Medicare is intended to lower health care costs significantly for people with limited resources and income. It is a joint federal and state program available for those who meet the qualification criteria.
Aetna offers the following Medicare insurance plans:
- Medicare Advantage (Part C) plans
- Dual Special Needs (D-SNP) plans
- Prescription Drug (Part D) plans
- Medicare Supplement insurance (Medigap)
Who Qualifies for Medicare?
Medicare is for United States residents who have lived in the US for at least five years and are at least 65 years old. However, people under 65 also qualify if they have specific disabilities or diagnoses. For qualified individuals with disabilities, Medicare becomes available after first receiving 24 months of Social Security disability benefits.
Aetna offers employer-sponsored health care plans. In these types of programs, the employer will share the cost of health insurance premiums, though percentages of the amount covered will vary by the employer. The Affordable Care Act made it mandatory for businesses with more than 50 full-time employees to provide health insurance. As a result, these are currently some of the most common health insurance plans.
Due to the rising cost of health care, many individuals seek to maintain full-time employment largely due to the benefits of employer-sponsored insurance. Most employers offering health insurance will have different tiers of plans to choose from. Additionally, Aetna strives to make the sign-up process simple for employees.
Student health insurance is highly beneficial to college students during a time when there are numerous costs associated with tuition and fees. Colleges offer insurance plans at a lower cost to students than typical health insurance plans. Since Aetna participates in student health plans, their benefits often provide better coverage than family plans.
Medicaid is a federal and state program for people with limited income, special needs, or a disability. The major difference between Medicaid and Medicare is that Medicaid is typically offered to individuals younger than 65 who meet qualifications. This is low-cost insurance for those who need it most. As an Aetna rehab in Florida, many of our clients have been able to use Medicaid to cover life-changing treatment at Ambrosia Treatment Center.
Who Qualifies for Medicaid?
Since Medicaid eligibility is determined by the state of residence, requirements differ depending on location. Therefore, each state will consider the family size, income level, and circumstances limiting a person’s resources.
The following group of individuals may qualify for Medicaid:
- Pregnant women
- Senior citizens
- People with a disability
- Those in a low-income household (eligibility per state)
Aetna offers individual and family plans through the ACA Marketplace during open enrollment. For people with qualifying life events, insurance may be accessible outside of the open enrollment window.
Aetna offers plans that cover preventive care, in-network walk-in clinic visits, and virtual care at no additional cost to the consumer. These plans are for people not using insurance plans through their employers and not enrolled in government-run health insurance programs.
Does Addiction Treatment Raise Insurance Premiums?
Aetna does not raise member premiums when a person uses their coverage for addiction treatment. Thankfully, it is unlawful for insurance providers to do this. Furthermore, Aetna recognizes that addiction is a serious medical condition that requires proper care.
Does Aetna Cover Additional Rehab?
Those with Aetna insurance don’t have to worry that rehab won’t be covered if they need it again. Overcoming substance use disorders can be very difficult, depending on the substance and circumstances. We understand this, and our insurance providers like Aetna do as well. They also cover aftercare programs and outpatient care.