Comprehensive Comparison: Aetna vs. Anthem Health Insurance Plans
Aetna and Anthem are major medical insurance providers offering various coverage options. Both companies feature health insurance plans for individuals, families, and employers. Both providers offer behavioral health and mental health care services. Aetna and Anthem offer different customer plans and options, but navigating their similarities and differences can be challenging. Resurgence can help patients learn how Aetna vs Anthem differ in insurance coverage for rehab.
Choosing between health insurance companies can be difficult, so Resurgence has done its homework to help clients understand what each customer offers. Every client has different needs, so it’s important to assess medical insurance providers and their plans based on individual needs. Which provider is best for you is only something you can decide for yourself.
Resurgence Behavioral Health is a leading addiction treatment center that accepts Aetna and Anthem health insurance plans. How much coverage clients can expect from their plan depends on the plan they have. If you have these or other medical insurance plans, you can contact Resurgence for our assistance finding insurance for addiction treatment. We can help you determine how much cover you are entitled to based on your plan’s particulars. Although you can contact the company, you can easily rely on Resurgence and our insurance specialists to find out the information you need before enrolling for treatment.
Addiction Treatment that
Just Works
Individualized treatment programs delivered in a comfortable, relaxed setting promote healing in your recovery journey.
Understanding the Basics: Aetna and Anthem Health Insurance Plans
Aetna Insurance is a subsidiary company of CVS Health. It is one of the largest health insurance providers in the nation. In addition to medical insurance, Aetna offers vision, dental, and supplemental health insurance. Aetna also features a vast network of hospitals, doctors, and medical specialists. Some of Anthem’s plans include HMO, PPO, and SNP.
Like Aetna, Anthem is also a large insurance provider. The company operates under various names such as BlueCross BlueShield. Anthem also offers vision, dental, and supplemental health insurance. It has a large network of hospitals, specialists, and doctors like Aetna. Anthem offers plans that include HMO, PPO, and SNPs.
Both companies feature Medicaid and Medicare plans and many different coverage options. While Aetna’s plans are available in more states, Anthem has more in-network providers. Before choosing one insurance company over another, assessing each company’s plans, costs, and specific coverage options is important.
Cost Analysis: Aetna vs. Anthem Cost Comparison
Cost is a major factor for people when choosing which insurance provider to contract. The cost of health insurance varies in association with many different factors. Pricing for insurance plans also fluctuates over time. Customers should examine premiums for each company’s plans and deductible amounts. The cost of co-payments and supplemental insurance may also impact plan choice. Customers should find out about limits on out-of-pocket expenses and plan limits before making a choice. The cost of services in and out of the network may also impact decision-making.
Provider Networks: Aetna and Anthem’s Provider Network Size
Both Aetna and Anthem have substantial networks of hospitals, health clinics, doctors, and specialists. Aetna currently features 1.2 million network providers while Anthem boasts 1.7 million. In-network services are more affordable, so many customers may find network size to be an important factor when choosing a medical insurance company. Some consumers may wish to find out if their favorite doctors or medical facilities are network members before they choose their insurance plan.
Addiction Treatment that
Just Works
Individualized treatment programs delivered in a comfortable, relaxed setting promote healing in your recovery journey.
Health Insurance Premiums: Comparing Aetna and Anthem
Aetna and Anthem premiums vary by many different factors. These factors include:
- Location
- Age and health status
- Plan type
- Coverage level
- Network
Rates also depend on where you purchase the coverage. For instance, Anthem sells its insurance through more than 30 local companies. Consequently, costs can vary considerably from one region to another. In addition to insurance premiums, customers should consider coverage limits when assessing which plan to purchase.
Coverage Details: Health Insurance Rehab Coverage Under Aetna and Anthem
Today, most health insurance providers offer coverage for addiction treatment. This coverage usually extends to both inpatient and outpatient treatment. The passage of the Affordable Care Act improved the amount of insurance coverage for substance abuse treatment. Companies wanting to sell their plans on the marketplace must meet at least minimum behavioral health and mental health coverage thresholds. Companies that do not meet the minimum levels of coverage cannot sell their plans on the federal exchanges.
Even so, coverage amounts and details vary from one insurance provider and plan to another. That’s why it’s important to research multiple plans before making a selection. Plans can differ tremendously with their coverage limits for rehab addiction treatment. If you’re shopping around for insurance plans now, ensure you know how much coverage each plan offers for inpatient treatment, outpatient treatment, and aftercare.
Exploring In-Network Providers Aetna vs. Anthem
Customers save more on their medical costs when choosing services from an in-network provider. If your rehab, for instance, is out of your provider’s network, you can expect to pay more than if you choose an in-network provider. If you have an addiction treatment center in mind, find out if it is within Aetna’s or Anthem’s network. Sometimes, you cannot count on your insurance provider to cover out-of-network rehab treatment. Always be sure you understand coverage amounts and limits before selecting a plan. Since both Aetna and Anthem have substantial networks, most customers find their plans to be comparable. Nevertheless, plans can also differ widely in their coverage details.
Access to Mental Health and Addiction Recovery Services: Aetna vs. Anthem
If you need access to mental health and addiction recovery services, you should evaluate Aetna and Anthem’s insurance plans. Both companies offer mental and behavioral health treatment. Both companies offer plans that cover inpatient and outpatient treatment. However, pay attention to limits, co-payments, and deductibles when choosing.
Addiction recovery services are available in many different forms. What will each plan cover in terms of addiction treatment? Some plans may only cover up to 15 days of inpatient treatment; others may cover substantially more. If you have questions about mental health and addiction recovery insurance coverage, you should call prospective companies to find out details. If you aren’t comfortable asking these companies about rehab coverage, you can contact Resurgence for assistance.
Addiction Treatment that
Just Works
Individualized treatment programs delivered in a comfortable, relaxed setting promote healing in your recovery journey.
Making an Informed Decision Between Aetna and Anthem
Are you ready to choose between Aetna and Anthem for your medical insurance plan? Both companies are large and operate in many different regions of the country. Both companies offer multiple plan types and various coverage amounts. Both companies also have large networks. Listing the pros and cons when evaluating each company and its plans may be helpful.
Of course, once you select a company, you’ll need to choose a specific insurance plan. What type of plan will you choose? Some plans offer more choice of providers but have more expensive premiums. Determine your needs first to choose a plan that best suits them and your budget.
If you have questions or need help making an informed decision about health insurance, contact Resurgence Behavioral Health today or call 855-458-0050. Let our insurance specialists help you navigate the often-confusing arena of insurance plans so that you can get the coverage you need.
