Aetna – PPO 1000 – ALABAMA
A comparison of the PPO 1000 offered by Aetna is detailed out below for both Network and Non-Network coverage.
| Network | Non-Network | |
|---|---|---|
|
||
| Network | See Provider | See Provider |
| Application | PPO 1000 Application | PPO 1000 Application |
| Brochure | PPO 1000 Brochure | PPO 1000 Brochure |
| Copay | Non-Specialist Office Visit (General Physician, Family Practitioner, Pediatrician or Internist): $20 copay, deductible waived (Unlimited visits); Specialist Visit: $30 copay, deductible waived (Unlimited visits) | Non-Specialist Office Visit: 50% after deductible, Specialist Visit: 50% after deductibleNon-Specialist Office Visit (General Physician, Family Practitioner, Pediatrician or Internist): 50% after deductible (Unlimited visits); Specialist Visit: 50% after deductible (Unlimited visits) |
| Office Visit | Non-Specialist Office Visit (General Physician, Family Practitioner, Pediatrician or Internist): $20 copay, deductible waived (Unlimited visits); Specialist Visit: $30 copay, deductible waived (Unlimited visits) | Non-Specialist Office Visit: 50% after deductible, Specialist Visit: 50% after deductibleNon-Specialist Office Visit (General Physician, Family Practitioner, Pediatrician or Internist): 50% after deductible (Unlimited visits); Specialist Visit: 50% after deductible (Unlimited visits) |
| Deductible | Individual: $1,000, Family: $2,000 | Individual: $2,000, Family: $4,000 |
| Coinsurance | 80% 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: $1,500, Family: $3,000 | Individual: $1,500, Family: $3,000 |
| Out-of-Pocket Maximum | Individual: $2,500, Family: $5,000 (Includes deductible) | Individual: $3,500, Family: $7,000 (Includes deductible) |
| Lifetime Maximum | $5,000,000 per insured (Maximum applies to combined in and out-of-network benefits) | $5,000,000 per insured (Maximum applies to combined in and out-of-network benefits) |
| Prescription Drugs | Pharmacy Deductible: $250 per individual (Does not apply to generic); Generic (Oral Contraceptives Included): $15 copay, deductible waived; Preferred Brand (Oral Contraceptives Included): $25 copay after deductible; Non-Preferred Brand (Oral Contraceptives Included): $40 copay after deductible; Calendar Year Maximum (Maximum applies to combined in and out-of-network benefits): Unlimited per individual | Pharmacy Deductible: $250 per individual (Does not apply to generic); Generic (Oral Contraceptives Included): $15 copay plus 50%, deductible waived; Preferred Brand (Oral Contraceptives Included): $25 copay plus 50% after deductible; Non-Preferred Brand (Oral Contraceptives Included): $40 copay plus 50% after deductible; Calendar Year Maximum (Maximum applies to combined in and out-of-network benefits): Unlimited per individual |
| Emergency Room | $100 copay (waived if admitted), 80% coinsurance after deductible | $100 copay (waived if admitted), 80% coinsurance 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 (Aetna will pay up to $200 per exam, Maximum applies to combined in and out-of-network benefits, No waiting period): $20 copay, deductible waived (Includes lab work and X-rays) | 50% after deductible (Age and frequency schedule apply)Well Baby Care: 50% (Age and frequency limits apply) |
| Child Preventative Care | Well Baby Care: $20 copay (Age and frequency limits apply) | 50% after deductible (Age and frequency schedule apply)Well Baby Care: 50% (Age and frequency limits apply) |
| Lab / X-Ray | 80% after deductible | 50% after deductible |
| Maternity | Not covered (Except for pregnancy complications) | Not covered (Except for pregnancy complications) |
| Physical Therapy | Physical/Occupational Therapy and Chiropractic (24 visits per calendar year, Maximum applies to combined in and out-of-network benefits): 80% after deductible (Aetna will pay a max. of $25 per visit, Maximum applies to combined in and out-of-network benefits) | Physical/Occupational Therapy and Chiropractic (24 visits per calendar year, Maximum applies to combined in and out-of-network benefits): 50% after deductible (Aetna will pay a max. of $25 per visit, Maximum applies to combined in and out-of-network benefits) |
| Skilled Nursing | 80% after deductible (in lieu of hospital, 30 days per calendar year, Maximum applies to combined in and out-of-network benefits) | 50% after deductible (in lieu of hospital, 30 days per calendar year, Maximum applies to combined in and out-of-network benefits) |
| Home Health Care | 80% after deductible (in lieu of hospital, 30 visits per calendar year, Maximum applies to combined in and out-of-network benefits) | 50% after deductible (in lieu of hospital, 30 visits per calendar year, Maximum applies to combined in and out-of-network benefits) |
| Mental Health | Not covered except for severe, biologically based mental or nervous disorders and associated treatment of drug and alcohol dependencies | Not covered except for severe, biologically based mental or nervous disorders and associated treatment of drug and alcohol dependencies |
| Hospital Care | Hospital Admission: 80% after deductible, Outpatient Surgery: 80% after deductibleHospital Admission: 80% after deductible; Outpatient Surgery: 80% after deductible; Urgent Care Facility: $50 copay, deductible waived | Hospital Admission: 50% after deductible, Outpatient Surgery: 50% after deductibleHospital Admission: 50% after deductible; Outpatient Surgery: 50% after deductible; Urgent Care Facility: 50% after deductible |
| Optional Benefits | Individual Dental PPO Max Plan | Individual Dental PPO Max Plan |
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