Aetna, founded in 1853, is a long-standing name in the health insurance industry, and is now a part of CVS Health since their merger in 2018. With a rich history spanning over a century and a half, Aetna has grown to become one of the largest health insurance providers in the United States, catering to millions of members nationwide. The company offers a wide range of health insurance products, including medical, dental, pharmacy, behavioral health, and disability plans, thus ensuring comprehensive coverage for individuals, families, and employers alike.
The Aetna Choice POS (Point of Service) plan is one of their popular offerings, designed to provide flexibility and a broad range of healthcare services to its members. This type of plan is a hybrid that combines elements of Health Maintenance Organizations (HMO) and Preferred Provider Organizations (PPO), allowing members to choose between a network of doctors and facilities. Moreover, it also provides the flexibility to seek care outside the network, albeit at a higher out-of-pocket cost. The POS plans typically require members to select a primary care physician (PCP) who coordinates care and provides referrals to specialists, ensuring a balance between cost management and flexibility in healthcare choices.
