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Health care basics

An Aetna® plan can make health care easier. It can help you save, too. Use this guide to find money-saving tips, learn how insurance works and understand plan costs.

6 ways to save on your care

Make the most of your health plan

Choose network providers

Doctors, specialists and hospitals in your plan’s network charge lower rates. So your costs are lower, too.

Get preventive care

Yearly checkups and screenings help catch health risks early. And there’s no cost when you stay in network.

Ask about generics

Generic drugs cost less than brand name. They can work just as well, too. Ask your doctor if they may be right for you.

Compare your costs

Know before you go. Use your plan’s cost tools to see what you may pay for office visits, tests and procedures.

Use the ER for emergencies

For other health needs, choose an urgent care center or walk-in clinic. It may save you time and money.

Explore plan extras

Your health plan may include discounts on health and wellness. Using these savings may help you feel your best.

Health insurance terms to know

Premium: A payment you make to a health plan in exchange for coverage. Most people pay a premium every month. 

 

Deductible: The amount you pay for covered care before your health plan starts to pay.

 

Copay: A flat dollar amount you pay at the time you get care. With most plans, you pay this after meeting your deductible. 

 

Coinsurance: A percentage of the cost you pay after meeting your deductible. Coinsurance counts toward your out-of-pocket maximum.

  

Out-of-pocket maximum: The most you can pay for covered care each year. Once you reach this amount, your plan pays for all covered care for the rest of the year.

 

Find more insurance terms

Visit our glossary

Understand your plan costs

See how you and your plan share the cost of care — and why staying in network matters.

How you and your health plan share costs

Your health plan covers many medical expenses. But “covered” doesn’t mean free. With most plans, you pay a portion of your costs. Here’s how it works:

 

First, you pay all your costs

Each year, you pay the full cost of your care until you reach a fixed amount. This amount is your deductible.

 

Next, you and your plan share costs

After you meet your deductible, you share the cost with your plan through:

 

  • Coinsurance. This is a fixed percentage of the charges for covered care, like 20% of $300, or $60.
  • Copays. These are flat dollar amounts, like $25 for an office visit.

 

Then, your plan pays for all costs

There’s a cap or limit on the amount you pay for covered expenses each year. This is your out-of-pocket maximum. Once you reach that amount, your plan pays 100% of covered care for the rest of the year.

How you pay for-in-network care

There are many benefits to in-network care. When you stay in your health plan’s network, you’ll enjoy lower costs and a simpler experience. Here’s how it works:

 

  • You visit your doctor and show your member ID card.
  • You pay nothing at your visit, unless you have a copay.
  • Your doctor files your claims for you.
  • We pay your doctor our agreed-upon rate.
  • Your doctor bills you for any amount you owe.

 

You may need to choose out-of-network care. When you go out of your plan’s network, you may need to pay the full amount of your visit and file your own claims.

Get ready to choose a plan

Help is here to compare your options, look at costs, check your doctors and explore plan extras before you enroll.

Enrollment tips

Legal notices

Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna). Health insurance plans are offered and/or underwritten by Aetna Life Insurance Company (Aetna).

Health benefits and health insurance plans contain exclusions and limitations.

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