Health Insurance Product Reviews (BETA)
Major Carriers and High Deductible Health Plans
Vimo Editorial Health Plan Profiles:
- High Deductible 5000 (HSA Compatible)Vimo Editorial Profile
Aetna's High Deductible 5000 plan is another easy-to-understand HDHP. Basically, Aetna will pay 100 percent of covered expenses after you burn through your $5,000 deductible. This means that, in the event of an accident, you won't have to worry about coinsurance or co-payments after you've spent your deductible. Granted, it is a very high deductible. - POS OA HSA 5000Vimo Editorial Profile
Aetna’s Point of Service Open Access 5000 plan, compatible with Health Savings Accounts (HSAs), has low premiums but high out-of-pocket expenses. It’s definitely designed for use with an HSA, with most benefits coming into effect only after you’ve burned through your deductible. There is, however, a $25 copay for preventive health not covered by deductible. There’s no pharmaceutical drug benefit, something that’s standard for an HSA plan. - PPO 2500Vimo Editorial Profile
Aetna ’s PPO 2500 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 a small copay. - PPO 5000Vimo Editorial 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. - PPO 5000 with DentalVimo Editorial 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. - Preventative and Hospital Care 1250Vimo Editorial Profile
A plan with relatively low premiums and a relatively low deductible, Preventative and Hospital Care 1250 is, unlike the similar Preventative and Hospital Care 3000, not compatible with Health Savings Accounts (HSAs). - Preventative and Hospital Care 3000 (HSA Compatible)Vimo Editorial Profile
A plan that’s compatible with Health Savings Accounts (HSAs), Preventative and Hospital Care 3000 has rock-bottom premiums and a high deductible ($3,000). The idea behind the plan is that you sock away $3,000 in pretax dollars in an HSA, which would be spent toward the deductible before benefits kick in.
