $2000 co-payment is a nominal fee in comparison.

Compare Aetna’s plans with other Illinois medical insurance plans, when you obtain a fuss-free Illinois health insurance quote.

Tags: Aetna, HSA, illinois medical insurance

This entry was posted on Thursday, May 13th, 2010 at 12:50 pm and is filed under Aetna Illinois, Illinois health insurance. You can follow any responses to this entry through the RSS 2.0 feed.