Call 800.884.2343 or
541.434.9613
FAX - 541.284.2994
General Information: Index | Exclusions & Limitations | Locate Providers | Electronic Application
Benefit Schedules: PPO 1000 | PPO 1500 | PPO 2500 | PPO 5000 | PPO Value 2500
Benefit Schedules: High Ded 3000 | High Ded 5000 | First Dollar 35 | Prevent/Hosp Care 1250 | Prevent/Hosp Care 3000
Arizona Health Insurance > Aetna > General Information
Quote & Apply - Electronic Application
How to select a health insurance plan that fi ts your needs
Perhaps you’ve just left an employer’s group plan. Or you’re looking for an option other than COBRA. Or you’re not currently insured. Or maybe you’ve just received another big rate increase from another insurer and you’re looking for something more affordable.
Whatever your situation, Aetna is here to help. We can offer a few tips to help you choose the right plan for your unique situation and priorities. This chart may be a good starting point for you…
| IF YOU… | CONSIDER… |
| Are looking for an affordable policy with low monthly payments… | PPO 5000, PPO High Deductible 5000, Preventative and Hospital Care 1250 or 3000 |
| Use only basic health care services and want to keep your monthly payments low… | Preventative and Hospital Care 3000. |
| Don’t want to pay a lot for frequent doctor visits for you and the kids… | PPO 1000, PPO 1500, First Dollar PPO 35 |
| Want a balance of low monthly payments and quality coverage… | PPO 1500, PPO Value 2500, PPO 2500 |
| Want to cap the amount you’ll spend on total medical expenses each year… | PPO 1000, PPO 1500, PPO Value 2500, First Dollar PPO 35 |
| Want a plan that works with a tax-advantaged Health Savings Account | PPO High-Deductible 3000 or 5000, Preventative and Hospital Care 3000 |
| Think that robust coverage is more important than the lowest possible cost… | PPO 1000, First Dollar PPO 35 |
| Want to add dental coverage to | Dental PPO Max |
A few things to keep in mind
- Generally speaking, the lower your “premiums,” or monthly payments, the higher your “deductible,” which is the amount you pay out of pocket before the plan begins paying for expenses. (Lower premiums also mean a higher “copay,” which is the amount you pay out-of-pocket at doctor visits, hospital stays, etc.)
- The lower your deductible (some plans have no deductible at all, which means they begin paying immediately), the higher your monthly premiums will be.
- You’ll pay less by using “in-network” doctors, hospitals, pharmacies and other health care providers who participate in Aetna’s vast nationwide network than by using “out-of-network” doctors.