Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. It can also cover other types of care such as physical therapy, mental health services, and prescription drugs.

What types of health insurance plans are available?

1. Health Maintenance Organization (HMO): Requires members to get healthcare services from an in-network provider and to choose a primary care physician.
2. Preferred Provider Organization (PPO): Offers more flexibility by allowing members to see any healthcare provider, but at a higher cost if they go out-of-network.
3. Exclusive Provider Organization (EPO): Similar to an HMO, but does not require a primary care physician.
4. Point of Service (POS): Combines HMO and PPO features; requires a primary care physician but allows out-of-network care at a higher cost.
5. High-Deductible Health Plan (HDHP): Has lower premiums and higher deductibles, often paired with Health Savings Accounts (HSAs).

You can use the provider search tool on the United Healthcare website to find doctors, hospitals, and other providers in your network.

Yes, United Healthcare offers plans that include prescription drug coverage. Check your specific plan details for information on covered medications.

The BlueCard program allows BCBS members to receive healthcare services while traveling or living in another BCBS service area, with the benefits of their home plan.

Most in-network providers will file claims on your behalf. If you need to file a claim yourself, download the claim form from the BCBS website, complete it, and send it to the address provided on the form.

You can log into your Aetna member account online or through the Aetna mobile app to view your coverage details, benefits, and claims.

Aetna plans typically cover preventive services such as annual check-ups, immunizations, and screenings without any out-of-pocket costs when using in-network providers.