Myrtle Said:

Which is better? Aetna or Cigna health care?

We Answered:

I work for a dental office and from my experience they both are pretty good as long as they are PPO plans. They usually pay 100% for any cleaning, xrays, exams, so you don't pay anything! If you have to do fillings they pay 80% and you would pay 20% plus any deductible you have for the year (usually around 50). The rest of the work is usually covered at 50%. This is much better than paying for the full treatment!

My preference is Aetna PPO but they both are good!

Jonathan Said:

What health insurance is better, Aetna or Bluecross Blueshield?

We Answered:

I'm an insider (supervisor at a big health ins co). Here's what most people don't know. The carrier has little to do with anything. Most accounts are ASO now (administrative services only). This means that your company has a bank account that claims are paid out of. They set the benefits, etc. Then they pay a company like one of the above (and no, I don't work for any of these) to process claims, provide customer service, contract providers, etc.

The insurance company doesn't make decisions... they just implement the rules specified by the company who has contracted them.

Thus, read the plans for all three. Determine what you need, how much you will use it, what you'll use it for, etc. Realize that for people with major illnesses, often managed care (copay-based plans) end up costing more than PPO-type plans (deductible-based) because, as soon as the out-of-pocket is met, you don't pay for any more services.

As I said, this varies by plan. So, do your homework and you'll make the right decision and save money.

Anyone who says premiums are cheaper with one company or another is speaking from their experience at their company. Insurance companies managing ASO accounts don't collect premiums. When you pay a premium, you're making a deposit into the account that your company has its claims paid from. Thus, you're paying your employer, not your health insurance company.

Jorge Said:

Which health insurance is better Aetna or blue cross?

We Answered:

Blue Cross

Ben Said:

Does aetna better health insurance cover weight loss surgery/gastric bypass surgery?

We Answered:

health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.

Margaret Said:

does aetna better health pay for weight loss surgery/gastric bypass surgery?

We Answered:

One way you can find out is to contact a Customer Service represntative for your insurance company to see if they can tell you who to talk to in order to find out if the surgery is covered.

Sometimes you can even check with the employer if they know (if you do ask them you can say something like you were needing to know this for one of your immediate family members that needs the surgery).

Rodney Said:

What is better health insurance? Blue Cross Blue Shield or Aetna? I live in Florida.?

We Answered:

Medical Discount Plan
ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services.

Individual & Family Health Plans
This is a major health insurance plan for individuals and families. If you are looking for comprehensive long term health insurance coverage for yourself and/or your family members who are 62 years old or younger - this is the plan to choose.

Short Term Medical Plans
This plan is ideal for individuals in transition. Maybe you have just graduated from college and are no longer covered under your student health insurance or you moved out on your own, and you're no longer covered under your parents' medical insurance plan. Or perhaps you're employed part-time, going to school, leaving home for the first time, or even retiring early. Maybe you've found a new job, but your new employer's group health insurance plan won't kick in until you've been with months.

My suggestion is trying to absorb as much information as you can before making up your mind,here    www.HealthInsuranceIdeas.info    is a good one.

Ronald Said:

is AETNA a good health insurance to get?

We Answered:

It's hard to say if Aetna is offering a good plan. Aetna themselves is a great company! It depends on the package that you're being offered. Aetna could offer 100 different plans. You need to look at what the plan covers, your deductible, your out of pocket maximum. That will tell you if it's a good plan.