Aetna Health Insurance in New Jersey
Aetna is the insurance company of choice for many people around the country, including in New Jersey. The insurer has 22.1 million medical members in all, and approximately 1.2 million health care providers are part of the company’s extensive network. Those who are interested in Aetna have lots of options.
Aetna Health Insurance Plans
Most New Jersey residents choose from one of the three main health insurance options, which are Preferred Provider Organization (PPO), Point of Service (POS), and Health Maintenance Organization (HMO) plans.
POS plans provide a great deal of flexibility, but the premiums are usually the highest of the three options. PPO plans are located in the middle of the pack. These plans have some flexibility since people can choose from in-network and out-of-network providers. The premiums are lower than they are with POS plans.
HMO plans have the least flexibility as well as the lowest premiums. People must get care within the network.
High-Deductible Health Plans and Health Savings Accounts
Young, healthy people often choose high-deductible health plans. These are considered “catastrophic plans” and have low premiums.
Some people choose to pair these plans with Health Savings Accounts (HSAs). HSAs allow people to save money they can use to pay for health care, including the deductible on high deductible health plans.
Choosing an Aetna Health Insurance Policy in New Jersey
With so many options, it can be difficult to select an Aetna health insurance plan. You need help from a licensed insurance agent. An agent will help you weigh the pros and cons of each policy and select the right one for your needs.
Call us at 1-855-881-0430 for help selecting your health insurance plan.