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Additional Details
W... |
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GC | What health insurance is better, Aetna or Bluecross Blueshield? |
I have BCBS and thinking about switching to Aetna. Just want to know what is the best choice. Thanks! |
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Buffalo
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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. |
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ebuythismobile
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yes poeple appreciate aetna more |
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President, www.HSAInside.com
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You have picked three top companies- the major difference will be "your needs" plan designs and ultimately premiums offered. You might also want to consider United Health |
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alcoh71
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This depends on the plans you have to choose from and your needs. Aetna and Bluecross in your area may offer several plans each. Drill down and look at the monthly premium as well as the percentage of payment offered for doctors visits, hospital stays, prescription drugs etc... Keep a close eye on the in-network vs. out-of-network costs. Are your doctors in the network of one but not the other? Would you switch providers to in-network ones if yours were outside the plan?
Also, keep in mind that if you use out-of-network services, terms like "out-of-pocket maximum" usually don't apply... meaning there is on cap to the amount you could spend for healthcare out-of-network. This is because the insurance plan pays what it considers is the usual or reasonable and customary charge for a service. Your provider may charge more than this and this amount is not calculated in your out-of-pocket maximum |
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old school
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From a provider perspective, I found Aetna to be better. No one on this site can tell you which is better for you. You have to make that decision. |
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Snuz
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I switched from BC to Aetna because it's a lot cheaper. If you're pretty healthy i think it's a good choice. The only thing is they raise the premium out of nowhere. |
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