About Aetna
Aetna, owned by CVS Health, is one of the oldest and most reputable health insurance companies in the U.S. It was founded in the 1800s as a life insurance company and has since become a significant player in the health insurance industry. Aetna is known for its diverse plan options, competitive pricing, exclusive member benefits, extensive network of healthcare providers, and nationwide accessibility. These features make it popular among individuals and families seeking reliable, affordable health insurance services.
Aetna serves over 39 million customers, helping them make well-informed decisions about their healthcare treatments and expenses. Aetna is also committed to promoting mental health care. It offers comprehensive behavioral health coverage to employers, including access to telehealth/virtual counseling services, employee assistance programs, and resources to support mental well-being among its members.
Exploring Aetna's coverage
Aetna is known for its reasonable overall customer satisfaction with its Affordable Care Act (ACA) plans, which have won awards in several regions. In addition, the company offers extra discounts and same-day care through its partnership with CVS pharmacies.
One of the notable features of Aetna's offerings is its broad coverage, which includes ACA plans in twelve states and Medicare Advantage Availability in nearly forty-seven states. Aetna provides various healthcare plans to cater to different needs.
- Dental insurance
- Medicare plans, also including prescription drug plans and Medicare Advantage
- Vision insurance
- Employer health insurance
- Individual ACA plans
- Accident and critical illness coverage
Per the ACA guidelines, Aetna covers essential services, including preventive care, ambulatory services, hospitalization, mental health care, laboratory services, prescriptions, emergency services, maternity care, and chronic disease management.
Aetna International Health Insurance
Aetna offers several award-winning international health insurance plans for people moving to other countries. Their international policies provide up to $5 million in protection and are valid in Canada, Mexico, Germany, France, India, Spain, Italy, Thailand, Turkey, Japan, and Dubai.
Some noteworthy features of Aetna's international plans include 24-hour assistance, inpatient and day-care treatment, outpatient treatment for up to 90 days, rehabilitation services for up to 120 days, emergency medical evacuation, emergency maternity care, and emergency dental and optical treatment. They also offer annual and short-term cover for their policyholders.
Aetna's international health insurance distinguishes itself from travel or holiday insurance by providing broader and longer-term coverage. Travel insurance typically caters to single trips or shorter durations, often including non-medical risks like cancellations and lost luggage.
On the other hand, Aetna's international health insurance extends coverage to individuals residing or working outside their home country for a year or more. In addition to covering medical expenses and providing access to healthcare professionals, their plans also encompass medical and emergency evacuations.
Navigating insurance pricing: Four crucial terms you should know
To find a health plan that fits your budget, you must start by understanding the costs involved, including premiums, deductibles, coinsurance, and copayments. Below is a detailed explanation of the insurance jargon:
- Premium: If you want to keep your insurance plan active, you need to pay a specific amount set by the insurer every month. This amount is known as the premium. If you buy a health plan that demands higher premiums, your deductibles and copays will be much lower. In contrast, lower premiums usually lead to higher deductibles and copays.
- Deductible: Before your insurer starts paying for the covered healthcare costs, you must meet the deductible amount. Let us understand with an example. Assume that your deductible is $1200. During your doctor's visit, you must undergo a diagnostic test that costs $1500. So, you will pay $1200 out-of-pocket, while your health plan will cover the remaining $300.
- Coinsurance: After meeting your deductible, your out-of-pocket expenses will be in the form of coinsurance. You must pay a percentage of the covered healthcare expenses for the remaining year while your insurer covers the rest. So, if your recent medical bill is $300 and your coinsurance is 10%, you will only pay $30. Your healthcare plan will cover the rest of the $270.
- Copayment: Copayment, or copay, is when you pay flat fees for certain medical services, such as doctor's visits and prescription refills, as fixed by your health plan.
If you want details on any other insurance jargon besides those mentioned above, refer to the guide prepared by Zocdoc.
Who is a dentist?
Dentists are certified doctors specializing in preventing, managing, and treating oral conditions affecting the teeth, gums, and mouth. Dentists are skilled at extracting teeth, repairing cracked teeth, whitening, filling, and bonding teeth. In addition, they can fill cavities, treat gum diseases such as gingivitis, and place crowns and veneers. One of the most crucial responsibilities of the dentist is to promote good oral hygiene and reduce the risks of oral diseases.
Dentists can even detect early symptoms in the mouth that indicate a health condition in a different body part. They can effectively recognize health cases that require immediate dental specialists' referral for optimum patient care and treatment.
What are the most common dental issues?
Prevent dental issues by brushing twice, flossing daily, eating healthy, and getting regular check-ups. The most common dental hygiene issues include:
- Bad breath or halitosis is an awkward problem that affects many people; most of the time, an underlying dental condition is responsible for causing it. It can be because of gum disease, cavities, oral cancer, dry mouth, or bacteria on the tongue.
- Cavities or tooth decay is the second most common dental problem in the United States. It occurs when plaque on the teeth combines with sugar, starch, and bacteria. The resulting product produces acids that attack the tooth enamel. Dry mouth, aging, and normal enamel erosion can cause cavities.
- An infection of the gums, gum disease, or periodontal is the leading cause of adult tooth loss. Its symptoms include bad breath, swollen and bleeding gums, sensitive teeth, and chewing pain. Diabetes, dry mouth, and smoking are significant risk factors.
- Oral cancer is a severe and deadly condition commonly occurring in people aged 40 and above. It is often curable if diagnosed and treated in the earlier stages. Smoking or chewing tobacco, alcohol abuse, and human papillomavirus (HPV) infection are the most prominent risk factors. Standard mouth or throat cancer symptoms include sores, lumps, or difficulty chewing or moving your tongue or jaw.
- Mouth sores can be of many types and are very bothersome. Unless they last more than two weeks, they are not a significant cause of concern. Different types of mouth sores are canker sores (triggered by varying causes), fever blisters or cold sores (caused by Herpes simplex virus), and thrush (caused by yeast infection).
- Tooth erosion is caused when acid attacks the enamel, resulting in the loss of tooth structure.
- Tooth sensitivity is another common issue that involves pain and discomfort from sweets, cold air, hot or cold beverages, and ice cream.
- Toothaches and dental emergencies can be caused by broken or cracked teeth, abscess (pus) in the teeth, or accidental tooth loss.
How do you find the best Aetna dentist near you in Philadelphia, Pennsylvania?
An in-network dentist can save you money if you have a health plan. A trusted dentist will care for your teeth, offer proper advice, and teach best practices for oral hygiene. But how do you find such qualified dentists from the comforts of your home? The answer is simple: Log in to Zocdoc.
With Zocdoc, you can easily find the best and most experienced dentists in Renton, Washington, who are most suited to your dental care requirements. So, create a free account on Zocdoc. Next, choose your specialty or condition, location, date, and insurance plan. A comprehensive list of doctors based on your search criteria will appear. If you have insurance, include your insurance carrier's name in the search, and the website will show you the best dentists who accept your plan.
You can use our insurance detector feature if you cannot find your health plan. To do so, go to your account settings and upload a clear photo of your insurance card. Zocdoc will scan it and display your likely plan. You can feed the information in the search bar and continue your search for in-network providers. Whether you are facing trouble uploading your insurance card, want to learn more about our data and privacy policies, or have any other related queries, you can find all answers on our patient help center page.
At Zocdoc, we believe in long-term, trustworthy patient-doctor relationships. All of the Aetna dentists near you have unique profiles. You can read about their educational qualifications, board certifications, clinical interests, expertise, experience, and spoken languages.
Thanks to our updated and verified patient reviews, user ratings, and provider profiles, you can make an informed decision when choosing a dentist. You can even perform an area-specific search on Zocdoc to locate a licensed dentist near you. You can filter all the search results by gender if you want female or male dentists in Philadelphia, Pennsylvania.
You can also book video appointments on Zocdoc before an in-person visit to better understand the best Aetna dentist near you. Look for a purple video icon on dentists' profiles or filter the video appointment selection. Now, you can book appointments with dentists near you who accept your insurance plan in real-time. All bookings on Zocdoc are simple, secure, and free!
Statistics on health insurance coverage in Philadelphia
According to data on the Aetna website, about 39 million people have enrolled in Aetna insurance products.
In 2018, the most recent year for available data, just over 7% of Philadelphia residents—equivalent to 116,000 people—lacked health insurance. This figure is nearly half as high as in 2010, when the U.S. census first began tracking these numbers, with about 225,000 people being uninsured then. The proportion of individuals without health insurance has decreased by about 5.2 percentage points since 2014, primarily due to the state's decision to expand Medicaid eligibility under the Affordable Care Act. Effective January 2015, Pennsylvania households with incomes up to around 138% of the federal poverty line became eligible for medical assistance, broadening coverage beyond those living below the poverty line.
Sources
Aetna[1]
Aetna[2]
Aetna[3]
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aetnaCVSHealth
VerywellHealth
WebMD
Maine Dental Association
Investopedia
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The Pew Charitable Trust
