Aetna POS Health
Insurance Plan Page Summary for Florida
Currently there are three POS plans for the
individual market in Florida. At East Coast Health Insurance we
currently market Avmed,
Cigna, and Aetna which are all the same plan format in that they are POS
plans and they should by definition be more or less the same.
A POS plan is also known as
Point of Service plan is also based on
the basic managed care foundation: lower medical costs in exchange for
more limited choice. Still the POS is different than the HMO or
traditional managed care plans in that even though technically upon
enrollment you are required to choose a primary care physician to
monitor your health care no POS plan in Florida that I know of
actually does this. But essentially you end up choosing one anyways
and here is where the similarities to the HMO usually end in that you
can go to specialists without a referral and even go outside of the
network when your point of service physician (your primary doctor)
gives you the referrals , but then only some compensation will be
offered by your health insurance company. And that compensation
is usually after a significant deductible and then coinsurance plateau
if you opt for the traditional plan, which of course most people do.
So in essence a POS is a marriage of HMO managed care and PPO choices.
In reality in Florida unless you go with Aetna which is the best (and
most expensive depending on your zip code and demographic) you are
losing much of the flexibility of the PPO and not getting the HMO
preventative benefits that make an HMO attractive.
Aetna however still pays for all of your testing and diagnostics as
long as they occur in your doctors office. This can save you a
ton of money and makes them more attractive in my view then the PPO
plans by Humana One in Florida and
Golden Rule or United Health One.
CIGNA and Avmed also fall into that same category. In fact Cigna and Avmed
have zero HMO benefits such as copays for testing, emergency room copays, anything
and everything besides office visits and prescriptions will be applied
toward your deductible and subsequent coinsurance.
The selling point of Avmed and Cigna would then of course have to be price and indeed it is as
these plans especially in South Florida are among the most inexpensive
plans in the area. Aetna again is the most expensive. On the other hand though
Aetna will pay quite a bit more of your medical bills in a given year.
Still though no POS health insurance plan in Florida will ever
leave you with a bill under $1000 in a Florida emergency room due to
their strict deductibles.
This is the reason why East Coast Health Insurance 888-803-5917 is
so set upon either selling the
Vista HMO, the new Coventry PPO, and of
Blue Cross 90 plans (now called 590’s) as they have copays
for most routine things and can save you a ton of a money in a pinch.
As I said though they are not always the most affordable but of course
until we run the quote you can not know for sure unless you are
as knowledgeable about products and demographics as me which most
health insurance agents in Florida can’t even claim. So please
call us for a quote or visit our
Florida health insurance