HSA-qualified plans are amongst the most popular plans offered by Aetna Life Insurance Company.  These plans usually offer the lowest premiums of any HSA plan in many states, along with many additional benefits not covered by other HSA plans.

The Aetna HIGH DEDUCTIBLE PPO plans are designed to provide you with economic incentives for using designated health care providers (PPO network).  They provide coverage for major hospital, medical, and surgical expenses incurred as a result of a covered accident or sickness.  Coverage is provided for daily hospital room and board, miscellaneous hospital services, surgical services, anesthesia services, in-hospital medical services and out-of-hospital care, subject to any deductibles or other limitations which may be set forth in the policy.

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Supplemental Accident Coverage
The perfect complement to any HSA

Coverage Synopsis

HIGH DEDUCTIBLE PPO - Aetna offers two versions of their HSA compatible plans - Managed Choice Open Access High Deductible 3000 and the Managed Choice Open Access High Deductible 5000.  After you have met your deductible, the Managed Choice Open Access High Deductible 3000 & 5000 pay 100% of all covered expenses.  The Preventative and Hospital Care 3000 pays 20% of covered expenses after the deductible has been met ($5,000.00 total out of pocket maximum, including deductible).  All three plans pay up to $5 million per person...

Dental Optional Rider

For a very minimal cost of $10-20 per insured (less than half the cost of most other dental plans), you can add the Aetna Individual Dental PPO Max dental plan.  The quote system shows rates with and without the dental rider...

Rate Information

All deductible options have a 6 month rate guarantee.

The premium can be paid via quarterly, semi-annual, or annual billing, or a monthly bank draft or credit card.  The bank draft will occur on the premium due date each month.  The initial premium can be paid with a check or credit card.

Additional Coverage

Aetna utilizes varying PPO networks, depending on your state of residence.  You may use Aetna's DocFind to locate Aetna's participating doctors and hospitals, dentists, in addition to Primary Care Physician-referred facilities and vendors where required.  You may obtain covered services from any provider anywhere, but you will pay a higher percentage of the bill for out-of-network expenses.

It is important to note that many non-emergency services require you to obtain pre-authorization before services are rendered.  Receiving this authorization is as easy as making a phone call.  Not doing so can result in your benefits being reduced from 100% to 0%.

Underwriting

Underwriting of your application with Aetna normally takes two to three weeks, though if medical records are ordered it could take longer.

It is standard practice to request a Blood Pressure Inquiry or medical records for all applicants who are currently being treated for or who have recently discontinued treatment for high blood pressure or elevated cholesterol.  Certain conditions may be waivered with a temporary rider (usually for one to two years), or an indefinite rider.

Effective Dates

The earliest your coverage can go into effect is one day after your signed application has been received by Aetna.  You may request an effective date any time as far out as 60 days after you sign your application.

Please note, if you are requesting an effective date of less than 21 days from the time you complete the application, you may not receive notification of your approval until after your effective date.  If you have claims during this period, they will be eligible for coverage if submitted after you have been approved.  Also note that you will be billed starting on your requested effective date, even if you have not yet been notified that you have been approved.  This is very good for someone who does not have any present coverage and would like for their benefits to begin right away.  For those who are already covered, it is suggested that you maintain your current coverage in force until you have received notice from either HSA for America or directly from Aetna that your coverage has been approved and is in force.

HSA Administrators

Your health savings account is totally separate from your health insurance, and you may use any approved bank or trustee as your HSA administrator.  We recommend that you choose one from our HSA administrator page, where you can compare rates and features. 

About Aetna Health Insurance

Formed in 1850, Aetna is one of the nation's leaders in health care, dental, pharmacy, group life, disability, and long-term care insurance and employee benefits.

Aetna is rated "A" (Excellent) by the A.M. Best Company, an independent insurance rating organization. 

HSA for America is an independent authorized Aetna agent.