Health Insurance Product Reviews (BETA)
Major Carriers and High Deductible Health Plans

Vimo Editorial: Health Plan Profile

Aetna ’s PPO 5000 plan offers excellent coverage for a high-deductible plan, even delivering benefits for non-specialist doctor visits beforeyou’ve spent more than your deductible. In other words, after your plan goes into effect, you can have a standard doctor visit for just a $40 copay. Visiting a specialist is $50.

BEST FOR: Someone looking for the lowest monthly payments they can find, and is willing to pay a very high deductible, out-of-pocket maximum, and office visit copays in return.

PROS: A big pro is Aetna itself. Aetna of Ohio received a rating of “Excellent Accreditation” for its commercial products from the National Committee for Quality Assurance (NCQA), a private, independent organization that rates health plans based on quality, access and service and wellness programs. The excellent rating is the highest distinction a health plan can receive, and is granted to plans that meet or exceed NCQA's standards for quality improvement and consumer protection.

CONS: A lack of maternity coverage may mean that the plan won’t appeal to many young women. The deductible is awfully, awfully high as well, particularly for a plan that isn’t compatible with Health Savings Accounts (HSAs).