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Aetna – Managed Choice Open Access High Deductible 3000 (HSA Compatible) with Dental – NORTH CAROLINA
A comparison of the Managed Choice Open Access High Deductible 3000 (HSA Compatible) with Dental offered by Aetna is detailed out below for both Network and Non-Network coverage.
| Network | Non-Network | |
|---|---|---|
|
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| Network | See Provider | See Provider |
| Application | Managed Choice Open Access High Deductible 3000 (HSA Compatible) with Dental Application | Managed Choice Open Access High Deductible 3000 (HSA Compatible) with Dental Application |
| Brochure | Managed Choice Open Access High Deductible 3000 (HSA Compatible) with Dental Brochure | Managed Choice Open Access High Deductible 3000 (HSA Compatible) with Dental Brochure |
| Copay | Non-Specialist Office Visit (General Physician, Family Practitioner, Pediatrician or Internist): 100% after deductible (Unlimited visits); Specialist Visit: 100% 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) |
| Office Visit | Non-Specialist Office Visit (General Physician, Family Practitioner, Pediatrician or Internist): 100% after deductible (Unlimited visits); Specialist Visit: 100% 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 | Individual: $3,000, Family: $6,000 | Individual: $6,000, Family: $12,000 |
| Coinsurance | 100% 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: $0, Family: $0 | Individual: $6,500, Family: $13,000 |
| Out-of-Pocket Maximum | Individual: $3,000, Family: $6,000 (Includes deductible) | Individual: $12,500, Family: $25,000 (Includes deductible) |
| 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: Integrated Medical/Rx per individual; Generic (Oral Contraceptives Included): 100% after Medical/Rx deductible; Preferred Brand (Oral Contraceptives Included): 100% after Medical/Rx deductible; Non-Preferred Brand (Oral Contraceptives Included): 100% after Medical/Rx deductible; Calendar Year Maximum (Maximum applies to combined in and out-of-network benefits): Unlimited per individual | Pharmacy Deductible: Integrated Medical/Rx per individual; Generic (Oral Contraceptives Included): 50% after Medical/Rx deductible; Preferred Brand (Oral Contraceptives Included): 50% after Medical/Rx deductible; Non-Preferred Brand (Oral Contraceptives Included): 50% after Medical/Rx deductible; Calendar Year Maximum (Maximum applies to combined in and out-of-network benefits): Unlimited per individual |
| Emergency Room | $0 after deductible | $0 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): $20 copay, deductible waived (Includes lab work and X-rays) | 50% after deductible (Age and frequency schedule apply) |
| Child Preventative Care | $20 copay (Age and frequency schedule apply) | 50% after deductible (Age and frequency schedule apply) |
| Lab / X-Ray | 100% 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 Care: 100% after deductible, Aetna will pay up to $25 per visit max (24 visits per calendar year, maximum applies to combined in and out-of-network benefits) | Physical/Occupational Therapy and Chiropractic Care: 50% after deductible (24 visits per calendar year, Aetna will pay up to $25 per visit max, maximum applies to combined in and out-of-network benefits) |
| Skilled Nursing | 100% 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 | 100% 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: 100% after deductible; Outpatient Surgery: 100% after deductible; Urgent Care Facility: 100% after deductible | Hospital Admission: 50% after deductible; Outpatient Surgery: 50% after deductible; Urgent Care Facility: 50% after deductible |
| Optional Benefits | Managed Choice Open Access High Deductible 3000 (HSA Compatible) with Dental | Managed Choice Open Access High Deductible 3000 (HSA Compatible) with Dental |