Health Insurance Product Reviews (BETA)
Major Carriers and High Deductible Health Plans
Vimo Editorial: Health Plan Profile
Aetna of California has three MC Value Plans, with $1500, $2500 and $5000 deductibles. If you compare these MC Value plans with the standard MC Plans with the same deductibles, you'll notice the Value versions have higher out-of-pocket expenses, along with more "value" in terms of lower premiums.
Of the three, the MC Value Plan 2500 offers nearly identical benefits to the more expensive 1500 plan, but it has a higher deductible and a higher out of pocket maximum. Unlike the less expensive 5000 plan, its coinsurance fee is 25 percent (the 5000 Plan makes you pay 30 percent). It also has a high out-of-pocket maximum that's more than double the deductible. While there's a brand-name prescription drug benefit under the plan, there's also a separate deductible for them.
BEST FOR: Healthy young people looking for coverage of medical emergencies.
PROS: The very low premiums combined with a medium-sized deductible. Another big pro is Aetna itself. Aetna's nationwide network includes more than 684,000 health care professionals, including over 405,000 primary care and specialist doctors and 4,135 hospitals.
CONS: The higher out-of-pocket maximum means you will spend a huge sum before covered services are paid completely by the insurance company. There is also no maternity coverage.
Vimo is committed to an objective, open and comprehensive comparison shopping experience for health insurance buyers, and we welcome suggestions, updates and corrections from consumers and the insurance community.
Health insurance companies modify their offerings quite often. Contact a licensed health insurance agent to learn more about this health plan, any recent changes to it, and to verify that its benefits are currently available in your state.