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Aetna – Managed Choice Open Access First Dollar 25 – COLORADO
A comparison of the Managed Choice Open Access First Dollar 25 offered by Aetna is detailed out below for both Network and Non-Network coverage.
| Network | Non-Network | |
|---|---|---|
|
||
| Network | See Provider | See Provider |
| Application | Managed Choice Open Access First Dollar 25 Application | Managed Choice Open Access First Dollar 25 Application |
| Brochure | Managed Choice Open Access First Dollar 25 Brochure | Managed Choice Open Access First Dollar 25 Brochure |
| Copay | Non-Specialist Office Visit- $25 copay, Specialist Visit- $35 copay | Non-Specialist Office Visit: 50% after deductible, Specialist Visit: 50% after deductible |
| Office Visit | Non-Specialist Office Visit- $25 copay, Specialist Visit- $35 copay | Non-Specialist Office Visit: 50% after deductible, Specialist Visit: 50% after deductible |
| Deductible | Individual: $0, Family: $0 | Individual: $5,000, Family: $10,000 |
| Coinsurance | 75% 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: $6,000, Family: $12,000 | Individual: $7,500, Family: $15,000 |
| Out-of-Pocket Maximum | (Deductible included) Individual: $6,000, Family: $12,000 | (Deductible included) Individual: $12,500, Family: $25,000 |
| Lifetime Maximum | $5,000,000 (Maximum applies to combined in and out of network benefits) | $5,000,000 (Maximum applies to combined in and out of network benefits) |
| Prescription Drugs | Pharmacy Deductible per Individual (does not apply to generic)- $250. Generic (Oral Contraceptives included)- $15 copay deductible waived. Preferred Brand Name (Oral Contraceptives included)- $25 copay after deductible. Non-Preferred Brand (Oral Contraceptives included)- $40 copay after deductible. Calendar Year Maximum per Individual (Maximum applies to combined in and out of network benefits)- Unlimited. | Pharmacy Deductible per Individual (does not apply to generic)- $250. Generic (Oral Contraceptives included)- $15 copay plus 50% deductible waived. Preferred Brand Name (Oral Contraceptives included)- $25 copay plus 50% after deductible. Non-Preferred Brand (Oral Contraceptives included)- $40 copay plus 50% after deductible. Calendar Year Maximum per Individual (Maximum applies to combined in and out of network benefits)- Unlimited. |
| Emergency Room | $100 copay (waived if admitted) 75% coinsurance | $100 copay (waived if admitted) 75% coinsurance |
| Adult Preventative Care | Annual Routine Gyn Exam (Annual Pap/Mammogram)- $0 copay. Preventive Health (Routine Physical) (Aetna will pay up to $200 per exam)- $25 copay. | 50% after deductible (Age and frequency schedule apply). |
| Child Preventative Care | $25 copay (Age and frequency schedule apply). | 50% after deductible (Age and frequency schedule apply). |
| Lab / X-Ray | 75% | 50% after deductible |
| Maternity | Not covered (except for pregnancy complications) | Not covered (except for pregnancy complications) |
| Physical Therapy | Physical/Occupational Therapy and Chiropractic- 75% ($25 Max per visit- 24 visits per calendar year, Maximum applies to combined in and out of network benefits). | Physical/Occupational Therapy and Chiropractic- 50% after deductible ($25 Max per visit- 24 visits per calendar year, Maximum applies to combined in and out of network benefits). |
| Skilled Nursing | 75% (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 | 65% (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: 75%, Outpatient Surgery: 75% | Hospital Admission: 50% after deductible, Outpatient Surgery: 50% after deductible |
| Optional Benefits | Individual Dental PPO Max Plan | Individual Dental PPO Max Plan |