Aetna PPO High Deductible 3500 (HSA Compatible) – Michigan Health Insurance Plan
A detailed comparison of the Aetna PPO High Deductible 3500 (HSA Compatible) health insurance plan as offered in Michigan is listed below for both Network and Non-Network coverage. This is a review of the coverage for this specific Aetna plan. However, GoHealthInsurance offers a large variety of health insurance options to fit your needs. If you wish, get a new Aetna health insurance quote for Michigan now or view all of our Aetna health insurance quotes.
| Network | Non-Network | |
|---|---|---|
| Copay | Non-Specialist Office Visit (General Physician, Family Practitioner, Pediatrician or Internist): 10% after deductible (Unlimited visits), Specialist Visit: 10% after deductible (Unlimited visits) | Non-Specialist Office Visit (General Physician, Family Practitioner, Pediatrician or Internist): 50% after deductible (Unlimited visits), Specialist Visit: 50% after deductible (Unlimited visits) |
| OfficeVisit | Non-Specialist Office Visit (General Physician, Family Practitioner, Pediatrician or Internist): 10% after deductible (Unlimited visits), Specialist Visit: 10% after deductible (Unlimited visits) | Non-Specialist Office Visit (General Physician, Family Practitioner, Pediatrician or Internist): 50% after deductible (Unlimited visits), Specialist Visit: 50% after deductible (Unlimited visits) |
| Deductible true | Individual: $3,500, Family: $7,000 | Individual: $7,000, Family: $14,000 |
| Coinsurance | 10% after deductible up to out of pocket max. ($0 once out of pocket max. is satisfied) | 50% after deductible up to out of pocket max. ($0 once out of pocket max. is satisfied) |
| Coinsurance Limit | Individual: $2450, Family: $4900 | Individual: $5,500, Family: $11,000 |
| Out-of-Pocket Maximum | N/A | N/A |
| Lifetime Maximum | Unlimited | Unlimited |
| Prescription Drugs | Pharmacy Deductible (per individual): Integrated Medical/Rx Deductible; Generic (Oral Contraceptives Included): 10% after Medical/Rx deductible; Preferred Brand (Oral Contraceptives Included): 10% after Medical/Rx deductible; Non-Preferred Brand (Oral Con | Pharmacy Deductible (per individual): Integrated Medical/Rx Deductible; Generic (Oral Contraceptives Included): 50% after Medical/Rx deductible; Preferred Brand (Oral Contraceptives Included): 50% after Medical/Rx deductible; Non-Preferred Brand (Oral Con |
| Emergency Room | 10% after deductible | 10% after deductible |
| Adult Preventative Care | Annual Routine Gyn Exam (No waiting period, no calendar year max., Annual Pap/Mammogram): $0 copay, deductible waived; Preventive Health - Routine Physical: $0 copay, deductible waived (Includes lab work and X-rays) | Annual Routine Gyn Exam (No waiting period, no calendar year max., Annual Pap/Mammogram): 50% after deductible; Preventive Health - Routine Physical: 50% after deductible (Includes lab work and X-rays) |
| Child Preventative Care | $0 (Age and frequency limits apply); No charge for immunizations up to age 18 | 50% (Age and frequency limits apply); No charge for immunizations up to age 18 |
| Lab / X-Ray | 10% after deductible (Non-Preventive) | 50% after deductible (Non-Preventive) |
| Maternity | Not covered (Except for pregnancy complications) | Not covered (Except for pregnancy complications) |
| Physical Therapy | Physical/Occupational Therapy (24 visits per calendar year, Maximum applies to combined in and out-of-network benefits): 10% after deductible | Physical/Occupational Therapy (24 visits per calendar year, Maximum applies to combined in and out-of-network benefits): 50% after deductible |
| Home Health Care | 10% after deductible (instead of hospital, 30 visits per calendar year, maximum applies to combined in and out-of-network benefits) | 50% after deductible (instead of hospital, 30 visits per calendar year, maximum applies to combined in and out-of-network benefits) |
| Mental Health | Not covered | Not covered |
| Hospital Care | Hospital Admission: 10% after deductible; Outpatient Surgery: 10% after deductible; Urgent Care Facility: 10% after deductible | Hospital Admission: 50% after deductible; Outpatient Surgery: 50% after deductible; Urgent Care Facility: 50% after deductible |
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