Aetna Health Insurance Company

Aetna has been in the picture of the American consumer since 1850. In that year it was founded in the state ofConnecticut to sell life insurance. Nowadays this insurance company is one of the nation’s leaders in health care, dental, group plan and disability insurance. It is because of their continual growth within theUnited States that the company now has an estimated 15.8 million medical members, 13 million dental members and 10.6 million pharmacy members. They serve in all 50 states of the nation including the state ofArizona and it is in this state that just recently in 2005, the company introduced Medicare advantage plans.

The state ofArizonawith approximately 6,166,318 million inhabitants is one of the fastest growing states in the nation with a 20% increase in population from 2000 to 2006. What the company does to accommodate their members in the state ofArizonais split the counties in which it offers coverage into two areas. The rate of your health plan and your providers will change according to the area in which you live in.

The areas will also determine which network of specialists they will be using when is time for them to receive health coverage. Area one includes the following counties: Apache, Cochise, Coconino, Gila, Graham, Greenlee,La Paz, Mohave, Navajo, Pinal,Santa Cruz, Yavapai andYuma. These counties are all under the Preferred Provider Organization Network or PPO, meaning that their in-network coverage will include all the PPO network providers. In case that they use someone that is not included under the PPO network, they will have to pay out of network costs.

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How To Fix Medicare And Medicaid

The rising health costs of Medicare and Medicaid are mainly caused by patients receiving health care at little cost directly to them, known as the health-care-wedge. Revising Medicare and Medicaid is a simple, less costly alternative to the national health care program proposed by President Obama and Congress. Medicare’s 2009 estimated budget is $413 billion. The budget for Medicare and the health care cap will have an annual cost of living adjustment, COLA. According to Whistleblowers Against Fraud, relators received $347.5 million for three cases against Tenet Health Care, Amerigroup, and the largest health care provider in New Jersey. The revision of the Medicare and Medicaid programs will dramatically reduce fraud because people in these programs, restricted by the cap, won’t be tempted to be complicit in fraud.

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Tonik Health Insurance

Tonik Insurance is health insurance, vision insurance, dental insurance, and generic drug dispensation all rolled into one affordable and simple plan. Tonik Health Insurance is comprehensive insurance coverage, and also adds in office visits, first-rate preventive care, emergency, and hospital care. For instance with Tonik you might pay a $20, $30, or $40 co-pay for a doctor appointment. All Tonik programs pay for generic drugs. Through Tonik, you pay only a $10 co-pay to have a generic prescription filled. Tonik doesn’t give coverage for brand name prescription. Tonik programs are comparable to the majority health plans that are presented in the United States. Every participating state particularly controls the costs of health insurance.

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