![]() ![]() Types of Aetna Healthcare Insurance Plans The same as for marketplace benefits but not eligible for subsidies.What’s the Difference Between Aetna CVS Health Marketplace Plans and Off-the-Marketplace Plans? In general, plans with lower monthly premiums have higher deductibles and plans with higher monthly premiums have a lower deductible. Also, some plans have separate deductibles for services like prescriptions. Unfortunately, Aetna does not offer platinum plans at this time.Īll Marketplace plans pay the total cost for certain preventive benefits before you even reach your deductible. Deductibles are very low and the split is 90/10 with you paying the 10%. Platinum: Platinum plans have the lowest costs for care but also the highest premiums.The split is 80/20 with you paying the 20%. Gold: On a gold plan, you will have a relatively high monthly premium but lower costs for care than bronze or silver.Deductibles are usually lower than on the bronze plan and the cost is split 70/30, with the company paying 70%. Silver: If you choose the silver plan, you’ll have a moderate premium and costs when you need care.Deductibles on a bronze plan may be thousands of dollars per year. You will pay 40% of your costs and the company pays 60%. Bronze: The bronze plan has the lowest monthly premiums and the highest costs if you need care.Each plan is assigned what is known as a metal tier: In addition, based on your income, your premium may be reduced. They have nothing to do with the quality of care you’ll receive. ![]() These levels are based on how the costs are split between you and the company. There are 4 levels of Healthcare Marketplace plans. Some offer extras like dental and vision. Aetna Healthcare Insurance Plans Aetna CVS Health ACA PlansĪll ACA plans are required to cover 10 essential benefits like preventive care, hospitalization, and mental health services. Companies that are part of the ACA marketplace are required to cover mental health conditions and substance use disorders. The Affordable Care Act was passed in 2010 and helps people find and purchase health insurance in their area. This law applies to most employer-provided plans and individual plans purchased through the federal and state health exchanges. Health insurance companies are required to provide coverage equal to the medical/surgical coverage in the plan.Ī survey conducted by the American Psychological Association (APA) revealed that nearly 90% of Americans had never heard of the MHPAEA. The purpose was to keep group health plans and insurance companies from limiting the benefits for mental health or SUDs. The MHPAEA is a federal law that was passed in 2008. The two laws that help make this possible are: The Mental Health Parity and Addiction Equity Act (MHPAEA) Regardless of which condition appeared first, both disorders need to be treated at the same time when co-occurring together. This is considered a co-occurring disorder, also known as a dual diagnosis. The Journal of the American Medical Association (JAMA) reported that 37% of alcohol abusers and 53% of drug abusers also have at least one serious mental illness. Many people who become dependent on drugs or alcohol start misusing substances as a way to medicate themselves from the effects of their mental condition. ![]() This coverage is important because if you have a SUD, there is a good chance that you have a co-occurring mental condition. Why is Coverage for Mental Health and SUDs Important?
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