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.

Heart disease is the leading assassin of all chronic conditions. In most cases, people who have insurance tend to have an annual check up and thus the ability to prevent these medical fatalities. With early detection of high blood pressure, high cholesterol and a high body mass index, heart disease can be avoided.

In a recent market study by the Illinois health insurance provider, Aetna:

…almost 60 percent of Americans admit to worrying about having adequate financial means to cover health insurance and medical bills.

More importantly, the national health reform bill has made it possible for the self employed, individuals, who are approaching retirement and others to obtain medical coverage. Now that Illinois health insurance is within reach, anyone who is uninsured should obtain several Illinois medical insurance quotes to compare premiums, co-payments, out-of-pocket costs and so on, advises, President Mike Novelli of Illinois Health and Life.com

According to Aetna, an Illinois health insurance provider, Open Enrollment assures that consumers have the ability to make financially commonsensical decisions about incorporating medical costs with the rest of their financial composite.

Did you know…? It is illegal for any Illinois health insurance agent or representative to use coercive tactics to influence your decision. In other words, Illinois medical insurance quotes are 100 percent hassle-free.

Fortunately, attaining an Illinois health insurance plan in accordance with your budget  is a matter of obtaining a minimum of two Illinois medical insurance quotes.

Take advantage of Open Enrollment, by obtaining and clicking on Illinois medical insurance quotes” today.

Important note:  While it may seem impractical for healthy people to obtain medical coverage, an unforeseen hospitalization can be the result of a lifetime mired in debt. 

After comparing Aetna’s Open Access HMO to similar Illinois medical insurance plans, Illinois Life and Health identified seven winning features with Aetna’s HMO:

• Affordable monthly premiums. An individual medical health plan averages $90 – $225 per month. (Premiums are calculated according to age, health risks and medical history).

• Low cost co-pays for physician visits. Primary care physician visits are $20 and specialist visits cost $30.  The health plan also covers annual vision and gynecological examinations.

• Referral free. Dissimilar to other Illinois health plans, where the referral process can be grueling, Aetna’s Open Access HMO does not share the same annoying rules.

• Emergency care. Broken bones, burn incidents, and serious lacerations are just a few of life’s calamities, calling for an emergency visit. With Aetna’s Open Access, emergency room visits have a $100 co-pay. Meanwhile, certain Aetna professional networks have urgent care facilities, where policyholders have a $50 co-payment.

• Preventative care discounts. Bally Total Fitness, Jenny Craig and Lenscrafters are a small representation of recognized organizations, affiliated with Aetna Open Access. On the contrary, most other Illinois medical insurance plans do not extend the same benefits.

• Exceptional hospitalization benefits. Ninety percent of authorized benefits are covered for hospitalization under Aetna’s Open Access – Illinois medical insurance plans.

• Other patient / consumer friendly information. For instance, Aetna’s Open Access HMO enables accountholders to  sort through a directory of physicians, compare medical facilities and calculate basic medical costs.

Licensed insurance agent of Illinois Life and Health.com Mike Novelli advises consumers to

always compare the cost of three Illinois medical insurance plans from different providers. For reliable, expert advice, or for a fuss-free Illinois health insurance quote, contact Illinois Life and Health at 1 (866) 522-5953.