What Benefits Are Included in the Aetna Choice POS II Health Care Plan?

What Benefits Are Included in the Aetna Choice POS II Health Care Plan?

As of 2016, the Aetna Choice POS II health care plan offers benefits including a 10-percent coinsurance cost for visiting an in-network primary care provider or specialist and a 30-percent coinsurance cost for seeing an out-of-network provider of either type, explains Adobe Systems Incorporated. There is no charge when members seek preventative care or immunizations from an in-network provider.

Under the Aetna Choice POS II plan, there is a 10-percent in-network and 30-percent out-of-network coinsurance cost for members receiving diagnostic or imaging tests, notes Adobe Systems Incorporated. Examples of diagnostic costs include X-rays and lab work, while Aetna classifies services such as CT scans, MRI scans and PET scans as imaging tests.

For generic drugs, members who receive prescriptions from in-network providers pay $15 per retail prescription and $30 per mail-order prescription, describes Adobe Systems Incorporated. When coming from an out-of-network provider, the cost is 50 percent coinsurance after a $15 copay for retail prescriptions, and mail-order prescriptions are not covered. There are higher costs for preferred-brand, nonpreferred-brand and specialty drugs.

There is a 10-percent coinsurance cost for emergency room visits and a 50-percent coinsurance cost when visiting emergency rooms for non-emergencies, states Adobe Systems Incorporated. Members pay 10 percent coinsurance when visiting in-network urgent care centers and 30 percent coinsurance for out-of-network urgent care centers.