Is Aetna Select Open Access a PPO?

Asked by: Tommie Block  |  Last update: February 11, 2022
Score: 4.9/5 (10 votes)

The Aetna Open Access Plan is an HMO that gives members more freedom. Members can visit any in-network provider (PCP or specialist) for covered services without a referral. * You can find Aetna network providers by using our provider search tool.

Is open access a PPO or HMO?

If your employer offers Cigna's Open Access plans, you're in luck: Open Access is a PPO plan, so you continue with your current caregivers if you choose.

Is Aetna a PPO?

With the Aetna Open Choice ® PPO plan, members can visit any provider, in network or out, without a referral. But when they stay in network, we'll handle the claims and offer lower, contracted rates.

What kind of plan is Aetna select?

The Aetna Select plan is for multi-site, self-insured customers who want a managed care plan in every sense of the word: in-network coverage, PCP selection and specialist referrals. Where all care takes place exclusively in a network designed to keep costs in check.

How do I know which Aetna plan I have?

The best place to find details about your coverage and benefits is your secure member website. It takes only a few minutes to register. And you only need your member number, which is on your Aetna ID card. You can still get benefits and coverage information by calling the number on your ID card.

What’s the difference between an HMO, a POS, and a PPO? | Health care answers in 60 seconds

38 related questions found

What is a PPO plan?

A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You can use doctors, hospitals, and providers outside of the network for an additional cost. ...

What is difference between HMO and PPO?

What Is the Difference Between an HMO and a PPO? ... With an HMO plan, you must stay within your network of providers to receive coverage. Under a PPO plan, patients still have a network of providers, but they aren't restricted to seeing just those physicians. You have the freedom to visit any healthcare provider you wish.

What is a open access plan?

Open access is a type of health insurance plan that allows policyholders to see other medical professionals in the plan's network without first having to obtain a referral from a gatekeeper such as a primary care physician.

Is Open Access Plus the same as PPO?

To the consumer there is no difference between a PPO and an Open Access POS plan - both plans allow you direct access to physicians with no referals and services received in network will be reimbursed at a greater benefit level.

What does Aetna PPO mean?

PPO: The plan with the most freedom

A Preferred Provider Organization (PPO) has pricier premiums than an HMO or POS. But this plan allows you to see specialists and out-of-network doctors without a referral.

Why would a person choose a PPO over an HMO?

Advantages of PPO plans

A PPO plan can be a better choice compared with an HMO if you need flexibility in which health care providers you see. More flexibility to use providers both in-network and out-of-network. You can usually visit specialists without a referral, including out-of-network specialists.

Do doctors prefer HMO or PPO?

PPOs Usually Win on Choice and Flexibility

If flexibility and choice are important to you, a PPO plan could be the better choice. Unlike most HMO health plans, you won't likely need to select a primary care physician, and you won't usually need a referral from that physician to see a specialist.

What is the difference between a PPO and a POS?

In general the biggest difference between PPO vs. POS plans is flexibility. A PPO, or Preferred Provider Organization, offers a lot of flexibility to see the doctors you want, at a higher cost. POS, or Point of Service plans, have lower costs, but with fewer choices.

Is PPO a gatekeeper or open access?

With a PPO, there is no gatekeeper, there is no referral process for services, and no provider limitations or restrictions. In fact, you are not even required to establish a primary care provider before seeing a specialist—likely reducing unnecessary visits.

What does open network insurance mean?

HMO plans with open access networks

Healthcare.gov defines it as “A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency.

Does Aetna Medicare Open Access HMO need referral?

Aetna Medicare HMO plans with open access

Patients are encouraged, but not required, to choose and use a participating PCP. PCP referrals are not required.

Is OA Plus PPO?

OAP stands for Open Access Plus, a CIGNA network. This network replaces the CIGNA HealthCare PPO Shared Administration network and currently has 6,860 general acute care hospitals, 13,544 facilities and 1,587,398 specialists and primary care physicians.

What is the difference between PPO and HDHP?

A high deductible plan is a type of health insurance with higher deductibles but lower premiums. With a PPO, you pay more money each month but have lower out-of-pocket costs for medical services and may be able to access a wider range of providers. ...

What is an Open Choice PPO?

The Aetna Open Choice PPO plan lets you access care both in and out of network whenever you need care. In Network: See a network doctor for lower out-of-pocket costs. There are no referrals needed. As long as a health care provider is in the Aetna network, just make an appointment and visit.

Can I have both HMO and PPO?

Yes, you can have two health insurance plans. Having two health insurance plans is perfectly legal, and many people have multiple health insurance policies under certain circumstances.

Does PPO cover out of network?

With the PPO plan, you can receive care from any of the physicians and hospitals within the plan's network, as well as outside of the network for covered services.

Do PPO plans have copays?

PPO Costs. In general, PPO plans tend to be more expensive than an HMO plan. ... If you choose a copay PPO plan, you will have to pay a copay (a fixed dollar amount) each time you visit a provider. Generally, a PPO plan with a copay has lower premiums than a comparable non-copay plan.

Can you buy PPO insurance?

PPO Insurance Plans

PPO plans, or "Preferred Provider Organization" plans, are one of the most popular types of plans in the Individual and Family market. PPO plans allow you to visit whatever in-network physician or healthcare provider you wish without first requiring a referral from a primary care physician.

What are the benefits of a PPO plan?

Advantages
  • Do not have to select a Primary Care Physician.
  • Can choose any doctor you choose but offers discounts to those within their preferred network.
  • No referral required to see a specialist.
  • More flexibility than other plan options.
  • Greater control over your choices as long as you don't mind paying for them.

Is Aetna an HMO?

With the Aetna Health Network Only plan, a unique type of HMO plan, you won't have to choose between savings or flexibility. You get both: the cost advantages of a network-only plan and the freedom of no referrals or PCP required.